Search CompleteMarkets

...nce Agency, Inc. offers a tailored Push Cart Insurance program designed specif...s of accounts are a good fit for this Push Cart Insurance program?This program is ideal for mobile vendors using carts, kiosks, or booths to sell food, b...

...gency, Inc. offers a specialized Recycler Insurance program tailored for busin...offer coverage for electronic waste recyclers?Yes, the program is designed to ...

...nts. Whether a client sells from a pushcart, kiosk, table, or temporary booth,...events—especially those using kiosks, carts, or booths to sell general merchan...

...s up non-ferrous scrap for local recyclers and needs physical damage coverage ...

Policy Highlights: As a lunch wagon or food truck owner, your vehicle is more than transportation—it is the core of the business. Colonial General Insurance Agency, Inc. offers a Lunch Wagon Insurance program to help agents place coverage for mobile food vendors operating across the western U.S. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of admitted and non-admitted carriers. This Lunch Wagon Insurance program is designed for independent agents and brokers who need flexible, market-access solutions for mobile food-service clients. Whether your client runs a single lunch wagon or a small fleet of food trucks, the program provides targeted coverages and underwriting support tailored to the industry’s exposures. Ideal Accounts and Appetite This program targets mobile food vendors, including: Lunch wagons Food trucks and concession trailers Mobile kitchen vehicles with permanently mounted equipment We prefer operators with permanently mounted cooking or refrigeration equipment and those working regionally (up to a 500-mile radius). The program considers both start-ups and established businesses; underwriting evaluates experience, vehicle condition, and operations when determining eligibility. Coverage Highlights and Advantages Key features agents can offer through this program include: Physical damage coverage for the vehicle and permanently mounted equipment (stoves, grills, refrigeration, etc.). Liability limits up to $1,000,000 CSL to satisfy contract and municipal requirements. Deductible flexibility with options typically from $500 to $5,000 to match client budgets. Radius options—coverage available for operations up to 500 miles for regional vendors. Cargo and spoilage protection—limits up to $100,000 including refrigerator breakdown coverage for perishable inventory. Underwriting Notes Underwriting considers vehicle type, age and condition, permanently installed equipment value, radius of operation, loss experience, and operator experience. Colonial General leverages multiple markets to place risks that may be difficult to write in standard markets. Minimum premiums and admitted availability vary by state and specific risk characteristics. Territories and Availability The Lunch Wagon Insurance program is available to agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are admitted in select states; other placements may be written non-admitted depending on the risk profile and state rules. Why Work With Colonial General? With decades of specialty risk experience and a regional focus, Colonial General provides access to niche markets and responsive underwriting. Agents benefit from our knowledge of mobile food exposures, our ability to place hard-to-write risks, and timely support to secure coverage that fits contractual or municipal requirements. Our team helps you match appropriate limits, deductibles, and ancillary coverages to each client’s operation. Frequently Asked Questions What types of accounts are a good fit for this program?Mobile food vendors such as lunch wagons, food trucks, and mobile kitchen vehicles with permanently mounted equipment are ideal for this program. Can new businesses or startups qualify for coverage?Yes. Start-ups may be considered; underwriting reviews operator experience, vehicle condition, equipment, and operational details. What is the maximum radius of operation allowed?The program offers radius options up to 500 miles to accommodate most regional food truck businesses. Is refrigerator breakdown covered under the cargo limit?Yes. Refrigerator breakdown protection is available under the cargo/spoilage coverage, with limits that can go up to $100,000 depending on the account. Which states is this program available in?The Lunch Wagon Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...uipment and inland marine for golf carts Coverage for damage to greens, tee ...

Policy Highlights: As the digital landscape continues to evolve, media professionals face a growing number of liability exposures related to content, data, and technology. Colonial General Insurance Agency, Inc. offers a specialized Media Professional Liability Insurance program designed to help agents and brokers place coverage for clients in media, technology, and digital communications industries. Overview of the Program From Colonial General Colonial General is a regional Managing General Agency and Excess & Surplus Lines Broker with deep experience in professional liability and technology-related exposures. Through access to multiple markets, including both admitted and non-admitted carriers (where available), Colonial General provides tailored solutions for media professionals who depend on electronic data and content to operate their businesses. This program is built to cover the unique risks in today’s content-driven economy, offering agents a reliable market for hard-to-place or emerging exposures. Ideal Accounts and Appetite This program is ideal for businesses involved in: Digital marketing and advertising firms Content creators and publishers Public relations and media consultants Web developers and tech startups Broadcasting companies and podcast producers You might have a client who runs a boutique digital marketing agency or a new media startup that produces video content across multiple platforms. These clients often face potential claims related to copyright infringement, defamation, or data breaches—risks that this program is designed to address. Coverage Highlights and Advantages Colonial General’s Media Professional Liability Insurance offers broad protection, including: Network Liability – Covers third-party liability resulting from security failures or unauthorized access. Electronic Media Liability – Protection against defamation, copyright/trademark infringement, and other content-related risks. Technology Errors & Omissions – Covers losses due to mistakes or failures in service delivery. Business Income Loss – Includes dependent business income loss coverage for interruptions caused by third-party vendors. Restoration Costs – Helps cover the expense of restoring lost or damaged data. Public Relations and Investigative Expenses – Support for managing reputational damage and incident response. Extortion Threats – Coverage for handling cyber extortion or ransomware demands. Underwriting Notes and Minimum Premiums Colonial General works with a range of carrier partners, and underwriting guidelines may vary by class and size of business. While minimum premiums are not specified, submissions should include a solid risk profile and complete application details to ensure timely quoting. The program can accommodate both new ventures and established businesses, depending on the carrier fit. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted vs. non-admitted options may vary by state and risk class. Why Work With Colonial General Colonial General brings a high level of expertise in professional liability and cyber-related coverages, backed by strong market access and regional underwriting insight. Agents and brokers benefit from responsive service, knowledgeable staff, and the ability to place unique or emerging risks. Whether your client is a startup content creator or a growing tech PR agency, Colonial General can help you find the right protection for their evolving digital exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for media professionals such as digital marketers, content creators, web developers, and public relations consultants. Is this coverage available on an admitted basis?Admitted markets are available in some states, depending on the class of business and risk profile. Colonial General also offers access to non-admitted carriers where necessary. Can I submit new ventures for consideration?Yes, new ventures may be considered depending on the details of the operation and the carrier appetite. A complete application is recommended. What states is this program offered in?The Media Professional Liability program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What types of exposures does this coverage address?The coverage addresses risks such as network security failures, content-related liabilities, data restoration costs, income loss, and cyber extortion threats. Need help placing an account? Connect with a market specialist.

Policy Highlights for Medical Equipment Supply Stores Insurance: Colonial General Insurance Agency, Inc. provides targeted insurance solutions for medical equipment supply stores, including businesses that sell, rent, or lease home health care products and provide delivery or in-home setup. This program is built for agents and brokers who need flexible property, liability, and professional liability options for clients handling durable medical equipment (DME), oxygen supplies, mobility aids, hospital beds, and similar products. Ideal Accounts and Appetite The program focuses on small- to mid-sized operations whose primary business is retailing, renting, leasing, delivering, or servicing home medical equipment. Eligible account types commonly include: Medical equipment rental and leasing stores Home health equipment dealers and suppliers Retailers of oxygen tanks, hospital beds, wheelchairs, scooters, and related products Accounts that combine retail sales, delivery, installation, and ongoing service or maintenance are a particularly good fit. Typical fits include single-location dealers and multi-location independents with local delivery routes. Accounts that generally do not fit include large national distributors, heavy manufacturing operations, or businesses with significant on-site medical procedures. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $1,000,000 per occurrence / $3,000,000 aggregate $5,000 in medical payments—automatically included Errors & Omissions (E&O) available up to policy limits to address professional liability exposures from fitting, setup, or advice Excess/Umbrella limits accessible up to $25,000,000 No liability deductible required Optional additional insured endorsements available for $100 each Crime Theft of money and securities inside the premises Robbery and safe burglary coverage for other property Coverage can extend to certain incidents occurring away from the premises Property Available on Basic, Broad, or Special Form Building, contents, inventory, and computer equipment Business income and equipment breakdown coverage options Accounts receivable and valuable papers Outdoor signs and replacement cost options Underwriting Notes and Minimum Premiums Policies can be written mono-line or as packaged programs so you can tailor limits and coverages to the account. Colonial General underwrites these risks through multiple carrier partners; appetite and terms vary by carrier and state. While minimum premiums differ by market and risk characteristics, this program is positioned to be competitive for common small-business profiles. Territories and Availability This program is available in the Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General places business in both admitted and non-admitted markets depending on the state and the client’s risk profile — admitted options are available in some states, with excess & surplus solutions used where appropriate. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple markets. Their team understands exposures common to medical equipment suppliers—product and premises liability, professional liability from medical device setup, property exposures from inventory and oxygen tanks, and business interruption—so you can place accounts efficiently with terms that reflect the risk. Examples you might place through this program: A single-location DME dealer that rents hospital beds and provides same-day delivery and setup for local customers. An independent retailer that sells oxygen supplies and offers routine maintenance and in-home equipment checks across several nearby counties. Whether your client is a storefront operator with delivery routes or a multi-location supplier, Colonial General offers underwriting flexibility and market access to help you secure appropriate coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Businesses that rent, sell, or lease home medical equipment—such as wheelchairs, oxygen machines, or hospital beds—are ideal candidates. Accounts that combine retail operations with delivery, installation, or servicing are especially well-suited. Is Errors and Omissions (E&O) coverage included?E&O coverage is available as part of the program and can be written up to the policy limits to address professional liability exposures from product setup, fitting, or advice. Are mono-line or package policies available?Yes. Colonial General offers the flexibility to bind mono-line property or liability policies or combine coverages into a tailored package to meet client needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted options depends on the state and the chosen carrier. What carrier options are available?Colonial General works with a variety of carriers and can place risks in admitted or excess & surplus markets depending on the account’s characteristics and the preferred placement strategy. Need help placing an account? Connect with a market specialist.

Policy Highlights: Medical laboratories and diagnostic testing centers provide essential information that clinicians depend on. Those operations face a mix of professional liability, bodily injury and property exposures—from reporting or analytic errors to sample contamination and equipment loss. Colonial General Insurance Agency, Inc. gives agents access to a targeted Medical Labs and Testing Centers Insurance program designed to protect labs, mobile collection services, and outpatient testing facilities against those core risks. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with deep experience placing niche healthcare risks across the Western U.S. Through our medical malpractice and allied healthcare markets, we help agents secure professional liability, general liability, and property coverage for diagnostic labs and testing centers. Whether your client is a small independent lab, a multi-site outpatient testing chain, or a mobile phlebotomy operation, our markets and underwriting team focus on efficient placement and tailored terms. Ideal Accounts and Appetite This program is designed for agents placing accounts such as: Independent diagnostic laboratories (blood, toxicology, genetics, pathology) Outpatient medical testing centers and specimen collection facilities Mobile phlebotomy and sample-collection services Non-emergency, non-experimental testing operations Accounts with current lab certifications, clean claims histories, and documented quality controls typically fit best. Labs performing high-risk, experimental, or investigational testing may require additional underwriting review or may be declined. Coverage Highlights and Advantages Medical malpractice and professional liability coverage written with lab-specific exposures in mind General liability and property coverage options to protect premises and equipment Coverage considerations for bodily injury or patient harm arising from testing errors, mislabeling, or sample contamination Access to both admitted and non-admitted markets depending on state and account characteristics Flexible underwriting to accommodate a range of specialties and risk control programs Markets available through Colonial General understand laboratory workflows and offer competitive terms for well-documented, compliant operations. Underwriting Notes and Minimum Premiums Underwriting focuses on the services performed, testing volume, certification and accreditation status, staff qualifications, documentation of quality assurance procedures, and loss history. Be prepared to provide a list of services, copy of lab certifications (e.g., CLIA or state equivalents where applicable), recent loss runs, and annual revenue to speed quoting. Minimum premiums are determined on a case-by-case basis and will vary by carrier and state. Our underwriters work with agents to identify the most appropriate market based on the risk profile and desired coverage structure. Territories and Availability This program is available to licensed agents and brokers placing business in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on jurisdiction and account characteristics; non-admitted options can broaden capacity for harder-to-place risks. Why Work With Colonial General? Colonial General brings decades of specialty experience in the Western U.S. wholesale market. We combine direct access to medical malpractice and allied healthcare carriers with a practical understanding of lab operations and regulatory expectations. Our underwriting team delivers fast responses, practical risk guidance, and placement options across admitted and excess & surplus markets. Examples you may see as an agent: A small independent blood-testing lab seeking medical professional liability and general liability coverage after expanding into genetic screening. A regional mobile phlebotomy provider looking for E&S capacity to cover multi-state sample collection operations and third-party specimen transport. These are representative scenarios—each account is evaluated on its own merits. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for independent diagnostic labs, mobile testing units, and outpatient testing facilities that perform non-invasive, routine medical testing and maintain required certifications. Is professional liability included in the coverage?Yes. Medical malpractice and professional liability tailored to laboratory and testing exposures are core components of the program. Are both admitted and non-admitted options available?Yes. Colonial General can access both admitted and non-admitted carriers depending on the state of placement and the account’s characteristics. What information is needed to get a quote?Provide services offered, lab certifications, recent loss history, annual revenue, number of locations, and any written quality-control procedures to help us quote quickly and accurately. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Medical Staffing Agency Insurance program designed for agents and brokers seeking markets for healthcare staffing clients. As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, Colonial General has access to multiple top-rated carriers and custom solutions, giving you flexibility to place complex or unique staffing risks across several western states. Overview of the Program From Colonial General Medical staffing agencies face unique liability exposures, especially when contracting healthcare professionals to third-party facilities. Colonial General’s program provides access to professional liability and malpractice coverage tailored to meet the diverse needs of staffing firms placing physicians, nurses, therapists, and other licensed healthcare providers. The coverage is backed by carriers rated “A” or better by A.M. Best, ensuring financial strength and reliability. Ideal Accounts and Appetite This program is an excellent fit for: Medical staffing agencies placing temporary or permanent healthcare professionals Firms that staff RNs, LPNs, CNAs, physical therapists, medical assistants, and similar roles Agencies working with hospitals, clinics, nursing homes, or in-home care facilities You might have a client who staffs traveling nurses to rural hospitals or provides physical therapists to outpatient clinics—these are the types of accounts that may be eligible. Coverage Highlights and Advantages Professional Liability / Malpractice coverage available through A.M. Best “A” rated carriers Limits starting at $250,000 / $500,000, with flexible deductible options Coverage tailored to match the staffing agency’s operations and provider types Optional coverages may be available depending on carrier and risk profile Coverage and premium will vary based on carrier placement and underwriting factors. Colonial General works to match accounts with the best-fitting carrier and coverage structure. Underwriting Notes and Minimum Premiums While minimum premium details are not specified, underwriting will consider the type of providers placed, states of operation, loss history, and staffing volume. Deductible options and limit selections also influence premium. Colonial General’s experienced underwriters can help you navigate submissions for competitive placement. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted and non-admitted options may be available, depending on the carrier and jurisdiction. Why Work With Colonial General Colonial General brings decades of specialty underwriting experience to the table, with strong carrier relationships and a focus on service. As an MGA and E&S broker, they help agents place tough-to-place or niche healthcare staffing risks with confidence. Whether you’re working with a startup staffing firm or an established agency expanding into new states, Colonial General can help you find the right market and coverage solution. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets medical staffing agencies that place licensed healthcare professionals such as nurses, therapists, and aides in hospitals, clinics, or long-term care facilities. Are both admitted and non-admitted carriers available?Yes, Colonial General has access to both admitted and non-admitted markets depending on the state and carrier availability. What limits and deductibles are offered?Limits typically start at $250,000/$500,000, with a range of deductible options. Specific terms depend on the risk and carrier selected. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. What information is needed to submit a quote?Submissions should include a completed application, details on provider types, loss history, operational scope, and coverage limit requests. Need help placing an account? Connect with a market specialist.