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...right coverage for an Independent School can be challenging. Your clients need... protections tailored to independent schools. Need help placing an account? ...

...Liability in AK, CA, HI, and LA School Districts are ineligible Transit or...ty based on your client’s needs. Are school districts eligible under this program?No, school districts are not eligible for cov...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a targeted Animal Services Insurance program for businesses that care for, board, groom, train or sell household pets. The program is designed for animal shelters, boarding and breeding kennels, pet stores, grooming salons, training facilities and similar pet service operations. Policies are available on a mono-line or package basis and can include property, general liability, crime, and optional excess/umbrella protection to fit the account's needs. Ideal Accounts and Appetite: This program fits small to mid-sized animal service businesses that have routine care, custody, and control exposures for household pets. Typical examples you can place with Colonial General include: • A grooming salon that also offers overnight boarding • A boutique pet store with an in-store daycare or play area • A regional animal shelter seeking combined property and liability protection Accounts involving exotic species, wildlife, or known aggressive/high-risk breeds may be considered only with additional underwriting review and subject to restrictions or exclusions. Commercial General Liability Coverage Available: • Primary limits available up to $3,000,000 Occurrence/Aggregate • Hired and Non-Owned Auto Liability available • Excess or Umbrella limits up to $25,000,000 Included Coverages: – Medical Payments Coverage—$5,000 limit – Additional Insured endorsements at no extra charge – Property Damage Extension (Care, Custody, and Control)—$500 Occurrence / $1,000 Aggregate (higher limits available upon request) – No deductible required for the listed liability extension (deductibles may apply on property or package forms) Crime Coverage Available: • Inside the Premises—Theft of Money and Securities • Inside the Premises—Robbery or Safe Burglary of Other Property • Outside the Premises (employee or third-party theft exposures) Property Coverage Available: • Building and Business Personal Property • Business Income and Extra Expense • Accounts Receivable and Valuable Papers • Care, Custody, and Control for animals in your insured's care • Computer Equipment and Equipment Breakdown • Inland Marine and Outdoor Signs • Basic, Broad, or Special Form; Replacement Cost or Actual Cash Value options Underwriting Notes: Colonial General places business with a mix of admitted and non-admitted markets depending on the risk profile and state. Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Minimum premiums and eligibility vary by class, limits, and coverages selected—refer submissions to underwriting for state-specific guidance and quoting. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General specializes in niche programs for hard-to-place accounts. Agents benefit from their access to multiple carrier partners, flexible underwriting, and regional expertise across the Mountain West and Southwest. Colonial's program is useful when you need tailored care, custody & control wording, higher limits, or E&S capacity that admitted markets may not offer. If you have a client with mixed operations (retail, grooming, and boarding) or an animal shelter with unique property and liability needs, Colonial provides options to help place the account. You might have a client who runs a combined grooming-and-boarding salon looking for liability limits above a typical market, or a non-profit shelter needing a property and liability package with CCC coverage — Colonial can often offer workable terms where standard markets cannot. Frequently Asked Questions What types of accounts are a good fit for this Animal Services Insurance program?Ideal accounts include pet groomers, boarding kennels, animal shelters, pet stores, and dog training facilities that primarily serve household pets. Is the program available for businesses in all states?No, this program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I offer just liability coverage without property?Yes. Both mono-line liability and package policies are available depending on the insured's needs. Are higher limits available for Care, Custody, and Control coverage?Yes. Higher CCC limits can be added upon request and subject to underwriting approval. Does the program accept accounts with exotic or aggressive animals?Exotic species, wildlife, and known aggressive breeds are reviewed case-by-case and typically require additional underwriting; some risks may be declined or offered only with exclusions. Need help placing an account? Connect with a market specialist.

...ent, and volunteer exposures that boards, property managers, and association p...r remedies. Are developer-controlled boards eligible for coverage?Yes. Associations with boards controlled by developers can be el...

Policy Highlights for Occupational Therapist Insurance: As an insurance agent or broker placing coverage for healthcare professionals, you need markets that understand therapy-related exposures. Colonial General Insurance Agency, Inc. offers an Occupational Therapist Insurance program designed to place individual professional liability for occupational therapists in a variety of practice settings. Whether your client is a solo practitioner, a part-time contractor, or volunteers in the community, this program provides flexible options that supplement or replace employer-provided coverage when gaps exist. Overview of the Program From Colonial General Colonial General Insurance Agency is a Managing General Agency and Excess & Surplus Lines broker serving independent agents across the western United States. With access to multiple admitted and non-admitted markets, Colonial General combines underwriting reach and allied-health expertise to place occupational therapist risks. This program is tailored to the exposures therapy professionals face and is intended for individual practitioners rather than large clinic or facility risks. Ideal Accounts and Appetite This program is a fit when an individual occupational therapist needs their own professional liability coverage—either as standalone protection or to fill gaps in an employer policy. Typical placements include: Occupational therapists in private practice or small independent offices Part-time, per-diem, or contract therapists Therapists who provide home healthcare services Professionals engaged in volunteer or community-based therapy work Not a good fit: large therapy clinics, multi-disciplinary facilities with many practitioners on one policy, or accounts requiring facility/general liability packaging. You should submit individual exposures with clear work setting and license information for the best results. Example scenarios agents place well: A part-time occupational therapist who works at two outpatient clinics and wants an individual policy to cover work outside employer hours. A therapist who provides home health visits and volunteers at a nonprofit — requiring coverage for services performed away from an employer’s premises. Coverage Highlights and Advantages This program is designed to address common gaps and individual exposures for occupational therapists. Typical features you can expect to place include: Higher individual policy limits to protect clinicians when employer limits are inadequate Legal defense cost coverage and representation for licensing board hearings Reimbursement for lost wages while attending legal proceedings or hearings Coverage for services performed outside the primary workplace, including volunteer work and home visits Actual terms, limits, and endorsements depend on the carrier and the therapist’s risk profile. Colonial General works to match each submission to the most appropriate market available. Underwriting Notes and Minimum Premiums Underwriting evaluates credentials, license status, practice setting, claims history, and procedures performed. Provide complete applications and current claims information to speed placement. Colonial General has relationships with both admitted and non-admitted carriers, which helps place risks that need flexible terms. Specific minimum premiums vary by carrier and state; submit the account to receive detailed pricing and market options. Territories and Availability This Occupational Therapist Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some states may offer admitted paper while others require non-admitted placement depending on carrier appetite and the individual risk. Why Work With Colonial General? Colonial General provides independent agents with experienced underwriting and access to a broad panel of allied-health markets. Their western U.S. focus, MGA and E&S capabilities, and familiarity with therapy-related exposures make them a responsive partner when you need flexible professional liability solutions for occupational therapists. Frequently Asked Questions What types of accounts are a good fit for this Occupational Therapist Insurance program?This program is designed for individual occupational therapists—including independent practitioners, part-time clinicians, and volunteers—who need standalone or supplemental professional liability coverage. Can this program cover therapists who work in multiple locations or on a contract basis?Yes. The program accommodates therapists who work in varied settings such as outpatient clinics, clients’ homes, and contract assignments. Be sure to disclose multi-location and home visit activity on the application. Are defense costs and licensing board hearings covered?Typically yes. Policies placed through this program often include defense costs and reimbursement for licensing board hearings—coverage that may not be provided by an employer policy. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted versus non-admitted carriers varies by state and by specific account characteristics. What information is needed to submit an application?Provide a completed application with details on the therapist’s license status, work settings, services performed, and claims history. Complete submissions help Colonial General place risks more efficiently. Need help placing an account? Connect with a market specialist.

...f, active volunteer programs, and boards with fiduciary responsibilities are a...

...paratransit providers Private school buses and multi-passenger vans S... limo/shuttle operators, and private school buses or vans. How...

... with driving elements) Driving schools, drift events, rally stages, auto cr..., drag strips, rally stages, driving schools, auto crosses, drifting and sanct...

McGowan Program Administrators Community Associations Umbrella Insurance McGowan Program Administrators (MPA) offers a specialized Community Associations Umbrella Insurance program tailored for agents and brokers placing community association business. With broad eligibility, flexible underwriting and high-limit capacity, this program fills gaps in primary coverage and provides excess protection for a wide range of residential and mixed-use associations across the U.S. Ideal Accounts and Target Classes Eligible Classes: Condominium Associations Homeowners Associations (HOAs) Planned Unit Developments (PUDs) Townhome Associations Property Owners Associations Cooperatives Master Associations This program is designed for associations that require higher liability limits or broader excess protection. It works well for single-site associations as well as large master-planned communities and portfolios that need consistent excess placement across multiple locations. Coverage Highlights and Advantages Products Offered: Umbrella Liability Limits Available: $1MM – $100MM Required Underlying Rating: A- / VII (exceptions can be considered based on account quality) Key program features: Defense Costs Outside the Limits — Defense expenses are paid in addition to the policy limit, helping preserve indemnity limits. No Shared Limits — Each insured receives a separate policy and policy number for clearer limits and claims handling. No Exclusion for Real Estate Managers — Third-party property managers can be included, reducing coverage gaps for associations that use outside managers. Aggregates Per Location — Important for associations with multiple buildings or sites where location-based aggregation matters. Available “Follow Form” Coverages: Directors & Officers (including Employment Practices Liability) Automobile Liability Employers Liability These follow-form options allow the umbrella to align with a broad set of underlying policies for consistent excess protection. Underwriting Notes MPA partners with multiple carriers to provide flexible underwriting solutions. While an A- / VII underlying carrier is standard, high-quality accounts with strong risk controls may qualify for exceptions. The program supports a wide spectrum of risks — from small condo associations to complex master associations and account portfolios. Typical considerations include the size and financial strength of the association, claims history, property exposures, and management arrangements. Practical examples: You might have a condo association with limited primary limits and significant common-area exposures that needs $10M in umbrella capacity to meet contractual requirements and protect the board and members. You might place a large master association that requires location-based aggregates across several neighborhoods and follows form over D&O and auto liabilities for consolidated excess protection. Territories and Availability This program is available nationwide, including all 50 states and Washington, DC. MPA can bind coverage for coastal and inland risks alike and supports placements across the listed states. Why Work With McGowan Program Administrators? As a managing general underwriter focused on niche programs, McGowan Program Administrators combines underwriting expertise, responsive service and access to strong carrier capacity. Agents benefit from dedicated underwriters who understand community association exposures and can structure excess solutions that match each client’s organization, policy structure and risk profile. For more information on Community Associations Umbrella Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this umbrella program?This program is ideal for residential associations such as HOAs, condo associations, PUDs and cooperatives that need higher liability limits and broad excess coverage over common-area, board and management exposures. What is the minimum and maximum umbrella limit available?Limits range from $1 million to $100 million, depending on the account structure, underlying limits and underwriting considerations. Are real estate managers covered under this policy?Yes. The program does not automatically exclude third-party property managers, so associations that use outside management firms can often include their managers under the umbrella, subject to underwriting review. Can this program provide follow-form coverage over D&O and EPL exposures?Yes. Available follow-form coverages include Directors & Officers (including EPL), Automobile Liability and Employers Liability to allow seamless excess placement over those underlying policies. Is this program available in all states?Yes. The Community Associations Umbrella Insurance program is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.

...and Brown Water Vessels Medical Schools and resorts with marine exposures—es...