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Policy Highlights for Shopping Center Insurance: Colonial General I...s is this program available in?This Shopping Center program is available in AZ...

Shopping Center Insurance Allstar Financial ...he needs of your client. Are vacant shopping centers eligible for coverage?Yes, vacant...

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Pawn Shop Insurance program specifically designed for businesses involved in lending money on personal property or purchasing personal items for resale. Whether your client operates a small independent pawn shop or a multi-location operation, this program provides flexible options for both Property and General Liability coverage on a mono-line or package basis. Ideal Accounts and Appetite This program is an excellent fit for retail pawn shops located in the Western U.S. that: Lend money on personal items left as collateral Buy and sell secondhand goods, jewelry, electronics, and collectibles Maintain on-premises inventory and safes Accounts with well-documented procedures for security, appraisals, and recordkeeping are considered favorably. We can accommodate both new ventures and established operations, though underwriting may vary depending on experience and loss history. Coverage Highlights and Advantages Property Coverage options include: Accounts Receivable Basic, Broad, or Special Form (Excluding Theft) Building—Replacement Cost or Actual Cash Value Business Income Business Personal Property—Subject to Evaluation Clause Computer Equipment Equipment Breakdown Outside Signs Valuable Papers Crime Coverage options include: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Commercial General Liability Coverage includes: Primary limits up to $3,000,000 Occurrence/Aggregate Hired and Non-Owned Auto coverage $5,000 Medical Payments—Included Additional Interests—Included at no charge Excess or Umbrella limits up to $25,000,000 No deductible required Contractual Liability Limitation Note: Products/Completed Operations coverage is excluded under this program. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to match the right market to each risk. While minimum premium requirements vary depending on coverage selections and risk characteristics, our underwriters are available to discuss submissions and tailor coverage packages to meet your clients' specific needs. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; however, non-admitted options may be used when needed to meet unique risk requirements. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and strong carrier relationships to help agents place specialty and hard-to-place risks. Our Pawn Shop Insurance program reflects our commitment to niche markets and underwriting expertise in retail operations with unique exposures. Agents benefit from responsive service, flexible underwriting, and access to multiple markets under one roof. For example, if you have a client with a pawn shop in downtown Denver that handles jewelry, electronics, and firearms, we can help you structure a package that includes property, crime, and liability coverage to protect their inventory and operations. Or, if your client recently opened a new pawn shop in Nevada and needs affordable liability coverage with optional crime enhancements, this program is well-positioned to deliver. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail pawn shops that lend money on personal items or purchase goods for resale. Stores with inventory, safes, and solid loss control practices are preferred. Is this program available in admitted markets?Yes, Colonial General offers both admitted and non-admitted options depending on the state and risk profile. Availability varies by carrier and coverage selections. Can I submit new ventures or startups?Yes, new pawn shop operations may be eligible. Underwriters will evaluate the owner's experience, business plan, and projected operations. Are package policies available?Yes, policies can be written on a mono-line or package basis. You can combine property, general liability, and crime coverage into a single policy. Which states is the Pawn Shop Insurance 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.

...ay include: Freestanding detox centers Hospital-based or affiliated detox...gram is ideal for freestanding detox centers, hospital-affiliated units, and s...

...coverage eligibility for learning centers and tutoring facilities. Coverage is...ational schools, as well as tutoring centers and private K-12 institutions off...

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Policy Highlights for Barber Shop Insurance: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Barber Shop Insurance program designed for independent insurance agents and brokers looking to place barber-related risks. Whether your client owns a single-chair barber shop or operates a full-service grooming business, this program provides tailored coverage options to help protect their property, operations, and liability exposures. Ideal Accounts and Appetite This program is an excellent fit for a wide range of grooming and personal care businesses, including: Traditional barber shops Independent barber operators Manicurists and nail technicians Masseuses and spa professionals Ear piercing and facial services Beauty makeover specialists Accounts with clean loss histories and professional operations are ideal candidates. The program also accommodates individual professionals working as independent contractors or within larger businesses. Coverage Highlights and Advantages Property Coverage Property insurance is available on a mono-line or package basis and includes options such as: Basic, Broad, or Special Form coverage Building and Contents coverage Business Income coverage Equipment Breakdown Computer Equipment Inland Marine Outside Signs Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value options General Liability Primary limits up to $3 million occurrence/aggregate Included Errors and Omissions coverage at policy limits Independent contractors included as additional insureds Hired and Non-Owned Auto liability Sexual and/or Physical Abuse coverage: $50,000 per claim/$100,000 aggregate (higher limits available) Medical Payments: $5,000 limit Excess or Umbrella limits available up to $25 million No deductible required 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 Colonial General works with a variety of carriers to provide flexible options based on risk characteristics. While some admitted markets are available, availability may vary by state and account type. Submission requirements are streamlined for ease of quoting. Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep experience placing niche service business risks. They understand the unique exposures of barber shops and personal grooming professionals, and they provide tailored insurance solutions to help you serve your clients better. Their access to both admitted and non-admitted markets allows for flexibility in coverage design, while their regional focus ensures market familiarity and responsiveness. Whether you're working with a small-town barber or a multi-operator grooming salon, Colonial General can help you find the right fit for your client's insurance needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for barber shops, independent barbers, manicurists, masseuses, and similar personal grooming professionals. Can individual operators be covered under this program?Yes, coverage is available for individual operators, including independent contractors, with options to include them as additional insureds. Is this program available on an admitted basis?Some admitted markets are available; availability depends on the specific account and state. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for abuse and molestation coverage?Yes, higher limits are available beyond the base $50,000 per claim/$100,000 aggregate limits upon request. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Tire Dealers Insurance Program designed specifically for tire dealers and related automotive businesses. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General works with a variety of carriers to provide tailored solutions that address the unique risks faced by tire retailers, installers, and service operations. Overview of the Program From Colonial General This program is built for tire dealers that need specialized Commercial Garage coverage. Whether your client operates a single-location tire shop or a multi-bay service center, Colonial General can help you place coverage to meet their operational and liability exposures. Our experienced team is ready to assist with underwriting guidance and fast turnaround times. Ideal Accounts and Appetite The Tire Dealers Insurance Program is suitable for businesses involved in: New tire sales and installation Tire repair and balancing services Auto garages with tire-related services Specialty tire dealers (e.g., off-road, equipment tires) Used tire sales may be considered on a case-by-case basis. However, accounts engaged in recap, retread, or remanufactured tire services are excluded. "AS IS" auto sales are acceptable under the program. Coverage Highlights and Advantages The program offers a strong suite of coverages to protect your tire dealer clients from both common and specialized risks: Garage Liability Limits up to $1,000,000 per accident $3,000,000 Liability Aggregate 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 Broad Form Garage Endorsements $5,000 Medical Payments Property Coverage available Underwriting Notes and Minimum Premiums Colonial General evaluates each account individually. While no specific minimum premium is listed, accounts should demonstrate sound risk management practices and fall within the target class profile. Our underwriters are happy to work with you to determine eligibility and pricing. 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 are available depending on the risk and market availability. Why Work With Colonial General Colonial General brings decades of experience serving agents and brokers in the Western U.S. We specialize in hard-to-place commercial risks and niche programs, offering access to a wide range of carriers and competitive solutions. Our team is responsive, knowledgeable, and committed to helping you grow your book of business with quality markets. If you have a tire shop client looking to expand into specialty tire sales or an automotive garage that needs stronger liability protection, Colonial General can help you secure the right coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include retail tire dealers, tire installation and repair shops, and specialty tire dealers such as those selling off-road or equipment tires. Are used tire sales eligible for coverage?Used tire sales may be considered depending on the nature of the operation. However, recap and retread tire services are excluded from this program. Is this program admitted or non-admitted?Both admitted and non-admitted markets are available depending on the state and risk profile. What states is this program available in?The Tire Dealers Insurance Program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I place coverage for a shop that also sells vehicles?Yes, "AS IS" auto sales are acceptable under this program, subject to underwriting review. Need help placing an account? Connect with a market specialist.