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Program Highlights for Ranch Insurance: Colonial General Insurance Agency, Inc. offers a specialized Ranch Insurance program tailored for small ...s Colonial General a good partner for ranch coverage?Colonial General offers f...

...verage for vacant or unoccupied properties. Whether your client owns a commerc...ral renovation work is acceptable. Properties undergoing major structural chan...

...amily units Vacant commercial properties — retail, office, light industrial,.... Accounts in active construction, properties with significant disrepair, or s...

... is designed for owner-operated properties with traditional B&B operations — g...y not a fit: large inns or hotels, properties with more than 10 rooms, full-se...

Policy Highlights: Colonial General Insurance Agency, Inc. offers the Commercial Property Extension through a Managing General Agency and Excess & Surplus Lines Broker distribution. The form provides targeted, per-coverage limits for common property exposures on accounts written with a Special Causes of Loss form. It consolidates nine supplemental coverages on a single endorsement to simplify placement and deliver predictable, standalone limits for perishable stock, computer equipment, valuable papers, and other business property exposures. Coverage Highlights and Limits The extension provides specific single-form limits for the following coverages: • Accounts Receivable $25,000 • Computer Equipment $25,000 • Employee Dishonesty $5,000 • Limited Equipment Breakdown $25,000 • Money and Securities $5,000 • Outdoor Signs $25,000 • Spoilage $25,000 • Valuable Papers $25,000 • Water Backup or Overflow of Sewers and Drains $5,000 Overview of the Program This Commercial Property Extension is designed for agents and brokers who need a straightforward, consistent way to add common property extensions to eligible commercial property accounts. The endorsement pairs with a Special Causes of Loss form and is particularly useful when a single, uniform set of supplemental limits is preferred across multiple locations or for smaller accounts where separate endorsements are inefficient. Ideal Accounts and Appetite Small- to medium-sized commercial risks with typical property exposures: retail stores, professional offices, restaurants and food-service operations, bakeries, florists, convenience stores, and small manufacturing or light industrial occupancies where the per-coverage limits align with values on the account. Multi-location accounts (up to 20 locations) that benefit from simple flat-charge pricing. Accounts requiring targeted protection for spoilage, computer equipment, outdoor signage, employee dishonesty, and water backup without complex, bespoke endorsements. The program is generally not suited for high-hazard operations, accounts with values that exceed the stated per-coverage limits, or large national accounts with highly specialized coverage needs. Coverage Highlights and Advantages Consolidates nine common property extensions onto one form for easier quoting and placement. Single-form, per-coverage limits give consistent, transparent limits that simplify policy administration. Flat-charge multi-location pricing streamlines submission and billing for accounts with multiple sites (up to 20). Distributed through an MGA/E&S broker structure to expand market access where admitted appetite is limited. Underwriting Notes and Placement Underwriting is handled through a Managing General Agency and Excess & Surplus Lines Broker structure. Carrier availability varies by risk and state; some admitted markets are available and other placements may be non-admitted depending on the state and risk characteristics. Deductible: $500 per coverage. Pricing: Flat charge based on total number of locations (up to 20). Typical submission requirements: ACORD property application, schedule of locations, values for covered property, description of occupancy and operations, and recent loss runs. Additional information may be required for spoilage or equipment breakdown exposures. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Carrier availability varies by state and risk; admitted options exist in some markets while other placements may be non-admitted. Confirm state availability and filing requirements at time of submission. Why Work With Colonial General Insurance Agency, Inc. on This Program Colonial General brings wholesale/MGA distribution expertise and relationships with E&S brokers to place accounts where admitted markets are limited. The program reduces placement complexity by standardizing common extensions on a single form, saving time for both agents and insureds. Flat multi-location pricing and consistent limits make it easier to quote regional chains and small multi-site operations without excessive endorsement work. Example Account Scenarios You have a regional bakery with refrigerated inventory and modest equipment breakdown exposure — the spoilage and limited equipment breakdown limits provide targeted protection without custom endorsements. You place a five-location retail chain that wants consistent outdoor sign limits and employee dishonesty coverage — the single-form approach simplifies billing and policy administration across locations. Placement Checklist (Quick) ACORD property application Schedule of locations and values Loss runs (3–5 years) Details on security, refrigeration/temperature controls, and maintenance practices when relevant Frequently Asked Questions What types of accounts are a good fit for this Commercial Property Extension?Small- to medium-sized commercial risks that need targeted supplemental limits — for example, retail, restaurants, offices, and local multi-location chains — are ideal. Accounts should have exposures that fit within the stated per-coverage limits. Are admitted markets available?Some admitted markets are available depending on state and risk profile. Because the program is distributed through an MGA and E&S broker, placement may be admitted or non-admitted based on carrier appetite and state requirements. How is pricing handled for multi-location accounts?Pricing uses a flat charge based on the total number of locations (up to 20). This simplifies quoting and policy administration for multi-site clients. What is the deductible for each coverage?A $500 deductible applies to each coverage listed on the extension form. What submission information helps speed underwriting?Include an ACORD application, schedule of locations and values, recent loss runs, and documentation of temperature controls or security measures when relevant for spoilage, equipment breakdown, or theft-related exposures. Need help placing an account? Connect with a market specialist.

...o prepare foreclosed or evicted properties for resale or re-occupancy. This pr...condos, apartments, and commercial properties, provided the services fall with...

Overview — Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers the Communications Equipment Contractors Program—Residential Insurance to help agents place property and liability coverage for contractors who install, service, and repair residential communications systems. This program is designed specifically for small to mid-size contractors working on television cable, satellite dishes, home networking and computer equipment, telephones, and related electrical communications apparatus. Policy Highlights: Property and liability coverages are available on a mono-line or package basis for contractors engaged in residential installation, service and repair of communications systems such as television cable and satellite dishes, computers, telephones, and other electrical apparatus related to communications. Commercial General Liability Coverage available Primary limits up to $3,000,000 occurrence/aggregate Errors & Omissions (E&O) coverage part — policy limits available Excess/umbrella limits up to $25,000,000 Included coverages: Additional interests Medical payments — $5,000 limit Lost key coverage — $25,000 limit Property damage extension (care, custody and control) — policy limits up to a maximum of $200,000 per occurrence / $300,000 aggregate No deductible required (subject to underwriting) Property Coverage available Accounts receivable Basic, broad, or special form Building and business personal property Business income Computer equipment Contractor’s equipment Equipment breakdown Outside signs Replacement cost or actual cash value Valuable papers Crime Coverage available Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises Ideal Accounts and Appetite This program is a fit for independent contractors and small companies that primarily perform residential communications work: satellite and cable installation, home audio/video and networking, telephone and low-voltage data wiring, and similar services. Typical insureds are mobile crews or small shops with limited storage of client property and minimal exposures from heavy construction operations. Generally not a fit: large commercial contractors, businesses performing extensive structural or high-voltage electrical work, significant fiber-splicing projects with elevated third-party exposure, or accounts with frequent high-value subcontractor liability without proper controls. Coverage Advantages Broad limit options for GL and excess/umbrella to accommodate growing contractors E&O coverage available — important for installation and service errors Property forms and equipment coverage tailored for contractor tools and mobile operations Optional crime coverages to address theft and employee-related loss exposures Available on admitted and excess & surplus lines markets depending on state — see availability below Underwriting Notes Underwriters will review payroll, annual receipts, percentage of residential vs. commercial work, subcontractor usage, driving records for mobile crews, and loss history. Premium and terms vary by state and carrier; carriers for this program vary by risk. No minimum premium is published on this page — contact Colonial General for current submission guidelines and markets. Example accounts A two-crew residential satellite and TV installer with under $1M in receipts, company-owned trucks, and a modest tool inventory — potential fit for package GL + property + E&O. A small home networking/IT contractor who performs in-home installs and provides limited on-site service agreements — fits well with GL limits and E&O coverage for installation errors. Territories and Admitted Status States available: AZ, CA, CO, ID, NV, NM, UT, WY. Markets vary by state; Colonial General places business through admitted and excess & surplus markets depending on the carrier and risk characteristics (Some Available Markets). Why Work With Colonial General Specialized program focused on communications equipment contractors, with program terms and endorsements tailored to common exposures in this niche. Access to multiple carriers and capacity for primary, E&O, and large umbrella limits. Flexible package options — mono-line or combined property/liability placements. Experienced underwriting that understands trade practices for residential installers and service providers. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-size contractors who focus on residential communications work — TV/cable/satellite installers, home networking/IT installers, telephone and low-voltage wiring contractors — with primarily in-home work and limited heavy construction exposures. What limits and coverages can I access?General liability primary limits are available up to $3,000,000 occurrence/aggregate, E&O coverage at policy limits, and excess/umbrella up to $25,000,000. Property, equipment, and crime coverages are also available in various forms. Are policies admitted or non-admitted?Availability depends on the state and the carrier — Colonial General places accounts in both admitted and excess & surplus markets as appropriate (Some Available Markets). Underwriting will determine the best market for each risk. What information should I include with a submission?Provide a completed application, loss run for the past 3–5 years, revenue breakdown (residential vs. commercial), payroll and subcontractor detail, vehicle list and driving records for mobile crews, and a description of equipment and storage practices. Colonial General can provide detailed submission requirements for the target carrier. Need help placing an account? Connect with a market specialist.

Policy Highlights for Condominium Insurance: Colonial General Insurance Agency, Inc. offers a targeted Condominium Insurance program for established community associations where construction and development are complete. This program is built for independent retail agents and brokers who need flexible property, liability, and crime solutions for community associations. Best-fit account types: Single-family homeowner associations (HOAs) Townhouse and townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations The program is available to retail agents and brokers in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can place risks in both admitted and non-admitted markets depending on the state and the account’s profile, giving you more options for harder-to-place exposures. Coverage Highlights and Available Options Property coverage (examples): Accounts Receivable Basic, Broad, or Special Form coverage Building and contents (including common-area property) Business Income / Extra Expense Computer equipment Equipment breakdown Inland marine for scheduled property Outside signs Replacement cost or actual cash value valuation Valuable papers and records Commercial General Liability (CGL): Primary limits available up to $3 million (per occurrence/aggregate) $5,000 Medical Payments included Hired and Non-Owned Auto Liability available Additional insureds / additional interests included at no additional cost where applicable Excess / Umbrella limits available up to $25 million No liability deductible required on many programs Crime Coverage Options: Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage Ideal Accounts and Appetite Colonial General targets well-established, professionally managed residential associations with completed infrastructure and routine maintenance practices. Typical appetites include communities with standard exposures, stable operations, and limited recent losses. Accounts NOT appropriate for this program include new developments, associations still under construction, or projects with significant ongoing developer activity. Example scenarios that often fit: You represent a 150-unit condominium community in Colorado with shared amenities, professional management, and minimal claims history — a good candidate for a combined property and liability placement through Colonial General. A managed townhome association in Nevada seeking property replacement-cost coverage plus a modest umbrella — Colonial General can access admitted or E&S markets to provide options. Why Place Business With Colonial General? As a Managing General Agency and E&S broker, Colonial General combines broad underwriting experience with access to multiple carrier markets. That mix makes the program useful when standard markets are limited or when you need a tailored placement that combines property, liability, and crime coverages. Colonial General emphasizes responsive service, flexible terms (admitted and non-admitted where available), and consolidated placements to reduce carrier fragmentation for your client. Territories and Market Access This Condominium Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place business in admitted markets where available and in non-admitted (E&S) markets when necessary to secure appropriate terms. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. Minimum premium requirements and binding authority vary by carrier and account size. Submit a full exposure summary, copies of declarations pages, loss runs, and details on management and maintenance practices to get the most accurate underwriting response. Frequently Asked Questions What types of accounts are a good fit for this program? Well-established residential community associations — HOAs, townhome communities, and condominium associations with completed construction and professional management are ideal. Is new construction or development eligible? No. The program is designed for completed and operational associations. Associations still in construction or active development are not eligible. Which states is this program available in? The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier and whether admitted markets are offered in a given state. Can I write property and liability together? Yes. Coverages can be written mono-line or packaged to include property, general liability, and crime options depending on the account and carrier appetite. Are there minimum premium requirements? Minimums vary by carrier and account. Contact Colonial General for specific underwriting guidelines and minimum premium thresholds for your submission. Need help placing an account? Connect with a market specialist.

...nd remote residences, including properties with water features like streams I...unique environmental features?Yes. Properties with environmental features such...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Owners Protective Liability Insurance program designed to protect property owners from liability exposures that may arise during construction-related projects. This coverage is available for both commercial and residential developments and is ideal for owners who hire a designated contractor to perform new construction, renovations, or tenant improvements. This program is structured for situations where a designated contractor is performing work at a specified location, and the property owner seeks protection from third-party claims arising out of that contractor’s operations. Coverage is triggered by acts committed by the designated contractor and is available only if the contractor maintains their own primary liability policy. Coverage is provided on a stand-alone basis under ISO form CG 00 09 and is strictly limited to Bodily Injury and Property Damage. It does not provide coverage for Products/Completed Operations exposures. Ideal Accounts and Appetite: Owners Protective Liability is well-suited for: • Real estate developers overseeing ground-up construction or major renovations • Commercial landlords initiating tenant build-outs • Property investors with single or multi-unit residential redevelopment projects • Municipalities or public entities acting as property owners engaging third-party contractors Most classes of construction projects are eligible, provided the designated contractor carries adequate primary liability insurance and the project is clearly defined in the policy declarations. Coverage Available: • Primary limits up to $1,000,000 Occurrence / $2,000,000 Aggregate • Excess or Umbrella limits available up to $25,000,000 • No deductible required • Additional Insured endorsements included for: – Engineers, Architects, or Surveyors – State or Political Subdivisions (for permit purposes) – Mortgagees, Assignees, or Receivers This policy offers a valuable risk management tool for owners seeking to isolate their exposure from the acts of third-party contractors during the course of construction. Underwriting Considerations: This is a stand-alone coverage part and cannot be bundled with other liability or property coverage forms. The designated contractor must be clearly identified and must maintain their own primary liability insurance. Project scope, duration, and location must also be clearly defined during underwriting. Minimum premiums vary based on project size and risk characteristics. Submissions should include contractor information, project description, location details, and confirmation of the contractor's insurance status. Territories and Availability: Colonial General offers this program in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary based on individual risk characteristics and market appetite. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in specialty liability programs and access to a wide range of markets. With both admitted and non-admitted options available in select markets, you gain flexibility in placing complex or unique construction risks. Their underwriting team understands the nuances of contractor-related exposures and can help you craft tailored solutions to protect your clients’ interests throughout the life of their projects. Whether you're working with a real estate investor planning a commercial renovation or a municipality engaging a contractor for community infrastructure improvements, Colonial General can help you secure the right coverage for your insureds. Frequently Asked Questions What types of accounts are a good fit for this Owners Protective Liability program?This program is ideal for property owners—such as developers, landlords, municipalities, or investors—who are hiring a designated contractor for construction, renovation, or tenant improvement projects. Does the contractor need to carry their own insurance?Yes. The designated contractor must carry their own primary liability insurance in order for the owner to qualify for this protective liability coverage. Is coverage available for completed operations?No. This program does not include Products/Completed Operations coverage. It only covers Bodily Injury and Property Damage arising from the contractor’s ongoing operations at the insured project site. Can this policy be written with other coverages?No. Owners Protective Liability Coverage is a stand-alone policy and may not be written in conjunction with other coverage parts. In which states is this program available?Coverage is available through Colonial General in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may depend on specific risk details. Need help placing an account? Connect with a market specialist.