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Policy Highlights — Church Insurance Colonial General Insurance Agency, Inc. offers a dedicated Church Insurance program designed for houses of worship and related operations. The program is available on a mono-line or packaged basis and is underwritten with features agents need when placing church, parish, chapel, and other faith-based risks. Overview of the Program This program provides primary and excess liability capacity, property coverage options, crime protection, and specialized liability extensions that matter to congregations — including clergy counseling E&O and coverage for daycare/preschool operations. Colonial General places business in admitted and non-admitted markets depending on state and risk characteristics (Some Available Markets). Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence/aggregate. Specialized Liability Extensions: Clergy counseling Errors & Omissions and E&O for daycare/preschool operations. Abuse Coverage: Sexual/physical abuse limits available — typically $100,000 per claim / $300,000 aggregate (limits vary by market). Included Protections: Medical payments ($5,000), additional interests, and options for excess/umbrella limits up to $25,000,000. No deductible required on certain liability placements (subject to carrier and state availability). Property: Basic, Broad, or Special forms for building, contents, business income, computer equipment, equipment breakdown, fine arts floaters, food spoilage, outside signs, valuable papers, and options for replacement cost or actual cash value. Crime: Inside-the-premises theft of money and securities; inside robbery or safe burglary of other property; and outside-the-premises theft coverage. Ideal Accounts and Appetite This program works best for small to mid-size congregations and worship facilities that operate typical religious services, community outreach programs, fellowship events, and optional childcare/preschool activities. Appetite includes: Parishes, churches, chapels, and mission sites Facilities with on-site daycare or preschool programs Properties with fine arts, historic elements, or volunteer-run programs Accounts with recent or multiple severe sexual abuse claims, uncontrolled volunteers with unsupervised access to children, or very large exposures may require supplemental underwriting or placement in specialty markets. Underwriting Notes Admitted vs. non-admitted availability varies by state and the insured’s loss history; Colonial General can access admitted carriers in some markets and E&S capacity where needed. Detailed information about childcare operations, background checks, volunteer screening, building values, and protection systems will accelerate quotes. Minimum premiums and binding thresholds depend on the carrier selected; submit full ACORD applications and current loss runs for prompt review. Territories and Licensing Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage offerings, admitted status, and specific limits vary by state and carrier. Why Place Church Business with Colonial General As a Managing General Agency and Excess & Surplus lines broker, Colonial General combines targeted church underwriting with access to multiple admitted and E&S markets. The program’s strengths are its specialized liability extensions (clergy counseling E&O and daycare E&O), abuse coverage options, flexible property forms, and significant umbrella capacity. Colonial General is positioned to help brokers find tailored solutions for faith-based clients where standard markets may be limited. Example Accounts A suburban church with a 150-person congregation, weekday preschool program, and community outreach events — needs primary liability, abuse coverage, and E&O for counseling staff. A rural historic chapel with valuable artwork and a small volunteer-run food pantry — needs special-form property with a fine arts floater and crime coverage for donation handling. Frequently Asked Questions What types of church accounts fit this program?Small to mid-size houses of worship, chapels, and mission sites that run services, community programs, and optional childcare/preschool operations are a good fit. The program is built for congregations that need specialized liability extensions like clergy counseling E&O and abuse coverage. Which states and admission options are available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can access admitted carriers in some markets and E&S capacity where necessary; availability depends on the state and the specific risk profile. Do you offer abuse and clergy counseling coverage?Yes. The program offers sexual/physical abuse limits (commonly listed as $100,000 per claim / $300,000 aggregate in many markets) and clergy counseling E&O. Exact limits and terms depend on the carrier and underwriting review. What underwriting information speeds a quote?Provide a completed ACORD application, current loss runs, details on childcare operations and volunteer screening, building values and protection systems, and any contracts or rental exposures. These items help underwriters place the risk efficiently. Is property coverage available on replacement cost?Yes. Property can be written on replacement cost or actual cash value, with form options including Basic, Broad, or Special and add-ons such as equipment breakdown, fine arts floaters, and business income. Need help placing an account? Connect with a market specialist.

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Public Auto Specialty Insurance Program Amwins National Transportation Underwriters, part of the Amwins Underwriting division, offers a specialized Public Auto program designed for agents placing passenger transportation risks. Our underwriting team has more than 100 years of combined experience in public auto exposures and works with a variety of admitted and non-admitted markets to provide flexible solutions for operators such as shuttles, limousines, charter buses, and social service carriers. Overview of the Program from Amwins Underwriting This program is delivered through Amwins as a Managing General Underwriter with access to multiple carriers. It provides targeted coverages and underwriting expertise for businesses that transport passengers for hire or on behalf of organizations. Policies can be tailored by account and typically include primary auto liability, physical damage, and excess limits when appropriate. Ideal Accounts and Appetite Typical accounts that fit this program include: Airport shuttles, airport limousines and courtesy buses Limousine and chauffeured luxury sedan services Charter and party buses (sightseeing, seasonal recreation, amateur sports) Employee transportation and daycare transport services Social service transportation providers Amwins has appetite for single-state and multi-state operations across a broad range of vehicle fleets and seating capacities. We generally consider accounts with organized driver screening and safety programs. Accounts with frequent charter work, special event service, or mixed-use operations may also be eligible. Coverage Highlights and Advantages Auto Liability limits tailored to the account with available excess layers Physical damage options for comprehensive and collision on scheduled vehicles Flexible underwriting for seasonal operations and mixed fleets Access to multiple carriers through Amwins’ underwriting relationships Underwriting expertise focused exclusively on public auto exposures Underwriting Notes When submitting a request, underwriters typically ask for: Completed public auto application and vehicle schedule Current loss runs (usually 3–5 years) Driver lists and MVRs for principals and drivers Details on safety programs, maintenance, driver hiring, and training procedures While this program handles many public auto classes, it is not intended for high-hazard freight or specialized hazmat transport. Accounts with a history of frequent or severe losses, or with inadequate driver controls, may not be eligible. Territories and Regulatory Positioning The program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage availability and filing requirements vary by state; Amwins can advise on admitted vs. non-admitted placement options as appropriate for the risk. Why Work with Amwins on Public Auto Deep, focused expertise in public auto—underwriters who understand passenger transportation exposures Managing General Underwriter access to multiple carrier capacities and flexible policy forms Responsive underwriting and tailored solutions for single-vehicle owners up to larger fleet operators Ability to consider specialized or niche operations that require a nuanced approach Example submissions you may have: a regional airport shuttle operator with a mixed fleet of 8–12 vehicles and a documented driver training program; or a luxury limousine service seeking liability and physical damage coverage for chauffeurs and high-value sedans. Both are the kinds of risks our team regularly evaluates. To learn more about our Public Auto insurance program, please visit our website. Frequently Asked Questions What types of public auto accounts are a good fit for this program?We typically write airport shuttles, limousines, charter and party buses, daycare and social service transport, employee shuttles, and seasonal recreation transport. Accounts with documented safety programs and acceptable loss histories are preferred. Which lines of coverage are available through Amwins’ Public Auto program?The program commonly includes Auto Liability, Auto Physical Damage, and Excess coverage. Coverages and limits are tailored to the vehicle mix and exposures of each account. What information should I include with a submission?Provide a completed application, vehicle schedule, current loss runs, driver roster with MVRs for key drivers, and a summary of safety and maintenance programs. The more complete the submission, the faster underwriting can evaluate the risk. In which states can I place business through this program?Amwins offers this program in multiple states (see storefront for the full list). Availability and the admitted/non-admitted option can vary by jurisdiction—your Amwins underwriter can advise on placement options for the client’s state. Need help placing an account? Connect with a market specialist.

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Behind every successful nonprofit organization is a team of dedicated employees and volunteers working hard to make a difference in their communities. Whether it’s a daycare center caring for children, a food bank serving families in need, or a cultural nonprofit managing public events, these organizations rely on their people to achieve their mission. That’s why protecting your nonprofit clients with the right Workers’ Compensation Insurance is essential to their continued operation and financial stability. Novatae Risk Group offers a specialized Workers’ Compensation Insurance program tailored to the unique needs of nonprofit and social service organizations. Through our partnership with an "A" rated carrier, we provide reliable coverage solutions for accounts that may be considered tough to place in standard markets. From new ventures to distressed risks or businesses with a high experience MOD, we help agents find appropriate coverage for their nonprofit clients. Ideal Accounts and Appetite MOD 1.30 or greater High-hazard or tough classes Blue, gray, and white collar nonprofit organizations Accounts currently in state pools or assigned risk funds Clients with prior cancellations, lapses, or non-renewals New ventures with no prior coverage Multi-state operations Hard-to-place Workers’ Comp risks You might have a client operating a transitional housing nonprofit with multiple locations and a history of claims. Or perhaps a small arts nonprofit is launching in multiple states. These are the types of accounts Novatae Risk Group can help you place quickly and efficiently. Coverage Highlights and Advantages Fast turnaround on submissions Access to multiple "A" rated carriers Stand-alone Workers’ Comp policies Guaranteed cost solutions Integrated workers’ comp solutions Dividend and retro-rated plans High deductible options Custom account handling for complex risks Underwriting Notes and Minimum Premiums Minimum premium: $10,000 Required documents: ACORD 130, 3–4 years of loss runs, large loss details, and a supplemental questionnaire Territories and Availability This program is available in most states, including 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, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Coverage is offered through all available markets, and carrier options vary by state. Why Work With Novatae Risk Group? Novatae Risk Group is a trusted Managing General Underwriter and E&S Broker with deep expertise in placing challenging workers' compensation accounts. Our specialized nonprofit Workers’ Comp program is backed by years of underwriting experience and access to strong carrier partners. Whether your client is a new nonprofit venture or a well-established organization with complex exposures, we’re here to help you find market solutions that work. Do you need a Workers’ Compensation Insurance Quote for Non-Profit Organizations? Send an email to [email protected] with your coverage needs or call 800-758-8113 to speak to an underwriter immediately. Frequently Asked Questions What types of nonprofit organizations are eligible for this Workers’ Comp program?This program targets a wide range of nonprofits, including social services, daycare centers, housing programs, community outreach groups, and other charitable organizations with blue, gray, or white collar operations. Can I submit a new nonprofit venture with no prior Workers’ Comp coverage?Yes, new ventures are accepted. The program is designed to accommodate accounts with no prior coverage, including startups and recently formed nonprofits. What documentation is required to submit an account?You’ll need to provide an ACORD 130 form, 3–4 years of loss runs, any large loss details, and a completed supplemental questionnaire. Is this program available for nonprofits operating in multiple states?Yes, multi-state exposures are a specialty of Novatae Risk Group. We can help place coverage for nonprofits with operations across several states. What is the minimum premium for this program?The minimum premium starts at $10,000, and pricing may vary depending on risk characteristics and state. Need help placing an account? Connect with a market specialist.