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.... Ideal accounts and appetite Private individuals and families seeking hig...rofile or high-net-worth insureds, households with recreational vehicle exposu...

...line crime solutions tailored for private and publicly traded companies, not-f... this program?Ideal accounts include private and public companies, municipalit...

...a term. This program is built for private schools and public/private colleges that face the financial imp...unts are a good fit for this program?Private K-12 schools, independent boardin...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a targeted Animal Services Insurance program for businesses that care for, board, groom, train or sell household pets. The program is designed for animal shelters, boarding and breeding kennels, pet stores, grooming salons, training facilities and similar pet service operations. Policies are available on a mono-line or package basis and can include property, general liability, crime, and optional excess/umbrella protection to fit the account's needs. Ideal Accounts and Appetite: This program fits small to mid-sized animal service businesses that have routine care, custody, and control exposures for household pets. Typical examples you can place with Colonial General include: • A grooming salon that also offers overnight boarding • A boutique pet store with an in-store daycare or play area • A regional animal shelter seeking combined property and liability protection Accounts involving exotic species, wildlife, or known aggressive/high-risk breeds may be considered only with additional underwriting review and subject to restrictions or exclusions. Commercial General Liability Coverage Available: • Primary limits available up to $3,000,000 Occurrence/Aggregate • Hired and Non-Owned Auto Liability available • Excess or Umbrella limits up to $25,000,000 Included Coverages: – Medical Payments Coverage—$5,000 limit – Additional Insured endorsements at no extra charge – Property Damage Extension (Care, Custody, and Control)—$500 Occurrence / $1,000 Aggregate (higher limits available upon request) – No deductible required for the listed liability extension (deductibles may apply on property or package forms) Crime Coverage Available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises (employee or third-party theft exposures) Property Coverage Available: • Building and Business Personal Property • Business Income and Extra Expense • Accounts Receivable and Valuable Papers • Care, Custody, and Control for animals in your insured's care • Computer Equipment and Equipment Breakdown • Inland Marine and Outdoor Signs • Basic, Broad, or Special Form; Replacement Cost or Actual Cash Value options Underwriting Notes: Colonial General places business with a mix of admitted and non-admitted markets depending on the risk profile and state. Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Minimum premiums and eligibility vary by class, limits, and coverages selected—refer submissions to underwriting for state-specific guidance and quoting. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General specializes in niche programs for hard-to-place accounts. Agents benefit from their access to multiple carrier partners, flexible underwriting, and regional expertise across the Mountain West and Southwest. Colonial's program is useful when you need tailored care, custody & control wording, higher limits, or E&S capacity that admitted markets may not offer. If you have a client with mixed operations (retail, grooming, and boarding) or an animal shelter with unique property and liability needs, Colonial provides options to help place the account. You might have a client who runs a combined grooming-and-boarding salon looking for liability limits above a typical market, or a non-profit shelter needing a property and liability package with CCC coverage — Colonial can often offer workable terms where standard markets cannot. Frequently Asked Questions What types of accounts are a good fit for this Animal Services Insurance program?Ideal accounts include pet groomers, boarding kennels, animal shelters, pet stores, and dog training facilities that primarily serve household pets. Is the program available for businesses in all states?No, this program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I offer just liability coverage without property?Yes. Both mono-line liability and package policies are available depending on the insured's needs. Are higher limits available for Care, Custody, and Control coverage?Yes. Higher CCC limits can be added upon request and subject to underwriting approval. Does the program accept accounts with exotic or aggressive animals?Exotic species, wildlife, and known aggressive breeds are reviewed case-by-case and typically require additional underwriting; some risks may be declined or offered only with exclusions. Need help placing an account? Connect with a market specialist.

...This program is ideal for: Private collectors with valuable personal co...is program?This program is ideal for private collectors and dealers with antiq...

Claims made products liability with limits up to $5,000,000. Newly formed operations are welcome. Most classes of risk are considered, with the exception of latex glove manufacturers and tobacco products. Minimum premiums start at $5,000, plus applicable fees and taxes. Overview of the Product Liability Program from Bailey Special Risks, Inc. Bailey Special Risks, Inc. offers a specialized Product Liability program designed to help agents and brokers place coverage for a wide range of manufacturing and distribution clients. As a wholesale broker with access to multiple top-tier non-admitted carriers, including Colony Insurance Company and Evanston Insurance Company, BSR provides flexible, competitive solutions tailored to the unique exposures of product manufacturers and importers. Ideal Accounts and Appetite This program is well-suited for both established and newly formed companies involved in the manufacturing, distribution, or importing of products. BSR has a broad appetite and welcomes submissions across most product classes—ranging from consumer goods and electronics to industrial equipment and nutritional supplements. Accounts that typically fit well include: Start-up manufacturers launching new consumer products Importers of household electronics or tools Distributors of industrial or commercial-grade equipment However, please note that risks involving latex glove manufacturing or tobacco products are not eligible under this program. Coverage Highlights and Advantages Claims-made product liability form Limits up to $5 million available Access to experienced underwriters with deep product liability knowledge Flexible underwriting for newly formed entities and harder-to-place risks Non-admitted market access through strong carrier partners Underwriting Notes and Minimum Premiums Minimum premiums for this program start at $5,000, plus applicable fees and taxes. BSR evaluates each submission carefully, considering the nature of the product, distribution channels, and claims history. They are especially open to reviewing newer ventures, provided there is adequate detail and risk management in place. Territories and Availability This Product Liability program is available to agents and brokers placing business in the following states: AL, AR, CA, CO, FL, GA, ID, IL, IN, KS, KY, LA, MD, MA, MI, MS, MO, NJ, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY. Why Work With Bailey Special Risks, Inc. Bailey Special Risks, Inc. brings decades of experience in placing complex product liability risks in the surplus lines market. Their team provides hands-on underwriting support and fast turnaround times, helping agents secure tailored coverage for clients who may not fit standard markets. With strong carrier relationships and a flexible approach, BSR is a reliable partner for brokers seeking solutions for both routine and challenging product risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include manufacturers, importers, and distributors of consumer goods, industrial products, tools, and nutritional items. Start-up operations are welcome. Are there any classes of business that are excluded?Yes. This program does not cover manufacturers of latex gloves or any tobacco-related products. Is this a claims-made policy form?Yes, the coverage is offered on a claims-made basis, which is standard for product liability lines. Which carriers are used for this program?Bailey Special Risks works with leading non-admitted carriers such as Colony Insurance Company and Evanston Insurance Company, among others. What is the minimum premium for this coverage?Minimum premiums start at $5,000, plus applicable fees and taxes. Actual pricing depends on the risk profile and coverage needs. Need help placing an account? Connect with a market specialist.