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Garage Liability & Garagekeepers Insurance Program Overview from Ck Specialty Insurance Ck Specialty Insurance Associates, Inc. offers a comprehensive Garage Liability & Garagekeepers Insurance program tailored for a wide range of automotive-related businesses. As a trusted, family-owned MGA and Surplus Lines Broker based in the Western U.S., Ck Specialty provides brokers and agents access to multiple A-rated markets, with in-house binding authority and strategic brokerage options to meet your clients’ unique needs. This program is available in Arizona, Nevada, and Oregon, and is written on a non-admitted basis through strong carrier partnerships. Ideal Accounts and Risk Appetite This program is built to serve a wide array of garage and automotive operations. Whether your client is a small repair shop or a large truck dealership, Ck Specialty is ready to help you place the business. Ideal accounts include, but are not limited to: Service and Repair Shops Tire Shops (including used tire sellers) Used Auto Dealers Valet Parking Services Auto Dismantlers and Salvage Yards Body and Paint Shops Heavy Truck Dealers and Repair Operations Mobile Auto Repair Services Oil & Lube Shops Auto Storage and Impound Yards Classic and Antique Auto Restoration Roadside Assistance Providers Car Wash Facilities You might have a client running a mobile repair service out of Phoenix or a growing used car dealership in Las Vegas—this program is designed to cover those types of risks efficiently and competitively. Coverage Highlights and Advantages Comprehensive protection is available for a variety of exposures commonly found in the garage and automotive industry. Coverages offered include: Garage Liability Garagekeepers Coverage (Direct Primary or Legal Liability) Dealers Open Lot General Liability Excess Liability Property Employment Practices Liability Pollution Liability Inland Marine With multiple A-rated carriers and flexible underwriting, Ck Specialty can tailor coverage to match your clients' operational risks and industry exposures. Underwriting and Minimum Premiums The program offers a competitive minimum premium starting at $750, making it accessible for smaller operations while still scalable for larger accounts. In-house binding authority helps expedite the quoting and binding process, and when needed, brokerage markets can be accessed for more complex risks. Territories and Availability This program is currently available in the following states: Arizona (AZ) Nevada (NV) Oregon (OR) Agents operating in these states can leverage Ck Specialty’s expertise and market access to confidently quote and place these accounts. Why Partner with Ck Specialty Insurance As a Western-based, family-operated MGA and Surplus Lines Broker, Ck Specialty Insurance is committed to helping retail brokers succeed. With access to multiple A-rated carriers, a broad appetite for garage-related risks, and a focus on responsive service, Ck Specialty is a reliable partner for hard-to-place and standard accounts alike. Their in-house authority streamlines the process while providing the flexibility needed in today’s competitive insurance marketplace. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for service and repair shops, used auto dealers, mobile mechanics, tire shops, car washes, and heavy truck repair businesses, among others. Is this program available on an admitted basis?No, this program is written on a non-admitted basis through A-rated carriers. What is the minimum premium for this program?The minimum premium starts at $750, making it accessible for small to mid-sized operations. What states is the program available in?This program is currently available in Arizona, Nevada, and Oregon. Can I access this program if I have a complex or unusual account?Yes, Ck Specialty has both in-house binding authority and access to brokerage markets for more complex or non-standard risks. Need help placing an account? Connect with a market specialist.

APU's Auto Dealer's Pollution program provides a streamlined, standalone Site Pollution Liability solution designed specifically for small auto servicing operations. Many small dealers and shops find only limited add-on pollution riders or expensive, broad pollution policies that exceed their needs. Amwins Underwriting’s Auto Dealer's Pollution program fills that gap with focused coverage and simple underwriting through an “A+ XV” rated carrier. Overview of the Program from Amwins Underwriting This program is a dedicated Site Pollution Liability policy tailored for auto dealers, repair and servicing centers, and related operations. Coverage is designed to respond to on- and off-site pollution exposures, including third-party bodily injury and property damage, cleanup costs and certain transportation and disposal contingencies. The program supports smaller accounts that need more than a limited add-on endorsement but less than a full, high-cost pollution policy. Target Operations / Ideal Accounts Auto dealers Repair shops and servicing centers Motorcycle and RV servicing shops Tire dealerships, lube and oil change centers Muffler and transmission repair shops Battery stores and similar small automotive service locations Coverage Highlights and Advantages On-site and off-site cleanup costs and third-party bodily injury and property damage Automatic coverage for above-ground storage tanks (up to 110 gallons) Ability to schedule above-ground tanks over 110 gallons and non-regulated underground tanks Automatic contingent liability for waste transportation and for non-owned waste disposal locations (including on-site coverage) Restoration costs included in the definition of cleanup costs Loading and unloading coverage and available tail coverage Program Highlights Ability to honor prior carriers’ retroactive dates on new business Flexible deductible options Simple, streamlined underwriting appropriate for smaller accounts Capacity up to $4,000,000 Underwriting Notes and Minimums This is a focused Site Pollution Liability program intended for smaller auto servicing risks. Typical submissions should include basic site information, tank schedules (if any), and any known environmental history. The program offers flexible underwriting but is best suited for operations without significant historical contamination, complex remediation needs, or heavy industrial exposures. Minimum premium: $500. Territories and Carrier Available across the following U.S. states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage is placed with Berkley Specialty Underwriting Managers through an “A+ XV” rated carrier. Appetite and Typical Restrictions Good fit: small to mid-size auto dealers and service shops, single-location or small multiples with routine maintenance operations. Less suitable: large-scale body shops with heavy historic contamination, major fueling facilities, sites with active regulatory cleanup orders, or locations with frequent off-site hazardous waste hauling under the insured’s control. Tank schedules and disclosures of any prior releases are required for underwriting when applicable. Example Account Scenarios You have a family-owned 3-bay repair shop with an on-site 100-gallon above-ground oil tank and routine oil change operations — this program can provide dedicated pollution limits and cleanup coverage without the cost of a full commercial pollution policy. An independent dealer with a small lube center and a non-regulated underground tank (previously installed and disclosed) that needs scheduled tank coverage and the ability to carry a retroactive date from the prior carrier. Why Place This Business with Amwins Underwriting Amwins Underwriting offers a targeted program designed for the needs of small auto servicing operations, combining focused coverage features, flexible underwriting, and access to a reputable carrier (Berkley Specialty Underwriting Managers). The program balances manageable pricing and meaningful pollution protection, with quick turnaround for straightforward risks. It’s a practical market for agents seeking a pollution solution that fits smaller automotive accounts without overpaying for capacity they do not need. Program Limits: Up to $4,000,000 Minimum Premium: $500 Frequently Asked Questions What types of accounts are a good fit for the Auto Dealer's Pollution program?Small to mid-size auto dealers, repair shops, lube and oil-change centers, tire dealers, muffler and transmission shops, and similar servicing operations with routine automotive maintenance exposures and limited historical contamination are the primary target. Can the program cover above-ground and underground tanks?The program provides automatic coverage for above-ground tanks up to 110 gallons and allows scheduling of larger above-ground systems. Non-regulated underground storage tanks can be scheduled for coverage—disclosure and tank details are required for underwriting. Will Amwins Underwriting accept a prior carrier’s retroactive date?Yes. The program has the ability to honor previous carriers’ retro dates on new business when documentation supports the requested date and underwriting accepts the history. What is the minimum premium and are there flexible deductible options?The published minimum premium is $500. The program also offers flexible deductible options; final terms depend on the risk profile and underwriting review. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a Salvage Yard Insurance program tailored to the unique risks of salvage yards, auto dismantlers, and impound facilities. Through our Commercial Garage department, we provide agents and brokers access to a broad set of coverages crafted for this niche industry. Whether your client operates a small yard or a larger facility with towing and vehicle sales operations, our underwriting team will work with you to secure appropriate protection. Ideal Accounts and Appetite Our program is a strong fit for: Auto salvage yards and recyclers Vehicle impound lots (fenced and gated) Auto dismantlers with parts resale operations Operators offering towing services or in-transit vehicle movement Facilities selling vehicles “AS IS” All accounts must meet basic security requirements, including fully fenced and gated yards. We accept “AS IS” vehicle sales and towing operations, making this a flexible solution for complex garage risks. Accounts with poor site security, extensive on-site retail operations unrelated to vehicle parts, or significant environmental contamination exposures are generally not a fit without mitigation. Coverage Highlights and Advantages This program delivers Commercial Garage coverage options customized for salvage operations, including: Garage Liability limits up to $1,000,000 per accident $3,000,000 aggregate liability limit $5,000 medical payments Garage Keepers coverage on a primary basis with specified causes of loss Dealers Physical Damage False pretense coverage Fire legal liability In-transit coverage for towing operations Broadened coverage endorsements available Property coverage options These coverages help your clients manage exposures tied to customer vehicles, on-site property damage, theft, and liability from sales or towing operations. Endorsement flexibility and a garage-focused underwriting approach make the program useful for mixed-operation facilities. Underwriting Notes and Minimum Premiums Underwriting is done on a risk-by-risk basis. We look for well-managed operations with adequate security, documented safety practices, and acceptable claims histories. Fully fenced and gated facilities are required for eligibility. Minimum premiums vary by state and risk characteristics; our underwriters will provide state-specific guidance when you submit an inquiry. Territories and Availability Colonial General’s Salvage Yard Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Coverage is placed through a mix of admitted and non-admitted markets depending on carrier appetite and state regulations. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings deep expertise in garage and auto-related risks. Our team understands salvage yard exposures and offers hands-on underwriting, fast responses, and access to multiple carrier relationships. We help agents place tough-to-insure accounts with practical coverage solutions and the flexibility many salvage operations need. Example scenarios that fit this program: you have a client who runs a fenced salvage yard with onsite dismantling and occasional “AS IS” sales; or a tow operator who stores impounded vehicles in a secured yard and needs both in-transit and garage keepers coverage. For these and similar risks, Colonial General can be a placement option. Have a client with a fenced salvage yard that also offers towing and sells vehicles “AS IS”? This program is built for that type of operation. Contact us today to discuss your next salvage yard risk. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include salvage yards, auto dismantlers, impound lots, and operations with towing or auto sales components. All facilities must be fully fenced and gated. Is coverage available for towing operations?Yes. The program includes in-transit coverage for towing operations, making it suitable for businesses that regularly move vehicles as part of their services. What are the minimum underwriting requirements?Facilities must be fully fenced and gated. Underwriters also review safety practices, claims history, and the overall scope of operations when assessing eligibility. Can this program accommodate “AS IS” vehicle sales?Yes. “AS IS” sales are acceptable within this program, which provides flexibility for many salvage and resale operations. 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: 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.

Policy Highlights for Martial Arts Studio Insurance: Colonial General Insurance Agency, Inc. offers a specialized insurance program tailored for martial arts studios, including those offering training in boxing and wrestling (amateur only). Whether your client operates a small neighborhood dojo or a multi-discipline martial arts center, this program provides flexible coverage options designed to meet the unique risks associated with martial arts instruction and operations. Coverage is available on a monoline or package basis, allowing you to customize policies to fit your client’s specific needs. Ideal Accounts and Appetite This program is ideal for amateur-level martial arts training facilities, including those offering: Traditional martial arts (e.g., karate, taekwondo, judo) Boxing and wrestling classes (amateur only) Mixed martial arts schools with a focus on amateur instruction Self-defense and fitness-based martial arts programs Typical clients include small to mid-sized studios with a focus on instruction, not professional competition. Facilities with clean loss histories and a commitment to student safety are preferred. Coverage Highlights and Advantages Commercial General Liability Primary Limits up to $3,000,000 Occurrence / Aggregate Hired and Non-owned Auto coverage Excess or Umbrella Limits available up to $25,000,000 Included Coverages: Errors and Omissions Coverage Part Sexual and Physical Abuse Coverage – $50,000 per claim / $100,000 aggregate Medical Payments – $5,000 Limit Additional Interests – Blanket basis No deductible required Property Coverage Building and Business Personal Property Business Income and Extra Expense Computer Equipment Equipment Breakdown Outside Signs Accounts Receivable Valuable Papers Replacement Cost or Actual Cash Value (ACV) Basic, Broad, or Special Form Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes This program is available through various carriers, and Colonial General can tailor solutions based on individual account characteristics. While there is no published minimum premium, submissions should include complete applications and detailed risk information to ensure accurate quoting. The program is designed for amateur-level operations only — professional fighting schools or facilities hosting sanctioned competitions are not eligible. Territories and Availability Colonial General’s Martial Arts Studio Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some markets may be admitted depending on the state and specific exposure type. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. brings deep expertise and market access tailored to niche classes like martial arts facilities. Their underwriting team understands the unique exposures of training studios and offers responsive service, competitive pricing, and flexible coverage structures. Whether you're working with a startup dojo or an established multi-location studio, Colonial General offers solutions to help you protect your client’s business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for amateur-level martial arts studios, including those offering boxing, wrestling, karate, and self-defense training. Competitive or professional-level operations are not eligible. Is coverage available for both liability and property?Yes, coverage is available on a monoline or package basis and includes general liability, property, and crime coverage options. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are there any coverage limits for abuse or misconduct claims?Yes, Sexual and Physical Abuse coverage is included with a $50,000 per claim and $100,000 aggregate limit. Is there a deductible for liability coverage?No, there is no deductible required for the general liability portion of this program. Need help placing an account? Connect with a market specialist.

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: 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.