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Policy Highlights: If you work with clients operating van pooling or commuter shuttle services, Colonial General Insurance Agency, Inc. offers a flexible and reliable market for this niche transportation risk. Our Van Pooling Insurance program is designed to help agents place business for accounts that require specialized coverage to meet both state and federal requirements. Ideal Accounts and Appetite We are looking to write van pool operations that transport groups of commuters, employees, or members of organized travel programs. Ideal risks include: Employer-sponsored van pools Public or private commuter services Nonprofit ride-sharing programs Community transportation providers Accounts should operate within the Western U.S. and maintain a good safety record. We can consider vehicles with seating capacities that require state or federal coverage thresholds. Coverage Highlights and Advantages Our Van Pooling Insurance program is tailored to meet the unique exposures of group transport operations. Key coverages include: Liability limits up to $1,000,000 Combined Single Limit (CSL) Physical damage coverage with flexible deductible options from $500 to $5,000 Coverage limits available to meet state and federal minimums based on passenger seating capacity, up to $1.5 million Radius of operation options available up to 500 miles Underwriting Notes Our underwriting team evaluates accounts based on fleet size, usage patterns, driver qualifications, and loss history. While we do not list a specific minimum premium, we aim to write competitively priced accounts that fit our underwriting appetite. We work with a variety of carriers to offer the right solution based on the risk profile. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on the state and risk details; otherwise, coverage is placed through non-admitted carriers. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in transportation-related risks. We provide agents with access to multiple markets, responsive underwriting, and flexible coverage options tailored to meet the needs of van pool operators. Whether your client is a small nonprofit van pool or a large employee commuter program, we can help you find the right solution quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this Van Pooling Insurance program?Ideal accounts include employer-sponsored van pools, nonprofit ride-share programs, and commuter shuttle services operating within the Western U.S. What is the maximum liability limit available?We offer liability coverage up to $1,000,000 Combined Single Limit (CSL), with total coverage options up to $1.5 million based on seating capacity requirements. Are both admitted and non-admitted markets available?Yes, we have access to both admitted and non-admitted markets depending on the state and risk profile. Is there a minimum premium for this program?While we do not specify a minimum premium, pricing is competitive and based on underwriting factors such as fleet size, driving radius, and loss history. In which states is this program available?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

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Overview — Colonial General Insurance Agency, Inc. Airport Shuttle Insurance Colonial General Insurance Agency, Inc. offers a targeted airport shuttle program designed for agents who need a flexible market for passenger transport and light cargo operations. This program combines auto liability, physical damage, cargo, and excess auto capacity to cover common exposures faced by shuttle and transfer operators. As a managing general agency and excess & surplus lines broker, Colonial General places business through admitted and non-admitted markets depending on state availability and risk characteristics. Ideal Accounts and Appetite Small to medium shuttle fleets (hotel, airport transfer, corporate shuttles, connector services). Operators carrying passengers and their baggage or light cargo, including food/catering runs tied to terminal operations. For-hire shuttle services with scheduled routes or on-demand airport transfers. Accounts with good driving records, documented maintenance programs, and clear operating radii. Accounts that typically do not fit include high-hazard operations (e.g., open cargo hauling, night-time unescorted intercity long-haul with excessive miles), excessively large fleets without loss control, or operations with poor loss history. Coverage Highlights and Advantages Liability: limits available up to $1,000,000 CSL; additional limits available up to state or federal requirements with per vehicle limits provided up to $1.5 million. Physical damage: full coverage offered with deductible options from $500 to $5,000 to fit different retention preferences. Cargo: limits up to $100,000 with refrigerator breakdown coverage included where applicable. Radius options: flexible territory limits up to 500 miles to support regional operations. Excess auto: capacity available to layer over primary limits for accounts needing higher limits. Placement flexibility: Colonial General works with a variety of markets and carriers; appetite and admitted availability vary by state and risk profile. Underwriting Notes and Typical Requirements Underwriting focuses on operations, loss history, driver qualification, vehicle condition, and radius. Typical information required at submission includes a driver roster and MVRs, up to three years of loss runs, a current fleet schedule with seating capacities and vehicle values, and a description of routes and any cargo types carried. Deductible selection, radius, and passenger exposure will materially affect pricing and placement. Because admitted markets are available in some states but not all, Colonial General frequently accesses both admitted and E&S capacity—ask the underwriter about admitted availability for the specific state and account. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage and admitted options vary by state; Colonial General places accounts in admitted markets where possible and uses excess & surplus capacity for higher-risk or out-of-territory placements. Why Work With Colonial General on Airport Shuttle Business Specialized program tailored to shuttle and passenger transport exposures. Flexible limits and deductible choices to match a range of fleet sizes and risk tolerances. Access to multiple carriers and market appetite — underwriter will evaluate admitted vs. non-admitted placement based on the account. Practical underwriting approach focused on operations and loss control, helping improve placement outcomes for well-managed accounts. Agent Scenarios Example 1: You have a boutique hotel with a three-vehicle shuttle that transports guests to the local airport. The fleet has clean driving records and routine maintenance—this program can provide primary liability, physical damage, and cargo protection with a competitive deductible. Example 2: You represent a regional airport transfer operator that also delivers catering items to terminals. Cargo coverage with refrigerator breakdown included and a 500-mile radius option make this program a practical fit for combined passenger/cargo exposures. Frequently Asked Questions What types of airport shuttle accounts are a good fit for this program?This program is aimed at small to medium passenger shuttle operations—hotel shuttles, scheduled airport transfers, corporate connectors, and similar services that maintain driver qualification, vehicle maintenance, and reasonable radius controls. Which coverages and limits are available?Coverage includes auto liability, physical damage, cargo (with refrigerator breakdown where needed), and excess auto. Liability limits are available up to $1,000,000 CSL, with higher per-vehicle limits up to $1.5 million and cargo limits up to $100,000 depending on the account. Are admitted markets available?Some admitted markets are available depending on state and risk characteristics. As an MGA and E&S broker, Colonial General can place business in admitted or non-admitted markets based on the account and state rules—ask the underwriter for admitted availability in the specific state. What underwriting information should I include with a submission?Include a current fleet schedule, driver roster and recent MVRs, three years of loss runs if available, vehicle values, seating capacities, and a description of typical routes and cargo types. These items speed underwriting and improve placement chances. How are deductibles and territory handled?Physical damage deductibles range from $500 to $5,000. Radius options are available up to 500 miles to support regional operations—both deductible and territory selections influence pricing and market access. Need help placing an account? Connect with a market specialist.

Policy Highlights: Trailer sales and repair operations carry distinct garage, inventory, and in-transit exposures that need specialized placement. Colonial General Insurance Agency, Inc. offers a tailored Trailer Sales and Repair Insurance program that helps agents and brokers place dealership, service, fabrication, and towing-related risks with market access 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 longstanding relationships across admitted and non-admitted markets. This Trailer Sales and Repair program is designed for businesses that sell, service, customize, or tow trailers. We work with a variety of carriers to match coverages to the account’s operations, risk profile, and state regulatory requirements. Ideal Accounts and Appetite This program is a good fit for independent agents placing: Trailer dealerships (new and used inventory) Trailer repair or service shops and mobile service providers Trailer customization, welding, or fabrication businesses Operations with incidental towing or customer pickup/delivery of trailers Not eligible: rental operations and businesses that provide rented storage space. Ineligible exposures typically include fleet rental programs, large-scale public storage operations, or businesses with significant rented-storage income. You might have a client who operates a rural trailer dealership with attached service bays and customer demos, or a repair shop that tows customer units — both are the type of accounts this program targets. Coverage Highlights and Advantages The program provides broad garage-related liability and property protections tailored for trailer dealers and repairers: Garage Liability: Limits up to $1,000,000 per accident with higher aggregate capacity available (up to $3,000,000 aggregate) Medical Payments: $5,000 standard Garage Keepers: Primary basis coverage with specified causes of loss Dealers Physical Damage: Coverage options for owned inventory and customer trailers False Pretense Coverage: Available to address theft-by-deception exposures Fire Legal Liability: Included Broadened Coverage Endorsements: Available to expand protection as needed In-Transit Coverage: For towing and delivery operations Optional Property Coverage: Buildings, contents, tools, and business income can be added Underwriting Notes and Minimum Premiums Colonial General performs case-by-case underwriting to determine market placement. Key considerations include location, operations (sales vs. service vs. fabrication), inventory values, tow/in-transit exposure, and loss history. There is no single published minimum premium; pricing will vary based on the account’s size and exposures and may sit in admitted or E&S markets depending on the state and details. Territories and Availability The program is available in the following western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some carriers are admitted in certain states while others are offered on a non-admitted basis; availability will be confirmed during submission and quote review. Why Work With Colonial General? Colonial General combines niche underwriting experience with access to multiple admitted and non-admitted markets, giving agents a responsive partner for placing trailer dealers and repair shops. Our team understands common loss drivers in this segment — inventory exposures, customer property risks, towing liability, and fabricated equipment — and can help structure coverages to reduce gaps and improve insurability. To start a submission or learn more about placement options, visit the Colonial General company page or the program page on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include trailer dealerships, repair shops, and service centers that do not provide trailer rentals or rented storage space. Is property coverage available in this program?Yes. You can add property coverage to protect buildings, business personal property, tools, inventory, and business income where available. Are towing and in-transit exposures covered?Yes. In-transit coverage for towing and delivery operations is included; limits and terms depend on the submission details. Can I place business in all 8 states listed?Yes. The program accepts submissions in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets will be admitted and others non-admitted depending on the state and risk. What is excluded from coverage?Rental operations and rented storage space are specifically excluded from this program. Need help placing an account? Connect with a market specialist.

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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.