Search CompleteMarkets

Program Highlights: Colonial General Insurance Agency, Inc. offers a Contents in Mini Storage Insurance program that helps agents and brokers place coverage for personal household goods stored in commercial mini-storage facilities. The program supports short-term and annual terms and provides flexible underwriting options through admitted and non-admitted markets to fit a range of storage timelines and exposures. Overview of the Program From Colonial General This program is designed to insure unscheduled household contents stored off-premises in commercial storage units. It protects personal property for named perils and burglary exposures while stored in secured, commercial mini-storage facilities. Colonial General places this business with multiple carriers, using admitted or excess & surplus markets where appropriate to secure the best solution for each risk. Ideal Accounts and Appetite This program is aimed at individual clients who need protection for household contents kept in commercial storage units. Typical fits include: People relocating who need temporary storage for household goods Seasonal residents storing furniture and personal items during the off-season College students storing belongings between terms Homeowners downsizing who place excess personal property in storage Commercial use of units is acceptable only when the stored items are strictly personal household contents. Business equipment, inventory, or professionally used high-value property is generally not eligible under this program. Coverage Highlights and Advantages Key features agents can offer through Colonial General’s Contents in Mini Storage program include: Named perils coverage with burglary protection Claims settled on an Actual Cash Value (ACV) basis $250 base deductible with higher deductible options available Deductible credits that can lower premium when insureds choose higher deductibles Availability of short-term (temporary) or annual policy terms Competitive access to multiple markets to improve placement options Underwriting Notes and Minimum Premiums Underwriting focuses on facility security and the nature of the stored property. Requirements typically include locked gates, individual unit locks, and on-site surveillance or other adequate security measures. The program is limited to personal household contents; business property and high-value scheduled items may be excluded or require alternative placement. Minimum premium varies by carrier and market. Agents should discuss minimums and deductible credit options with a Colonial General market specialist when requesting a quote. Territories and Availability This program is currently available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place accounts in admitted or non-admitted markets depending on the state, carrier appetite, and the specific underwriting characteristics of the risk. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep personal-lines expertise with broad market access. Their underwriting team is responsive and experienced at placing niche personal property risks that may be hard to place in standard markets. Agents benefit from flexible policy terms, multiple market options, and underwriting guidance to help secure timely placements for their clients. Frequently Asked Questions What types of accounts are a good fit for this program?Individuals storing personal household items in commercial mini-storage units—such as clients who are relocating, seasonal residents, college students, or those downsizing—are the primary fit. Can this program cover business inventory or equipment stored in units?No. The program is designed for unscheduled household contents only. Business property, inventory, and equipment are not eligible under this policy. What policy terms are available?Agents can place short-term (temporary) or annual policies, depending on the insured’s storage timeframe and needs. Are deductible options available?Yes. The base deductible is $250, and higher deductible options are available. Selecting a higher deductible may qualify the account for deductible credits and lower premium. Which states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY; placement may be via admitted or non-admitted markets depending on the state and carrier. Need help placing an account? Connect with a market specialist.

...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...

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

...ortation and Lodging Benefits Private Duty Nurse and Home Health Care Serv...

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

... In-home childcare providers Private early childhood education facilities...

...ontinued liability protection Private equity firms or parent companies tha...

From short haul to long haul Maritime Program Group (MPG) offers a focused Motor Truck Cargo Insurance program built for a wide range of trucking operations — from single owner-operators to large national fleets. Backed by over 20 years of motor truck cargo underwriting experience and access to exclusive programs placed with A.M. Best “A” rated carriers, MPG gives agents a practical option for placing hard-to-place cargo exposures with responsive, experienced underwriters. Ideal Accounts and Appetite Long- and short-haul trucking operations Owner-operators and fleet operators of varying sizes Furniture movers, car and boat haulers, and household goods movers Freight forwarders, rigging contractors, and specialty haulers New ventures and trip-transit exposures MPG’s flexible underwriting approach lets you place accounts that might be difficult to bind elsewhere — whether the client hauls general commodities, perishables, or higher-value freight. Coverage Highlights and Advantages Non-scheduled policies for operational flexibility across loads No radius limitations — suited for local, regional, and national hauls Terminal coverage and warehouse legal liability available Loading and unloading coverage included to reduce gaps during handling Refrigeration breakdown and contingent cargo solutions for temperature-sensitive shipments These coverages help manage financial exposures from damaged, lost, or stolen cargo, and address liability while cargo is handled, stored, or in transit. Why Work With Maritime Program Group Direct access to in-house underwriters with deep transportation expertise Exclusive program access with A-rated carriers Prompt policy and endorsement issuance to keep accounts moving Responsive service and proactive communication throughout binding and claims Competitive commission schedules and flexible billing options Tools and services to support loss prevention and risk management MPG empowers agents to confidently place cargo coverage for complex and emerging risks with an underwriting partner that understands the trucking business. Territories and Availability The Motor Truck Cargo program is available in all 50 states and Washington, D.C. Policies can be issued on an admitted or non-admitted basis depending on the state and risk. Coverage is placed through A-rated carriers where applicable. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include owner-operators, regional and national fleets, freight forwarders, car and boat haulers, and movers. New ventures and trip-transit exposures are also considered. Is there a radius limitation for coverage?No. This program does not impose a radius limitation, making it suitable for local, regional, and long-haul operations. Can I place business for clients who store cargo in terminals or warehouses?Yes. Terminal coverage and warehouse legal liability options are available to protect cargo while stored or handled off the truck. Are refrigeration breakdown and contingent cargo included?Yes. MPG offers refrigeration breakdown coverage and contingent cargo solutions to address temperature-sensitive and interline risks. Who underwrites the policies?Underwriting is handled in-house by Maritime Program Group’s experienced transportation team, providing fast, knowledgeable decisions and direct access for agents. Need help placing an account? Connect with a market specialist.