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Program Highlights for In-home Business Insurance: Overview — Colonial General Insurance Agency, Inc. In-home Business Insurance Colonial General Insurance Agency, Inc. offers an In-home Business Insurance program designed for small, owner-operated businesses that run from the insured’s residence. Unlike many standard homeowners policies that exclude business exposures, this program is written as a supplement to the homeowner policy so the home and the business can be insured together. Colonial General underwrites these risks as a Managing General Agency and Excess & Surplus Lines broker with access to multiple markets (carriers vary). Ideal accounts and target classes Owner-operated retail distribution from the home (online shops, craft sellers, direct-to-consumer product sales). Service professionals working from a home office (consultants, bookkeepers, designers, small IT shops) with limited or no public traffic. Creative and light production businesses (artists, tailors, small-scale woodworking or custom jewelry where processes and materials are low hazard). Accounts operated by the insured and/or immediate family with no more than three employees. What typically fits — and what does not Good fits are small operations with low premises exposures, limited customer visits, modest inventory stored on site, and no heavy equipment or hazardous processes. This program generally will not accept accounts that involve significant manufacturing, high customer foot traffic, regular on-site instruction/classes with many attendees, large-volume flammable storage, auto repair, or other high hazard operations. Coverage highlights Business Personal Property — protection for stock, tools, and business equipment kept at the residence. Business Income — limited time element coverage for income interruption tied to the home business operations. Business General Liability — coverage for third-party bodily injury and property damage arising from business operations. Standard All Perils Deductible — consistent deductible structure designed to align with the packaged homeowners supplement. Medical Payments — for on-site medical expense payments to third parties regardless of fault. Underwriting notes for agents Maximum employees: typically the insured and immediate family plus up to three employees. Verify payroll and employee counts on submission. Operations: program focuses on retail distribution or low-exposure services performed at or from the home. Describe production processes, materials, and any flammable or hazardous substances used. Premises exposures: photos of the work area, description of customer access and parking, and any fire or safety protections are commonly requested. Loss history: submit prior loss runs when available — underwriting reviews frequency and severity closely on home-business risks. Carrier placement: markets vary by class and state; some territories have admitted capacity while others are placed on a non-admitted/E&S basis (see availability below). Territories and availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted capacity is available in some markets; other placements may be handled on an Excess & Surplus basis depending on the class and state. Because carriers and admitted status vary, submit early or contact Colonial General underwriting to confirm placement options for a specific state and class. Why work with Colonial General on in-home business accounts Colonial General focuses on small, home-based businesses and understands how to package business coverages with homeowner exposures without forcing a separate commercial property policy. The program streamlines placement for common home business classes, offers tailored limits for personal property and liability, and gives agents flexible access to admitted and non-admitted markets. For borderline or nonstandard situations, Colonial General’s MGA/E&S capabilities can help find an appropriate market. Quick example scenarios Example A — An Etsy artisan sells handcrafted goods online and stores finished inventory in a garage workroom. The owner wants coverage for stock, tools, and limited liability for buyer visits. This program can provide business personal property and liability coverage as a supplement to the homeowner policy. Example B — A freelance bookkeeper works from a home office, has no in-person client traffic, and needs professional liability and business income protection for computer equipment and records. The program accommodates low-exposure office services operated from the residence. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s In-home Business program?Accounts that fit best are owner-operated, retail distribution or low-exposure service businesses run from the home, with limited customer visits, modest on-site inventory, and no more than three employees (including immediate family). Examples include online retailers, artists/crafters, consultants, and small home offices. Is this coverage written standalone or combined with a homeowners policy?The program is written as a supplement to the homeowner policy so the residence and the in-home business are insured together. Placement details and eligibility are confirmed by Colonial General underwriters and vary by market. Can customers visit the home for pickups or appointments?Limited customer visits are typically allowed but depend on the class and expected foot traffic. High customer volume, instruction classes, or regular public events are usually not acceptable. Provide details on expected visits when submitting so underwriters can assess exposure. Which states and admitted options are available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted capacity while others may require non-admitted/E&S placement; carriers vary by state and class, so check with Colonial General for current market availability. Need help placing an account? Connect with a market specialist.

...e Agency, Inc. offers a flexible Residential Liability Insurance program that ...liability coverage for a variety of residential property types across the Sout...

...o help you place a wide range of residential risks. Whether you're working wit...d HO-8 forms to accommodate various residential exposures. In which states is ...

...t host special events or provide resident transportation You might have a cli... prior claims history, payroll, and resident counts—to request a customized qu...

...ty owners and contractors during residential construction projects. This progr...y owners or contractors involved in residential new construction, major remode...

Program Highlights for Farm Insurance: Colonial General Insurance Agency, Inc. offers a Farm & Ranch Insurance Program designed for small to mid-sized farms across the Western U.S. The program handles owner-occupied operations as well as properties rented to third parties. Coverage options are flexible so you can tailor a package for seasonal residences, tenant-occupied farms, or active family operations. Ideal Accounts and Appetite This program is a good fit for agents placing: Small to mid-sized farms and ranches (crop, livestock, hobby farms) Owner-occupied dwellings where farming is the primary activity Seasonal, secondary-use, or part-time farm properties Tenant-occupied farm dwellings and leased hobby farms Example accounts you might submit: a client who leases a hobby farm in Colorado and needs liability and scheduled farm property, or a part-time ranch owner in Utah who needs dwelling coverage while on-site seasonally. Coverage Highlights and Advantages Key coverage features Basic or Broad form property options Comprehensive personal liability coverage for farm-related exposures Coverage for Farm & Ranch structures — barns, fences, corrals, and outbuildings Farm & Ranch personal property protection for tools, equipment, and small machinery Dwelling and contents available on Replacement Cost or Actual Cash Value basis Flexible policy structures Owner-occupied / Seasonal: Dwelling and Liability package with optional scheduled Farm Property and Farm Personal Property Tenant-occupied: Dwelling and Loss of Use with optional scheduled Farm Property Tenant package: Contents, Loss of Use, and Liability with optional scheduled Farm Personal Property Underwriting Notes Colonial General works with multiple admitted and non-admitted markets to find the right placement for each account. Underwriting is case-by-case: the program is designed to be flexible around farming operations, seasonal occupancy, and tenant situations. Provide complete details about operations, structures, values of farm property, and any hired/contract labor to get the most accurate quote. Territories and Availability The Farm & Ranch program is available in these states: Arizona (AZ) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings focused expertise in farm and ranch risks. Agents get responsive underwriting, access to a range of markets (admitted and non-admitted where available), and the ability to tailor coverages for seasonal, tenant, or owner-occupied farms. The MGA structure helps when accounts need flexible terms or access to specialty capacity. Frequently Asked Questions What types of accounts are a good fit for this farm insurance program?This program is ideal for small to mid-sized farms, including owner-occupied, seasonal, and tenant-occupied properties across AZ, CO, ID, NV, NM, UT, and WY. Can I write coverage for tenant-occupied farm dwellings?Yes. Colonial General offers options for tenant-occupied farms, including coverage for the dwelling, Loss of Use, and scheduled farm property. Are both personal and business farm property covered?Yes. The program includes options for both Farm & Ranch structures (barns, fences) and Farm Personal Property (tools, machinery, small equipment). Is this program available on an admitted basis?Some markets within the program are admitted; availability depends on the state and the specific account. Colonial General can also place accounts in non-admitted markets when necessary. What carriers does Colonial General work with for this program?Carrier availability varies by state and account. Colonial General partners with a range of admitted and E&S markets to provide competitive options for farm and ranch risks. Need help placing an account? Connect with a market specialist.