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Policy Highlights for our Auto Dealers Insurance program: Colonial General Insurance Agency, Inc. provides a focused Auto Dealers Insurance program designed for agents and brokers placing coverage for a broad range of dealer operations. Backed by experienced underwriters and flexible admitted and non-admitted markets, this program helps you protect clients that sell, service, tow, or consign vehicles — including operations with online sales and electric vehicle inventories. Ideal Accounts and Appetite This program targets new and used auto dealerships of varying sizes, including those expanding into online sales channels and electric vehicle retail. We will consider dealerships that offer consignment sales where a favorable consignment agreement is in place. Examples of accounts that fit well: A used-car retailer adding an e-commerce platform and seeking garage coverage that accounts for cyber exposure and customer test drives. A single-location dealer with limited towing operations that needs in-transit protection and primary Garage Keepers coverage for customer vehicles left for service. We review unique or evolving business models on a case-by-case basis and can accommodate specialty exposures when supported by complete submissions and acceptable operational controls. Coverage Highlights and Advantages Commercial Garage coverages available for dealers: Garage Liability — limits up to $1,000,000 per accident Liability Aggregate up to $3,000,000 $5,000 Medical Payments Dealers Physical Damage to cover on- and off-lot inventory Broadened Coverage endorsements to fit dealer exposures False Pretense coverage for certain theft scenarios Fire Legal Liability for leased or rented premises Garage Keepers Coverage available on a primary basis (specified causes of loss) In-Transit Coverage for towing and delivery operations Broad Form Products and Property coverage options These coverages address common dealer exposures: inventory damage, customer vehicle custody while servicing, liabilities from test drives, and exposures created by towing or delivery operations. Underwriting Notes and Minimum Premiums We place accounts on admitted or non-admitted paper depending on the state and risk profile. Underwriters evaluate operational controls, loss history, vehicle inventory mix (including EVs), consignment agreements, and any towing or in-transit exposures. Complete applications, current loss runs, and clear descriptions of operations help speed placement and secure better terms. If a client operates under consignment, include the consignment agreement with the submission. For accounts with towing or delivery services, provide details on driver qualifications, limits of operations, and frequency of tows or deliveries. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Appetite and admitted/non-admitted availability vary by state — submit the full account details so we can identify the best market placement. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines underwriting expertise with broad market access. Our team understands the operational nuances of dealerships and can tailor solutions across admitted and non-admitted markets to match risk profiles. We focus on pragmatic underwriting and responsive service so you can close deals efficiently. You might have a client who needs Garage Keepers primary coverage for customer vehicles after a service visit, or a small dealer launching online sales that needs combined liability, physical damage, and in-transit protections — Colonial General can help place both. Explore our company profile at https://completemarkets.com/company/colonialgeneral or view this Auto Dealers Insurance program at https://completemarkets.com/company/colonialgeneral/Auto-Dealers-Insurance. Frequently Asked Questions What types of accounts are a good fit for this Auto Dealers Insurance program?We are a good fit for new and used auto dealerships, including those with online sales, electric vehicle inventories, and consignment arrangements that include a favorable consignment agreement. Is Garage Keepers coverage included in the program?Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss to protect vehicles left in the dealer’s care. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability and admitted vs. non-admitted placement depend on the state and the specific risk. Can you consider dealerships with towing operations?Yes. We offer In-Transit Coverage for towing and delivery operations; provide details on scope, frequency, and driver qualifications with your submission. Is this program offered on an admitted or non-admitted basis?We work with both admitted and non-admitted markets. The best placement depends on the account’s operations, loss history, and state requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights for our Auto Dealers Insurance program: Colonial General Insurance Agency, Inc. provides a focused Auto Dealers Insurance program designed for agents and brokers placing coverage for a broad range of dealer operations. Backed by experienced underwriters and flexible admitted and non-admitted markets, this program helps you protect clients that sell, service, tow, or consign vehicles — including operations with online sales and electric vehicle inventories. Ideal Accounts and Appetite This program targets new and used auto dealerships of varying sizes, including those expanding into online sales channels and electric vehicle retail. We will consider dealerships that offer consignment sales where a favorable consignment agreement is in place. Examples of accounts that fit well: A used-car retailer adding an e-commerce platform and seeking garage coverage that accounts for cyber exposure and customer test drives. A single-location dealer with limited towing operations that needs in-transit protection and primary Garage Keepers coverage for customer vehicles left for service. We review unique or evolving business models on a case-by-case basis and can accommodate specialty exposures when supported by complete submissions and acceptable operational controls. Coverage Highlights and Advantages Commercial Garage coverages available for dealers: Garage Liability — limits up to $1,000,000 per accident Liability Aggregate up to $3,000,000 $5,000 Medical Payments Dealers Physical Damage to cover on- and off-lot inventory Broadened Coverage endorsements to fit dealer exposures False Pretense coverage for certain theft scenarios Fire Legal Liability for leased or rented premises Garage Keepers Coverage available on a primary basis (specified causes of loss) In-Transit Coverage for towing and delivery operations Broad Form Products and Property coverage options These coverages address common dealer exposures: inventory damage, customer vehicle custody while servicing, liabilities from test drives, and exposures created by towing or delivery operations. Underwriting Notes and Minimum Premiums We place accounts on admitted or non-admitted paper depending on the state and risk profile. Underwriters evaluate operational controls, loss history, vehicle inventory mix (including EVs), consignment agreements, and any towing or in-transit exposures. Complete applications, current loss runs, and clear descriptions of operations help speed placement and secure better terms. If a client operates under consignment, include the consignment agreement with the submission. For accounts with towing or delivery services, provide details on driver qualifications, limits of operations, and frequency of tows or deliveries. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Appetite and admitted/non-admitted availability vary by state — submit the full account details so we can identify the best market placement. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines underwriting expertise with broad market access. Our team understands the operational nuances of dealerships and can tailor solutions across admitted and non-admitted markets to match risk profiles. We focus on pragmatic underwriting and responsive service so you can close deals efficiently. You might have a client who needs Garage Keepers primary coverage for customer vehicles after a service visit, or a small dealer launching online sales that needs combined liability, physical damage, and in-transit protections — Colonial General can help place both. Explore our company profile at https://completemarkets.com/company/colonialgeneral or view this Auto Dealers Insurance program at https://completemarkets.com/company/colonialgeneral/Auto-Dealers-Insurance. Frequently Asked Questions What types of accounts are a good fit for this Auto Dealers Insurance program?We are a good fit for new and used auto dealerships, including those with online sales, electric vehicle inventories, and consignment arrangements that include a favorable consignment agreement. Is Garage Keepers coverage included in the program?Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss to protect vehicles left in the dealer’s care. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability and admitted vs. non-admitted placement depend on the state and the specific risk. Can you consider dealerships with towing operations?Yes. We offer In-Transit Coverage for towing and delivery operations; provide details on scope, frequency, and driver qualifications with your submission. Is this program offered on an admitted or non-admitted basis?We work with both admitted and non-admitted markets. The best placement depends on the account’s operations, loss history, and state requirements. Need help placing an account? Connect with a market specialist.

...ravel management companies, tour operators, travel consultants, and related se...ate travel managers, and small tour operators are the primary fits. Appetite i...

...addresses the exposures faced by operators hauling cargo with trailers of all ...small transport fleets, and trailer operators moving general, refrigerated, or...

Woodworking Insurance — Colonial General Insurance Agency, Inc. Overview of the Program Colonial General Insurance Agency, Inc. offers a dedicated Woodworking Insurance program for agents placing coverage for cabinetmakers, furniture manufacturers, window and door shops, millwork operations and related woodworking contractors. This program provides both property and liability solutions on a mono-line or package basis and can be placed through admitted markets where available or on an excess & surplus basis as needed. Ideal Accounts and Appetite This program works well for small- to mid-sized woodworking and millwork operations that perform design/build, installation and manufacturing for residential and light commercial clients. Typical accounts include: Custom cabinet shops and furniture makers Window and door fabricators and installers Millwork shops producing trim, moulding and architectural components Contractors who both manufacture and install finished goods The program is geared toward operations with standard woodworking exposures (saws, routers, finishing operations, assembly) and reasonable loss histories. It is generally not intended for heavy industrial wood product manufacturers, high-hazard specialty processes, or accounts with frequent/large recent losses. Coverage Highlights and Advantages Underwriters provide flexible options to match the account’s exposures. Key highlights include: Commercial General Liability — Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage available Medical Payments coverage with a $5,000 limit included Additional interests can be named Excess/Umbrella limits up to $25,000,000 Property coverage options: Basic, Broad, or Special form; building, contents, business income Specialized property add-ons: Bailees’ Customer, Contractors’ Equipment, Installation Floater, Accounts Receivable, Valuable Papers Equipment Breakdown and Outside Signs available Replacement Cost or Actual Cash Value valuation Crime coverage options: inside the premises (theft of money and securities), inside premises robbery or safe burglary of other property, and outside the premises Minimum $500 deductible required Underwriting Notes and Typical Submission Requirements Colonial General’s underwriting team evaluates operations by process, revenue mix, and controls. Common factors they consider include finishing operations (spray booths), dust collection and housekeeping, flammable solvent storage, installation exposures, and bailee/customer exposures. To accelerate review, provide a clear description of operations, years in business, estimated annual receipts or payroll, and recent loss history. Underwriters commonly request a completed application and loss runs; they may also ask for photos of the workspace and protection details for facilities using spray finishes or large finishing systems. Territories and Admitted Status This program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places coverage through multiple markets — admitted where offered and excess & surplus lines where necessary. The admitted status varies by state and by carrier ("Some Available Markets"). Why Place Woodworking Business Through Colonial General? Specialized focus — underwriting that understands woodworking operations and the common loss drivers for small and mid-size shops. Flexible placement — access to a range of admitted and E&S markets and ability to package property and liability with ancillary coverages like bailee and installation floaters. Competitive limit options — higher primary limits and significant umbrella capacity for contractors who need broader protection. Responsive underwriting — practical risk mitigation guidance and tailored terms for accounts with standard controls. Example Accounts You might have a client who operates a local cabinet shop with light installation services and modest annual receipts — this program can provide packaged property and liability with bailee coverage for customer goods. Or you could place a larger regional millwork shop that needs higher liability limits, an installation floater and contractors’ equipment coverage while protecting customer property with bailee’s coverage. For submission help or to confirm market availability in a specific state, contact Colonial General’s underwriting desk through your regular wholesale channels. Colonial General acts as a Managing General Agency and Excess & Surplus Lines Broker with multiple carrier relationships. Frequently Asked Questions What types of woodworking accounts are a good fit for this program?The program targets small- to mid-sized woodworking and millwork operations — cabinetmakers, furniture shops, window and door fabricators, and install-focused contractors. Shops with standard woodworking processes and reasonable loss history are preferred. Are admitted markets available or is this E&S only?Colonial General places business in both admitted and excess & surplus markets. Availability depends on state and carrier appetite; some markets are admitted while others are written on an E&S basis. What limits and key coverages can I expect?Commercial General Liability primary limits are available up to $3,000,000 occurrence/aggregate. Excess or umbrella capacity can go up to $25,000,000. Property, bailee’s customer, installation floaters, equipment breakdown and crime coverages are also available. A minimum $500 deductible is required. What underwriting information should I include with a submission?Include a description of operations, estimated annual receipts or payroll, years in business, and current loss runs. Underwriters will also want to know about finishing operations, dust control, storage of flammables, and whether the client performs installations or has bailee exposures. Which states does the program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Market availability and admitted status can vary by state. Need help placing an account? Connect with a market specialist.

...e Independent ice cream truck operators and small fleets of mobile dessert ...d fit for this program?Single truck operators and small fleets with routine ve...