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Let the experts at Entertainment Pro Insurance help you place Faulty Stock and Camera Insurance for your production clients. Comprehensive Camera Insurance Program for Entertainment Professionals Entertainment Pro Insurance provides a specialized Camera Insurance program designed for film, television, music and live-event professionals. As a wholesale broker focused on entertainment risks, we help agents access markets and structure policies that protect high-value camera equipment, raw and exposed media, and post-production assets from unexpected loss. Ideal Accounts and Appetite This program is a fit for a wide range of entertainment accounts, including: Motion picture and television production companies Commercial and independent filmmakers Theatrical and live event producers Broadcast and music production teams Videographers and content creators If your client relies on high-value camera bodies, lenses, film/tape stock or unique recorded media, this program is intended to meet those needs. Typical placements include single-project policies, short-term shoots, and annual equipment packages depending on underwriting. Coverage Highlights and Advantages The Faulty Stock, Camera, and Processing coverage addresses exposures unique to production and media handling. Key coverages include: Loss, damage or destruction of raw film, tape stock and digital media Protection for exposed film — developed or undeveloped — and recorded videotape Coverage for soundtracks, audio tapes and recorded audio Loss from fogging, defective materials, processing errors or faulty equipment Accidental erasure or damage during editing, development or post-production These features are geared to protect content that is often irreplaceable and to address the chain-of-custody risks common in production workflows. Underwriting Notes and Minimum Premiums Entertainment Pro Insurance works with multiple carriers across available markets (admitted and non-admitted where appropriate), giving you flexibility when placing accounts. Minimum premiums vary by carrier and depend on factors such as total equipment values, type and length of production, on-location exposures, and the nature of the media being recorded or processed. Example accounts that often place well: An independent filmmaker renting high-end camera packages for a two-week shoot who needs coverage for camera bodies, lenses and exposed film. A broadcast crew covering live events needing short-term protection for videotape, audio recorders and on-site processing risk. For complex or high-value schedules, provide detailed equipment lists, production schedules, and any transit or storage arrangements to optimize market placement. Territories and Availability This Camera Insurance program is available nationwide, including all 50 states and Washington, DC, with placement capability in key production hubs such as California, New York, Georgia and Florida. See our company profile for state-specific market availability. Why Work With Entertainment Pro Insurance? As a wholesale broker specializing in entertainment, Entertainment Pro Insurance offers agents targeted access to niche markets and tailored policy language. Our underwriters understand production timelines, equipment schedules, and the value of recorded media — which helps deliver faster turnarounds and coverage terms that general markets may not offer. For more information about Faulty Stock and Camera Insurance or to discuss a submission, contact Entertainment Pro Insurance today. Motion Picture, Television, Theatrical, Music, Broadcasting and Special Events Frequently Asked Questions What types of accounts are a good fit for this Camera Insurance program?This program is ideal for film and television production companies, live event organizers, music producers, and independent filmmakers who rely on camera and media equipment for their work. What does the Faulty Stock coverage include?It includes coverage for loss or damage to raw or exposed film, recorded media, and sound equipment due to fogging, faulty materials, camera malfunction, bad processing, or accidental erasure. Is this program available in all states?Yes, Entertainment Pro Insurance offers this program in all 50 states and Washington, DC, through multiple markets. Can I get coverage for a single project or short-term production?Yes. Short-term productions and single-project policies are available depending on underwriting criteria. Contact Entertainment Pro Insurance to discuss your client’s specific needs and schedule. What information is needed to get a quote?You’ll typically need equipment descriptions and values, production type and schedule, locations, and details on film/tape handling or post-production processes. Entertainment Pro’s team can guide you through the submission checklist. Need help placing an account? Connect with a market specialist.

Policy Highlights for Limousine Insurance: Colonial General Insurance Agency, Inc. offers a flexible Limousine Insurance program designed specifically to help agents and brokers place livery and chauffeur-driven transportation accounts. Backed by deep regional market knowledge and responsive underwriting, our team helps you secure tailored coverage, competitive terms, and solutions for both routine and complex operations. Ideal Accounts and Appetite This program targets licensed, commercially insured limousine operations including private executive transportation, special-event limos, airport transfer providers, and corporate chauffeur services. We work with small stretch-limo operators as well as larger fleets of luxury sedans and SUVs. Preferred submissions have consistent business operations, properly maintained vehicles, and clean driving records. New ventures may be considered on a case-by-case basis when driver training, vehicle maintenance, and safety procedures are clearly documented. Example scenarios that often fit well: A regional airport transfer operator with a mixed fleet of sedans and SUVs seeking liability and physical damage limits tailored to multi-zone operations. A small executive limousine company operating stretch limos for events and corporate accounts requiring higher liability limits based on seating capacity. Coverage Highlights and Advantages Colonial General's Limousine Insurance program offers customizable coverages to meet state and federal requirements and the specific exposures of chauffeur-driven transportation: Liability limits available up to $1,000,000 CSL Coverage to meet state/federal requirements by seating capacity — total limits up to $1.5 million Physical damage coverage with deductibles from $500 to $5,000 Radius options up to 500 miles to accommodate regional operations Cargo coverage up to $100,000, including refrigerated goods in transit Policies can be structured to reduce gaps between commercial auto, cargo, and hired/non-owned exposures so your clients operate with clearer protection and manageable risk transfer. Underwriting Notes and Minimum Premiums We place business across admitted and non-admitted markets depending on carrier availability and state rules. Underwriting focuses on driver qualifications, vehicle condition and maintenance records, loss history, and operational controls such as scheduling and dispatch procedures. Minimum premium requirements vary by carrier and risk characteristics. For a specific account, contact our underwriting team with a complete submission so we can evaluate markets and provide prompt proposals. Territories and Availability This program is currently available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Our regional focus gives us practical knowledge of state-level regulatory expectations and common exposures across the Western U.S. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to multiple admitted and E&S carriers and experienced underwriters who specialize in specialty transportation risks. We emphasize fast, transparent communications and practical placement strategies so you can close business with confidence. Whether you're submitting a straightforward airport transfer account or a specialized event-limo operation with unique exposures, our team can help identify appropriate markets, structure coverage, and deliver timely quotes. If you need assistance placing limousine business in the Western U.S., Colonial General's market specialists are available to review submissions and recommend solutions. Frequently Asked Questions What types of accounts are a good fit for this limousine insurance program?Licensed limousine services offering private, executive, event-based transportation, airport transfers, and corporate chauffeur services are a good fit. We handle small and mid-size fleets as well as specialized high-capacity vehicles when appropriate controls are in place. Are new ventures eligible for coverage?Yes. New ventures are considered on an individual basis. Successful submissions typically include driver hiring and training records, vehicle maintenance plans, and a clear operations plan. What is the maximum liability limit available?Liability limits are available up to $1,000,000 CSL, and total limits can be placed up to $1.5 million when required by seating capacity or regulatory mandates. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer both admitted and non-admitted options?Yes. We can place accounts in admitted or non-admitted markets depending on carrier appetite, state rules, and the specific risk profile. Need help placing an account? Connect with a market specialist.

Program Highlights for Personal Umbrella Insurance: Colonial General Insurance Agency, Inc. offers a flexible and competitive Personal Umbrella Insurance program designed for clients who need higher limits of liability coverage across various personal exposures. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General gives independent agents and brokers access to a broad range of markets and underwriting expertise to help place even the most complex personal risks. Ideal Accounts and Appetite This program is an excellent solution for clients who have higher-than-average liability exposures. Ideal accounts include: Households with high-value homes, rental properties, or multiple residences Clients owning sports cars, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with youthful drivers or multiple drivers in the household Public figures, celebrities, and other high-profile individuals Risks with active farm or ranch exposures Insureds needing excess liability above another umbrella policy This program is especially helpful for agents working with clients whose primary auto or homeowners coverage is placed with another carrier, as Colonial General can provide umbrella coverage regardless of the underlying insurer. Coverage Highlights and Advantages Limits ranging from $1 million to $10 million Primary and excess umbrella options available Driver exclusions available to help manage risks with poor driving records Coverage can be extended to additional residences, including rental properties Targeted pricing with competitive rates for qualified risks Solutions available for both standard and hard-to-place accounts For example, you might have a client who owns a vacation rental property, drives a luxury sports car, and has a teen driver in the household. This program allows you to offer them a tailored umbrella solution that bridges coverage gaps and provides peace of mind. Underwriting Notes Colonial General understands the diverse needs of personal umbrella clients and works with agents to engineer viable solutions. Driver exclusions and flexible underwriting allow placement of more challenging risks. While no specific minimum premium is listed, the program is competitively priced based on risk characteristics and limits selected. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, while others may utilize non-admitted/E&S options depending on the risk profile and carrier availability. Why Work With Colonial General? With decades of experience in personal lines and specialty coverage, Colonial General provides expert underwriting, market access, and responsive service to help agents find the right solutions for their clients. Whether you’re placing a standard umbrella or navigating a complex high-net-worth risk, Colonial General has the flexibility and carrier relationships to support you. To learn more or get started, visit the Colonial General Insurance Agency, Inc. company profile or explore the Personal Umbrella Insurance program. Frequently Asked Questions What types of accounts are a good fit for this Personal Umbrella program?This program is ideal for clients with higher liability exposures, such as households with youthful drivers, luxury vehicles, recreational equipment, or rental properties. High-profile individuals and farm exposures can also be accommodated. Can this umbrella policy sit over other primary carriers?Yes. Colonial General can provide umbrella coverage even if the underlying homeowners or auto policies are written by another insurer. What coverage limits are available?Umbrella limits range from $1 million up to $10 million, with both primary and excess umbrella options available depending on the risk. Are driver exclusions allowed?Yes. Driver exclusions can be used to help manage risks involving household members with poor driving records. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

Policy Highlights for Automobile Transport Insurance: If your clients are in the business of transporting automobiles, trailers, or even boats, Colonial General Insurance Agency, Inc. offers a dependable Automobile Transport Insurance program designed to meet their needs. As a trusted Managing General Agency and E&S broker, Colonial General gives agents access to flexible, competitive solutions for specialized transport risks. Ideal Accounts and Appetite This program is ideal for independent auto haulers, vehicle transport companies, and businesses specializing in the movement of trailers, boats, or specialty vehicles. Whether your client operates regionally or nationwide, Colonial General has options to accommodate various transport exposures and operational sizes. Accounts with solid safety records, professional operations, and experience in the transport sector will fit best. This program can accommodate mono-line cargo and excess over primary cargo placements—perfect for clients who need coverage beyond standard limits. Coverage Highlights and Advantages Unlimited radius available on all mono-line cargo policies Excess cargo coverage up to $750,000 over primary cargo limits Cargo limits up to $100,000, with refrigerator breakdown included Loading and unloading coverage included in the base premium These features help your clients manage key exposures related to vehicle damage, theft, refrigeration failure, and transit-related risks. Underwriting Notes Colonial General works with a variety of markets, offering both admitted and non-admitted options depending on the specific risk and state. Submissions with detailed operational information and loss history will receive faster turnaround and more competitive terms. Minimum premium requirements may vary by carrier and coverage limits. Territories and Availability This Automobile Transport Insurance program is available to appointed agents in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. If you're placing business in these territories, Colonial General can offer tailored solutions through its specialized transport markets. Why Work With Colonial General? With years of experience serving the Western U.S., Colonial General understands the unique needs of transportation risks in this region. As an MGA and E&S broker, they provide access to niche markets and specialized underwriting resources that help agents secure coverage for hard-to-place or complex accounts. Their focus on service, responsiveness, and flexibility makes them a strong partner for your transportation clients. For example, you may have a client who transports high-end vehicles across state lines and needs higher cargo limits with excess coverage. Or perhaps a client with a mixed fleet of trailers and boats who needs a mono-line cargo solution with loading and unloading included—Colonial General has the tools to help you place that business. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include independent auto haulers, trailer transporters, and businesses that move boats or specialty vehicles. Operators with solid safety records and experience are preferred. Is excess cargo coverage available?Yes, Colonial General offers excess cargo coverage up to $750,000 over primary cargo limits for qualified risks. Are loading and unloading exposures covered?Yes, loading and unloading coverage is included as part of the base premium under this program. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do I need to submit full operational details for a quote?Yes, complete submissions with operational information and loss history help ensure faster underwriting and better terms. Need help placing an account? Connect with a market specialist.

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: Coal hauling is a specialized segment of the freight trucking industry with distinct operational risks. Colonial General Insurance Agency, Inc. offers a tailored Coal Hauling Insurance program to help appointed agents place coverage for haulers operating in this niche. Whether your client runs a single truck or a small fleet, this program is built to address the exposures common to coal transport. Ideal Accounts and Appetite This program is intended for independent coal haulers and small to mid-sized trucking operations that move coal short to medium distances. Strong-fit accounts routinely transport coal from mines to processing facilities, power plants, or regional depots, and operate within a defined regional footprint. Colonial General most often places risks that operate within approximately 500 miles and that use properly maintained heavy-haul vehicles. Preferred accounts have prior coverage, stable loss history, and documented maintenance and safety programs. Risks that fall outside the coal transport niche, operate beyond the listed territories, or show poor safety or loss records may not be eligible. Coverage Highlights and Advantages Colonial General packages coverages to protect coal haulers against the most common exposures in this line of business: Auto Liability: Limits available up to $1,000,000 CSL. Cargo Coverage: Limits up to $100,000, with refrigeration breakdown coverage included where applicable. Physical Damage: Available with deductible options from $500 to $5,000 to match varying budgets and risk tolerances. Radius Options: Coverage available for hauls up to 500 miles—designed for regional operations. Together, these coverages address liability from accidents, damage to transported coal, and physical damage to vehicles used in coal hauling. Underwriting Notes and Minimum Premiums Colonial General places coal hauling business through a range of carrier partners, offering both admitted and non-admitted options depending on state and risk characteristics. Minimum premium requirements vary by carrier and account size; agents should submit full details to determine eligibility and pricing. Prepare submissions with a complete vehicle schedule, driver rosters and MVRs, radius of operation, and prior loss runs. Accounts with documented safety programs, up-to-date maintenance records, and clean loss histories are more likely to secure competitive terms. Territories and Availability This program is available to appointed retail agents in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has a regional focus across these Western states and understands the operational realities and regulatory environment for coal transport in the area. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings focused expertise in niche transportation segments. The Coal Hauling Insurance program is backed by multiple markets, giving agents flexibility to place harder-to-place risks. Colonial General’s underwriting team offers responsive, practical guidance to help you secure terms quickly. Use this program when you need a market that understands coal hauling specifics—radius restrictions, cargo handling, and heavy-vehicle exposures—and can match those needs to admitted or E&S capacity. Whether you are placing a new account or seeking a better fit for an existing client, Colonial General provides market access and underwriter support tailored to this sector. Frequently Asked Questions What types of accounts are a good fit for this coal hauling program?Ideal accounts are independent operators or small fleets that transport coal regionally within a 500-mile radius in AZ, CA, CO, ID, NV, NM, UT, or WY. What are the available limits for liability and cargo coverage?Liability coverage is available up to $1,000,000 CSL. Cargo coverage is offered up to $100,000, with refrigeration breakdown included where applicable. Is physical damage coverage available?Yes. Physical damage is offered with deductible choices typically ranging from $500 to $5,000. Are both admitted and non-admitted carriers used?Yes. Colonial General works with both admitted and non-admitted markets; availability depends on the state and the account’s characteristics. What information is needed to submit an account?Include a complete vehicle schedule, driver information and MVRs, radius of operation, prior loss runs, and any existing policy details to help underwriting evaluate the risk. Need help placing an account? Connect with a market specialist.

Policy Highlights: If you place business for child care providers that transport children by van, Colonial General Insurance Agency, Inc. offers a specialized Day Care Van Insurance program designed for that exposure. With access to multiple admitted and non-admitted markets and flexible coverage options, Colonial General helps you place risks for licensed day care transport vehicles operating across the Western United States. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines broker with focused transportation products for the child care industry. This program is tailored for licensed day care centers that operate passenger vans to transport children to and from the facility, school, field trips, or other approved activities. Multiple carrier options and underwriting flexibility allow you to address both auto liability and physical damage needs for single vans or small fleets. Ideal Accounts and Appetite This program is a good fit when your client is a licensed commercial day care center that owns and operates one or more passenger vans for business-related child transport. Typical placements include: Licensed child care centers with one or several passenger vans Facilities transporting children locally or regionally (up to a 500-mile radius) Operators with documented safety protocols and clean driving records Restrictions: Colonial General does not provide coverage for in-home day care vans. Examples you might place: a neighborhood day care that runs a single 12-passenger van for drop-off and pick-up, or a small regional center that operates a two-van fleet for local field trips and after-school transport. Coverage Highlights and Advantages Key features of the Day Care Van Insurance program include: Auto liability limits up to $1 million CSL (Combined Single Limit) Physical damage with deductible choices from $500 to $5,000 Operations radius up to 500 miles Ability to structure limits and deductibles to meet client budgets and risk tolerance Whether you are placing a single van or a small fleet, the program’s carrier panel and underwriting flexibility help you tailor a solution to the account’s needs. Underwriting Notes and Minimum Premiums Underwriting focuses on driver qualifications, vehicle use, and safety procedures. Colonial General reviews each submission individually and will consider factors such as driving records, training programs, vehicle maintenance, and supervision practices. Pricing and minimum premiums vary by carrier, state, and exposure; agents can expect competitive options across admitted and non-admitted markets where available. Territories and Availability This program is currently available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Admitted markets may be available in select states; Colonial General can confirm state-specific eligibility and market access on a submission-by-submission basis. Why Work With Colonial General? Colonial General combines niche auto underwriting expertise with a responsive, agent-focused approach. Their access to a variety of carriers—both admitted and non-admitted—gives you placement options when standard markets are limited. The MGA’s emphasis on transportation risks for child care providers means underwriters understand the exposures and can work with you to structure practical coverage and pricing. If you have a client who operates a licensed day care center and needs coverage for transport vehicles, Colonial General can help you find the right protection. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed commercial day care centers that use passenger vans to transport children are the primary target. In-home day care providers and private shuttle services that are not licensed day care centers are not eligible. What coverage limits are available?The program offers auto liability limits up to $1 million CSL and physical damage with deductible options ranging from $500 to $5,000, depending on the carrier and account profile. Is this program available in all states?No. Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets may be offered in some states; Colonial General can advise based on the submission. Can I write coverage for a single van?Yes. The program accommodates single-vehicle risks as well as small fleets, provided the operation meets underwriting criteria. Are admitted markets available?Some admitted markets are available depending on the state and risk details. Colonial General also offers non-admitted options when admitted capacity is limited. Need help placing an account? Connect with a market specialist.

Program Highlights for Personal Umbrella Insurance: Colonial General Insurance Agency, Inc. offers a flexible and competitive Personal Umbrella Insurance program designed for clients who need higher limits of liability coverage across various personal exposures. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General gives independent agents and brokers access to a broad range of markets and underwriting expertise to help place even the most complex personal risks. Ideal Accounts and Appetite This program is an excellent solution for clients who have higher-than-average liability exposures. Ideal accounts include: Households with high-value homes, rental properties, or multiple residences Clients owning sports cars, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with youthful drivers or multiple drivers in the household Public figures, celebrities, and other high-profile individuals Risks with active farm or ranch exposures Insureds needing excess liability above another umbrella policy This program is especially helpful for agents working with clients whose primary auto or homeowners coverage is placed with another carrier, as Colonial General can provide umbrella coverage regardless of the underlying insurer. Coverage Highlights and Advantages Limits ranging from $1 million to $10 million Primary and excess umbrella options available Driver exclusions available to help manage risks with poor driving records Coverage can be extended to additional residences, including rental properties Targeted pricing with competitive rates for qualified risks Solutions available for both standard and hard-to-place accounts For example, you might have a client who owns a vacation rental property, drives a luxury sports car, and has a teen driver in the household. This program allows you to offer them a tailored umbrella solution that bridges coverage gaps and provides peace of mind. Underwriting Notes Colonial General understands the diverse needs of personal umbrella clients and works with agents to engineer viable solutions. Driver exclusions and flexible underwriting allow placement of more challenging risks. While no specific minimum premium is listed, the program is competitively priced based on risk characteristics and limits selected. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, while others may utilize non-admitted/E&S options depending on the risk profile and carrier availability. Why Work With Colonial General? With decades of experience in personal lines and specialty coverage, Colonial General provides expert underwriting, market access, and responsive service to help agents find the right solutions for their clients. Whether you’re placing a standard umbrella or navigating a complex high-net-worth risk, Colonial General has the flexibility and carrier relationships to support you. To learn more or get started, visit the Colonial General Insurance Agency, Inc. company profile or explore the Personal Umbrella Insurance program. Frequently Asked Questions What types of accounts are a good fit for this Personal Umbrella program?This program is ideal for clients with higher liability exposures, such as households with youthful drivers, luxury vehicles, recreational equipment, or rental properties. High-profile individuals and farm exposures can also be accommodated. Can this umbrella policy sit over other primary carriers?Yes. Colonial General can provide umbrella coverage even if the underlying homeowners or auto policies are written by another insurer. What coverage limits are available?Umbrella limits range from $1 million up to $10 million, with both primary and excess umbrella options available depending on the risk. Are driver exclusions allowed?Yes. Driver exclusions can be used to help manage risks involving household members with poor driving records. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

Overview — Colonial General Insurance Agency, Inc. Airport Shuttle Insurance Colonial General Insurance Agency, Inc. offers a targeted airport shuttle program designed for agents who need a flexible market for passenger transport and light cargo operations. This program combines auto liability, physical damage, cargo, and excess auto capacity to cover common exposures faced by shuttle and transfer operators. As a managing general agency and excess & surplus lines broker, Colonial General places business through admitted and non-admitted markets depending on state availability and risk characteristics. Ideal Accounts and Appetite Small to medium shuttle fleets (hotel, airport transfer, corporate shuttles, connector services). Operators carrying passengers and their baggage or light cargo, including food/catering runs tied to terminal operations. For-hire shuttle services with scheduled routes or on-demand airport transfers. Accounts with good driving records, documented maintenance programs, and clear operating radii. Accounts that typically do not fit include high-hazard operations (e.g., open cargo hauling, night-time unescorted intercity long-haul with excessive miles), excessively large fleets without loss control, or operations with poor loss history. Coverage Highlights and Advantages Liability: limits available up to $1,000,000 CSL; additional limits available up to state or federal requirements with per vehicle limits provided up to $1.5 million. Physical damage: full coverage offered with deductible options from $500 to $5,000 to fit different retention preferences. Cargo: limits up to $100,000 with refrigerator breakdown coverage included where applicable. Radius options: flexible territory limits up to 500 miles to support regional operations. Excess auto: capacity available to layer over primary limits for accounts needing higher limits. Placement flexibility: Colonial General works with a variety of markets and carriers; appetite and admitted availability vary by state and risk profile. Underwriting Notes and Typical Requirements Underwriting focuses on operations, loss history, driver qualification, vehicle condition, and radius. Typical information required at submission includes a driver roster and MVRs, up to three years of loss runs, a current fleet schedule with seating capacities and vehicle values, and a description of routes and any cargo types carried. Deductible selection, radius, and passenger exposure will materially affect pricing and placement. Because admitted markets are available in some states but not all, Colonial General frequently accesses both admitted and E&S capacity—ask the underwriter about admitted availability for the specific state and account. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage and admitted options vary by state; Colonial General places accounts in admitted markets where possible and uses excess & surplus capacity for higher-risk or out-of-territory placements. Why Work With Colonial General on Airport Shuttle Business Specialized program tailored to shuttle and passenger transport exposures. Flexible limits and deductible choices to match a range of fleet sizes and risk tolerances. Access to multiple carriers and market appetite — underwriter will evaluate admitted vs. non-admitted placement based on the account. Practical underwriting approach focused on operations and loss control, helping improve placement outcomes for well-managed accounts. Agent Scenarios Example 1: You have a boutique hotel with a three-vehicle shuttle that transports guests to the local airport. The fleet has clean driving records and routine maintenance—this program can provide primary liability, physical damage, and cargo protection with a competitive deductible. Example 2: You represent a regional airport transfer operator that also delivers catering items to terminals. Cargo coverage with refrigerator breakdown included and a 500-mile radius option make this program a practical fit for combined passenger/cargo exposures. Frequently Asked Questions What types of airport shuttle accounts are a good fit for this program?This program is aimed at small to medium passenger shuttle operations—hotel shuttles, scheduled airport transfers, corporate connectors, and similar services that maintain driver qualification, vehicle maintenance, and reasonable radius controls. Which coverages and limits are available?Coverage includes auto liability, physical damage, cargo (with refrigerator breakdown where needed), and excess auto. Liability limits are available up to $1,000,000 CSL, with higher per-vehicle limits up to $1.5 million and cargo limits up to $100,000 depending on the account. Are admitted markets available?Some admitted markets are available depending on state and risk characteristics. As an MGA and E&S broker, Colonial General can place business in admitted or non-admitted markets based on the account and state rules—ask the underwriter for admitted availability in the specific state. What underwriting information should I include with a submission?Include a current fleet schedule, driver roster and recent MVRs, three years of loss runs if available, vehicle values, seating capacities, and a description of typical routes and cargo types. These items speed underwriting and improve placement chances. How are deductibles and territory handled?Physical damage deductibles range from $500 to $5,000. Radius options are available up to 500 miles to support regional operations—both deductible and territory selections influence pricing and market access. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers an Intermediate Trucking Insurance program tailored for local and regional trucking operations. Designed for both for-hire and not-for-hire fleets, the program provides flexible liability, physical damage, and cargo options. With access to multiple admitted and non-admitted markets and experienced underwriting, Colonial General helps agents place intermediate trucking accounts efficiently. Ideal Accounts and Appetite This program is best for small to mid-size trucking operations that operate primarily within a 500-mile radius. Colonial General will consider both for-hire and not-for-hire risks with sound safety practices and reasonable vehicle maintenance. Examples of good-fit accounts include: A regional delivery company running refrigerated box trucks across several neighboring states. An independent owner-operator hauling general freight for regional clients on a primarily local/intermediate route. Underwriting favors fleets with clean loss histories, documented maintenance programs, and qualified drivers. Risks that routinely exceed a 500-mile radius, move specialized high-value commodities, or show frequent or severe losses are generally outside this program’s appetite. Coverage Highlights and Advantages Colonial General’s Intermediate Trucking Insurance program includes a range of coverages and features to match common regional trucking exposures: Liability coverage up to $1,000,000 Combined Single Limit (CSL). Physical damage coverage with deductible options from $500 to $5,000. Motor truck cargo limits up to $100,000, with refrigerator breakdown coverage included where applicable. Operation radius up to 500 miles, suitable for local and multi-state regional work. Package policy options available for both for-hire and not-for-hire risks. These options allow you to tailor limits and deductibles for units such as reefers, dry vans, and flatbeds while combining liability, physical damage, and cargo protections on a single program. Underwriting Notes and Market Access Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, giving agents access to a broad panel of carriers. Where available, admitted markets are offered in select states; non-admitted solutions are used when accounts require broader flexibility. Underwriters focus on: Vehicle condition and age Driver qualifications, MVRs, and hiring practices Fleet safety programs and maintenance records Loss history and frequency Minimum premiums and specific underwriting criteria vary by carrier and account profile. Contact Colonial General’s underwriting team for state-specific rules, minimums, and documentation requirements. Territories and Availability The Intermediate Trucking Insurance program is available in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Availability and admitted options can vary by state—reach out to Colonial General for the most current territory guidance. Why Work With Colonial General? Colonial General brings specialty transportation experience and broad market access to help agents place intermediate trucking accounts that may be challenging at standard carriers. Their strengths include: Dedicated trucking underwriting expertise and quick turnaround on submissions. Access to both admitted and non-admitted markets to handle common and harder-to-place risks. Flexible package designs that combine liability, physical damage, and cargo protections. Responsive service aimed at helping you secure competitive terms for your insureds. You might have a client who runs a small fleet of refrigerated box trucks across three neighboring states or an owner-operator looking for a regional liability and cargo package—Colonial General’s Intermediate Trucking program is structured to handle those profiles. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-size for-hire or not-for-hire trucking operations that operate within a 500-mile radius and need liability, cargo, and physical damage coverage are a good fit. Is refrigerator breakdown coverage included in the cargo insurance?Yes. Cargo coverage includes refrigerator breakdown protection where applicable, with cargo limits up to $100,000. What deductible options are available for physical damage?Physical damage deductibles typically range from $500 to $5,000, allowing you to balance cost and client risk tolerance. Are admitted markets available for this trucking program?Yes. Admitted markets are available in some states; Colonial General also places business in non-admitted markets when needed. Contact them for state-specific availability. Which states is this program available in?The program currently writes business in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier. Need help placing an account? Connect with a market specialist.