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...ral Insurance Agency, Inc. places Travel Agent Insurance with carriers that un...red?Yes—underwriters understand that travel agencies face claims arising outside the U...

...ecialized surety bond program for travel agencies and travel management companies that must meet t...ic availability. Can startups or new travel agencies qualify?Yes. Startups can qualify...

...ble. Relocation and emergency travel expense coverage. Eligible classes ...ehavioral health and social service agencies with walk-in clients K-12 and...

...esthetic clinics Home health agencies Small hospitals Pharmacies ...cs, labs, medical spas, home health agencies, small hospitals, pharmacies, and...

Policy Highlights for Directors and Officers Insurance: In today’s litigious and highly regulated business environment, Directors and Officers (D&O) face elevated risks and increasing personal liability. Without a dedicated D&O policy in place, their personal assets may be exposed in the event the organization cannot or will not indemnify them. Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Directors and Officers Insurance program designed to protect individual leaders and the organizations they serve. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of carriers, offering D&O solutions across multiple industries. Whether your client operates a nonprofit, a privately held company, or a publicly traded corporation, Colonial General can help you secure tailored protection that addresses their leadership liability exposures. Some markets are admitted, providing additional flexibility depending on the risk and jurisdiction. Ideal Accounts and Appetite This program is suitable for a wide range of organizations, including: Nonprofit organizations (charities, foundations, associations) Privately held corporations across various industries Publicly traded companies with evolving governance risks D&O insurance through Colonial General can be packaged with related coverages such as Employment Practices Liability Insurance (EPLI), Crime, and Fiduciary Liability, creating a robust management liability solution. Coverage Highlights and Advantages Colonial General’s D&O program offers a broad and flexible policy structure with the following key features: Smooth excess policy structure with an expansive definition of “drop-down event,” enabling the policy to respond when underlying insurers deny or intend to deny coverage No exclusions for bodily injury, property damage, or pollution—uncommon in many standard D&O policies Broad definition of "loss," ensuring wider claims applicability Targeted “organization vs. insured person” exclusion focused only on collusive internal actions Comprehensive definition of "claim" that includes arbitration, mediation, extradition proceedings, subpoenas, and more Enhanced Outside Directorship Liability for insureds serving on external boards Coverage terms and pricing will vary depending on the carrier and the nature of the risk. Underwriting Notes and Minimum Premiums Each submission is reviewed individually, and underwriting requirements may differ by carrier. While there is no stated minimum premium, Colonial General works with a range of markets to match your client’s risk profile with the right solution. Submissions with prior claims, board governance issues, or operating in high-risk industries may require additional underwriting scrutiny. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted or non-admitted markets may vary by state and type of risk. Why Work With Colonial General Colonial General brings extensive experience and market access to help agents place complex management liability risks. As a trusted MGA and E&S broker, they provide responsive service, flexible policy structures, and guidance through the placement process. Whether you’re looking to protect the leadership of a growing nonprofit or secure D&O coverage for a mid-sized private firm, Colonial General is a strong partner for your clients’ evolving needs. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s D&O program?Nonprofits, privately held businesses, and publicly traded companies are all eligible. The program is designed to accommodate a broad range of industries and organizational structures. Can this D&O coverage be packaged with other management liability products?Yes, in many cases D&O coverage can be packaged with EPLI, Crime, and Fiduciary Liability depending on the client's needs and the carrier’s appetite. What makes Colonial General’s D&O program different?The program offers broader definitions of key terms, fewer standard exclusions, and enhanced protection for outside directorships, giving insureds stronger protection in complex scenarios. Are admitted markets available for this program?Yes, some admitted markets are available depending on the risk and the state. Colonial General also has access to non-admitted markets when needed. Which states is the 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.

...ou might have a client who staffs traveling nurses to rural hospitals or provi...is program targets medical staffing agencies that place licensed healthcare pr...

...th small businesses, professional offices, or mid-sized organizations, the pot... hospitality operations Healthcare offices and clinics Light manufacturing...

...Officers, and small to mid-sized agencies focused on real estate closings, tit...ow Officers, and small to mid-sized agencies that specialize in real estate tr...

Colonial General Insurance Agency, Inc. offers a Lessor's Risk Insurance program to help agents place coverage for commercial property owners who lease space to tenants. The program combines Property and Commercial General Liability protection and can be written on a mono-line or packaged basis to match the needs of retail, office, light industrial, or mixed-use properties. Ideal Accounts and Appetite This program is a strong fit for property owners who lease their buildings to commercial tenants. Typical risks include: Retail shopping centers and plazas Office complexes and professional buildings Light industrial or flex buildings Mixed-use commercial properties with retail and office units Examples you might see: a small shopping plaza in California with multiple tenants (including a dry cleaner and a restaurant), or a landlord in Colorado leasing a professional office building. Colonial General’s appetite is focused on conventional leased commercial real estate where landlord controls common areas and seeks coverage for building, loss of income, and liability exposures. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 Per Occurrence / Aggregate $5,000 Medical Payments included Additional interests can be added for $100 each (useful for tenants, lenders) Excess / Umbrella capacity up to $25,000,000 for layering No liability deductible required Property Coverage Options: Basic, Broad, or Special (CP) forms Building and Business Personal Property (contents) Business Income and Extra Expense Replacement Cost or Actual Cash Value settlements Accounts Receivable, Valuable Papers, Computer Equipment Equipment Breakdown and Outside Signs Crime Coverage Options: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises coverage available Underwriting Notes Colonial General places these risks through a mix of admitted and non-admitted markets depending on the state and exposure. Each submission is reviewed to confirm fit and deductible/limit options. Liability typically carries no deductible and the program permits layering with umbrella or excess policies up to $25 million. Provide complete unit-level exposures, tenant use details, and any leasehold or loss-payee/lender requirements at submission to speed placement. Territories and Availability This program is available in the following western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has extensive market experience in these states and can help you navigate state-specific placement issues. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines underwriting expertise with broad market access. Agents benefit from responsive underwriting, flexible admitted and non-admitted options, and service geared to commercial property risks—whether you are placing a single building or a portfolio of leased properties. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Lessor's Risk Insurance?This program is ideal for property owners who lease commercial buildings such as retail centers, office complexes, light industrial buildings, and mixed-use properties to tenants. Is the program available on an admitted or non-admitted basis?Colonial General places business through both admitted and non-admitted markets depending on the state, carrier appetite, and the specific exposures of the account. What limits are available under the liability portion?Primary liability limits are available up to $3,000,000 per occurrence/aggregate, with excess or umbrella capacity available up to $25,000,000. In which states is this program available?The Lessor's Risk program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can additional insureds or interests be added to the policy?Yes. Additional interests can be added for $100 each to meet tenant, lender, or contract requirements. Need help placing an account? Connect with a market specialist.

...ters, consultants, and small home offices. Is this coverage written standalone...