Search CompleteMarkets

Overview — RecycleGuard: Recycling Operations (Amwins Underwriting) Fo...?Accounts whose primary business is recycling—such as scrap metal yards, e-was...

...tories, and testing facilities Recycling centers and waste management operat...roperty owners, medical facilities, recycling centers, petroleum distributors,...

Policy Highlights for our Auto Service Risk program: Colonial General Insurance Agency, Inc. offers a specialized Auto Service Risks Insurance program designed for a wide range of automotive-related businesses. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General connects independent agents and brokers with tailored coverage solutions through various carrier partners. This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY, with both admitted and non-admitted markets accessible depending on the risk and location. Ideal Accounts and Appetite This program is built for small to mid-sized auto service businesses with property and liability exposures. Eligible classes include: Auto repair and service shops Quick lube and oil change facilities Car washes (full-service or self-service) Gasoline stations with repair bays Self-service gas stations Tire dealers and installers Public parking garages and lots Automobile storage facilities If you have a client operating a busy auto repair shop in Utah with multiple service bays and valuable on-site equipment, or a tire dealer in Arizona looking for comprehensive liability and property coverage, this program may be a strong fit. Coverage Highlights and Advantages Property Coverage: Accounts Receivable Auto Service Risks Market Segments Endorsements (optional) Basic, Broad, or Special Form Building and Contents Business Income and Extra Expense Computer Equipment and Valuable Papers Equipment Breakdown Inland Marine Outside Signs Replacement Cost or Actual Cash Value options General Liability Coverage: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage included Hired and Non-Owned Auto Liability up to $1 million per occurrence Additional Interest endorsements available Excess and Umbrella limits available up to $25 million Crime Coverage: Inside the Premises—Theft of Money and Securities Robbery or Safe Burglary of Property Inside Premises Outside the Premises coverage Optional crime coverage via Market Segments Endorsement Underwriting Notes and Minimum Premiums Colonial General evaluates each submission on a case-by-case basis. While the program is flexible, accounts with poor loss history or major structural issues may not be eligible. Minimum premiums vary depending on the class of business, coverage selected, and state, so it's best to submit complete applications for accurate pricing. Territories and Availability This Auto Service Risks Insurance program is currently offered in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some markets are admitted, while others are accessed on a non-admitted basis depending on the risk profile and location. Why Work With Colonial General? With decades of experience serving the Western U.S., Colonial General understands the unique risks auto service businesses face. The agency offers responsive service, underwriting expertise, and access to multiple carrier options. Whether you are placing a single-location repair shop or a multi-unit car wash operation, Colonial General can help you find competitive and comprehensive coverage solutions. Frequently Asked Questions What types of accounts are a good fit for this program?Auto repair shops, tire dealers, car washes, quick lube centers, and service stations with repair bays are ideal candidates. Which states is the program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does the program offer both property and liability coverage?Yes, the program offers property, general liability, crime, and inland marine on a mono-line or package basis. Are excess or umbrella limits available?Yes, excess or umbrella coverage is available with limits up to $25 million. Can I get coverage for equipment breakdown and outside signs?Yes, both equipment breakdown and outside signs are available under the property coverage options. 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.

Overview — Scrap Metal Transport Insurance from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a targeted program for agents who place scrap metal transportation accounts. This program is designed for businesses that haul non-hazardous scrap and recyclable metal material, from single-truck owner-operators to small fleet operators. Coverage is available through admitted carriers in some markets and via excess & surplus lines placement where needed. Ideal Accounts and Appetite This program fits accounts that: Transport ferrous and non-ferrous scrap (scrap metal, scrap steel, aluminum, copper, etc.) that is not classified as hazardous waste. Operate for-hire or private/non-for-hire hauling operations. Run local or regional routes—typical radius options extend up to 500 miles. Have clean to moderate loss histories and reasonably maintained vehicles. Generally not a fit: operators hauling hazardous waste, commodities requiring special endorsements, or accounts with chronic, severe loss frequency unless prior mitigation is documented. Specific underwriting decisions vary by carrier. Coverage Highlights and Advantages Package policies available with cargo coverage—cargo limits up to $100,000. Liability coverage available up to $1,000,000 CSL. Physical damage coverage offered with deductible options from $500 to $5,000. State and regulatory filings handled as part of placement where required. Radius options configurable up to 500 miles to match account operations. Admitted capacity in some states; E&S solutions available where necessary. Underwriting Notes When submitting, underwriters typically want: Vehicle schedule (year, make, model, VIN) and vehicle values for physical damage consideration. Schedule of operations: types of scrap hauled, typical routes, radius, and whether hauling is for-hire or private. Loss runs (preferably 3 years) and MVRs for drivers. Details on loading/unloading procedures and any risk controls in place (securement, tarping, GPS, driver training). Minimum premium requirements and final terms depend on territory, fleet size, and carrier selection. Colonial General works with a variety of markets to match pricing and coverage to the account profile. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available; where admitted capacity is not offered, placements will be handled as excess & surplus lines. Carriers vary by state and underwriting appetite. Why Work With Colonial General Insurance Agency, Inc.? Specialized focus on scrap metal transport exposures — underwriting and placement tailored to this niche. Flexible solutions including admitted and E&S options to increase bindability across the Western states listed above. Ability to provide cargo and physical damage limits and deductible choices that suit small fleets and owner-operators. Responsive underwriting and state filing support to help close accounts that require regulatory compliance. Example accounts that are a good fit - A two-truck, for-hire hauler that moves mixed scrap metal regionally within a 300-mile radius, seeking cargo limits and $1,000,000 liability. - A single-owner operator who picks up non-ferrous scrap for local recyclers and needs physical damage coverage with a $1,000 deductible and regulated filings handled. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Scrap Metal Transport program?Accounts that haul non-hazardous scrap and recyclable metals—owner-operators to small fleets—operation within a regional radius (up to 500 miles) with reasonable loss histories are ideal. Is cargo coverage included and what limits are available?Yes. Package policies can include cargo coverage with limits available up to $100,000. Specific limit availability depends on the carrier and account details. Are admitted policies available or is this program E&S only?Some admitted markets are available in select states. Where admitted capacity is not offered, Colonial General places coverage through excess & surplus lines markets. Availability varies by state and carrier. What deductible options exist for physical damage?Physical damage deductible options generally range from $500 to $5,000. Final deductible choices depend on vehicle values, account risk characteristics, and carrier guidelines. What documents should I include with a submission?Include a vehicle schedule, description of operations (commodities hauled and radius), recent loss runs, and driver MVRs. Additional information on loading/unloading procedures and risk controls will help underwriting. 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 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.

Program Highlights for Mobile Home Insurance: Are you having trouble placing mobile home risks that other markets decline? Colonial General Insurance Agency, Inc. offers a flexible Mobile Home Insurance program designed for hard-to-place and non-standard mobile home exposures. The program provides multiple coverage options, access to admitted and surplus solutions through partnering carriers, and underwriting flexibility so you can place accounts other markets turn away. Ideal Accounts and Appetite This program handles both standard and non-standard mobile home risks. Colonial General underwrites a broad spectrum of accounts, including: Owner-occupied mobile homes (primary or seasonal/secondary residences) Tenant-occupied mobile homes Mobile homes used for commercial purposes (coverage limited—no contents or liability for commercial use) Older mobile homes and vintage units Risks with prior losses or claim history Properties in unprotected or rural locations Examples of suitable accounts: a 30-year-old mobile home in a rural county where admitted markets declined, or a tenant-occupied unit with a single prior loss that needs a practical placement. If you need options for a difficult risk, this program is built to consider those submissions. Coverage Highlights and Advantages Colonial General works with multiple carriers to let you tailor coverage to the insured’s needs. Common options include: Comprehensive (all-risk) or Named Perils property coverage Premises liability for owner-occupied dwellings Vendor’s Single Interest (VSI) for lienholders Flood coverage where offered (state- and carrier-dependent) Trip collision coverage for mobile homes while in transit These options help you structure policies for clients who have limited placement alternatives, while balancing price and risk transfer needs. Underwriting Notes and Minimum Premiums Underwriting guidelines vary by carrier and state. Colonial General specializes in accounts other markets shy away from, but expect underwriters to review age/condition, prior losses, occupancy, and protection class. Minimum premium levels are carrier-specific—connect with Colonial General’s underwriting team for state-specific thresholds and submission requirements. Territories and Availability The Mobile Home Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage features such as flood may not be available in every state—availability and rating differ by carrier and location. Why Work With Colonial General? Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with a specialty focus on hard-to-place personal lines. They work with multiple admitted and non-admitted markets to provide flexible solutions and responsive service. Their strengths for agents include: Willingness to consider older units, prior-loss accounts, and rural locations Access to several carriers so you can pursue both admitted and E&S options A specialty underwriting team experienced in mobile-home exposures Practical endorsements (VSI, trip collision) to protect lender and transport exposures For placement help or to discuss state-specific appetite, connect with a Colonial General market specialist. Frequently Asked Questions What types of accounts are a good fit for this Mobile Home program?Owner-occupied and tenant-occupied mobile homes, older units, homes with prior losses, and properties in unprotected or rural areas are all within the program’s appetite. Commercial-use mobile homes are considered with limited coverage (no contents or liability). Is flood coverage included in the policy?Flood coverage is available in some states but not uniformly. Availability depends on the carrier and state; discuss the specific location with Colonial General underwriters. Can I write business in multiple states through this program?Yes. The program accepts submissions in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage options and filings vary by state and carrier. What makes Colonial General different from other MGAs?Colonial General focuses on specialty personal lines and hard-to-place risks. They leverage relationships with multiple admitted and E&S carriers and emphasize underwriting flexibility and agent service to help you place challenging mobile home accounts. Are older mobile homes eligible for coverage?Yes. The program is designed to consider older mobile homes, including those with past losses or in remote areas, subject to carrier guidelines and underwriting review. Need help placing an account? Connect with a market specialist.

Mobile Home Park Insurance Program from Colonial General Insurance Agency Colonial General Insurance Agency, Inc. offers a specialized Mobile Home Park Insurance program designed to help independent agents and brokers place coverage for a range of mobile home and RV park risks. Whether your clients operate permanent mobile home parks, seasonal RV parks, or year-round campgrounds, this program provides flexible solutions with both property and liability options available on a monoline or package basis. Ideal Accounts and Classes This program is well-suited for: Mobile home parks (both permanent and tourist-based) Recreational vehicle (RV) parks Campgrounds with short- or long-term guest stays Typical accounts include family-owned parks, regional park operators, and seasonal sites. You might have a client with a multi-acre RV park in Arizona catering to snowbirds or a mobile home community in Utah with permanent residents—both are excellent fits for this program. Coverage Highlights and Advantages Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown Food Spoilage Inland Marine Outside Signs Replacement Cost or Actual Cash Value Valuable Papers General Liability Coverage Includes: Primary limits up to $3,000,000 occurrence/aggregate $5,000 Medical Payments Coverage – Included Blanket Additional Insureds – Included Liquor Liability (where applicable) Hired and Non-Owned Auto Liability Excess or Umbrella limits up to $25,000,000 No liability deductible required Crime Coverage Options: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Losses Outside the Premises Underwriting Notes Colonial General underwrites through a variety of carriers and offers access to both admitted and non-admitted markets, depending on the risk profile and state. This flexibility allows you to place both standard and harder-to-place risks efficiently. While minimum premium requirements vary by carrier, the underwriting team will work closely with you to review submissions and explore viable options for your accounts. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General maintains a strong regional focus in the Western U.S., making them a reliable partner for agents working in these territories. Why Work with Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker with deep experience in specialty property and liability risks, Colonial General provides access to a wide range of markets and strong underwriting support. Their expertise in the mobile home park and RV park segment allows you to deliver tailored coverage solutions for your clients while streamlining the placement process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile home parks (permanent or tourist-based), RV parks, and campgrounds, including both seasonal and year-round operations. Is coverage available on an admitted or non-admitted basis?Colonial General offers both admitted and non-admitted options, depending on the specific risk and state requirements. What limits are available for liability coverage?The program offers primary general liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million. Are there any specific states where this program is available?Yes, the program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is included in the property coverage?Property coverage includes options such as buildings, contents, business income, equipment breakdown, outside signs, inland marine, and more. 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.