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...vic, luncheon, service, and social clubs — including fraternal lodges. The pro...rance program, making it suitable for clubs that serve alcoholic beverages. Wh...

...clubs) Multi-state clubs that travel or compete in several jurisdictions ...e a good fit for the Equisure program?Clubs and associations focused on non-racing animal activities—polo clubs, dog breed clubs, collegiate groups, trail-riding a...

...l risks include exercise equipment clubs, aerobic studios, weightlifting gyms,...

...nd private golf courses or country clubs with mini-golf Colonial General favo...

Policy Highlights: Whether your client needs coverage for a boat, trailer, or vehicle used in transport, Colonial General Insurance Agency, Inc. offers tailored Trailer Transport Insurance solutions. This program addresses the exposures faced by operators hauling cargo with trailers of all types. As a regional Managing General Agency and Excess & Surplus lines broker, Colonial General provides flexible access to specialty carriers and competitive markets across the Western U.S. Overview of the Program From Colonial General Colonial General’s Trailer Transport Insurance program is focused on transportation risks that arise when cargo is moved using trailers. We write business for independent operators and small fleets and can structure mono-line cargo placements or layered solutions with excess cargo protection. Our market relationships allow us to accommodate a range of cargo types and values while providing underwriting flexibility agents need to place non-standard or higher-value exposures. Ideal Accounts and Appetite This program is a strong fit for agents submitting: Independent transport operators using trailers to haul general freight Small to mid-sized logistics companies with dedicated trailer operations Refrigerated haulers and perishable-goods transports requiring refrigerator breakdown coverage Operators of boat and vehicle trailers or specialty-hauling operations Accounts needing mono-line cargo with no mileage restrictions or excess cargo limits Colonial General can also consider unique or higher-value cargo needs, subject to underwriting review. Accounts that are outside typical trucking program classes but have clear risk controls are often placeable through this offering. Coverage Highlights and Advantages Key features of the Trailer Transport Insurance program include: Unlimited radius on all mono-line cargo policies — suitable for long-haul operators Excess cargo coverage available over primary cargo policies for up to $750,000 Cargo limits up to $100,000, with refrigerator breakdown coverage where needed Loading and unloading exposures covered automatically in the premium These features help manage common transit exposures such as damage in transit, spoilage for refrigerated loads, and gaps between primary and higher-limit needs. Underwriting Notes and Minimum Premiums Underwriting is handled with flexibility and attention to operational detail. Colonial General evaluates accounts on cargo type, routing, handling practices, equipment condition, and loss history. We have access to both admitted and non-admitted markets depending on the state and the risk profile. Minimum premiums vary by market and carrier; submit full operational details for an accurate indication. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? Colonial General combines regional transportation expertise with market access suited to hard-to-place trailer transport risks. Our underwriters are responsive and experienced in structuring both basic mono-line cargo policies and layered excess placements. We work with specialty carriers that can address refrigerated loads, high-value shipments, and accounts that need broad geographic radius without mileage limits. Example placements you might bring to this program include a small carrier hauling refrigerated produce across multiple Western states that needs refrigerator breakdown coverage and higher cargo limits, or a recreational-boat transport operator who requires mono-line cargo protection for trailers and occasional high-value loads. Provide clear operational details and loss history to help us match the right market. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include independent cargo haulers, small transport fleets, and trailer operators moving general, refrigerated, or specialty goods. Is there a mileage restriction on cargo coverage?No. All mono-line cargo policies offer unlimited radius, making this program suitable for long-haul operations. Can this program cover refrigerated goods?Yes. Cargo limits up to $100,000 are available with refrigerator breakdown coverage included where applicable. Are excess cargo limits available?Yes. Colonial General can access markets that write excess over primary cargo for up to $750,000. Which states is this 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...

...l, corporate, or business-related travel. Our program is designed to meet the ...s, and businesses using aircraft for travel. We also welcome antique, cargo, a...

Policy Highlights for Home Health Care Insurance: Colonial General Insurance Agency, Inc. offers a dedicated Home Health Care Insurance program tailored for agencies that deliver professional and non-professional services in residential settings. Whether your client operates a small local service or a growing multi-location agency, this program gives agents access to competitive coverage options on a mono-line or package basis and flexible placement through admitted and surplus markets. Ideal Accounts and Appetite This program is designed for independent agents placing coverage for: Home health care agencies providing nursing, physical therapy, skilled or unskilled personal care Non-medical caregivers offering companionship, housekeeping, meal preparation, or transportation Small to mid-sized operations serving individual homes (not institutional facilities) Preferred accounts have documented safety protocols, staff screening and training, incident reporting, and HIPAA/compliance practices. Agencies that serve high-risk patients (e.g., complex wound care, high-acuity respiratory support) or operate in non-residential/institutional settings may require enhanced underwriting review or be considered outside the appetite. Example accounts you might place: a two-branch caregiver service that provides companion care, medication reminders and light ADL assistance; or a licensed home health agency offering skilled nursing and outpatient PT for post-surgical patients with established training and quality control programs. Coverage Highlights and Advantages Commercial General Liability Primary limits: up to $1,000,000 per occurrence / $3,000,000 aggregate Excess/umbrella limits: capacity up to $25,000,000 Included and available coverages: Medical payments — $5,000 limit Errors & Omissions (professional liability) — available up to policy limits Sexual and/or physical abuse coverage — $50,000 per claim / $100,000 aggregate (higher limits available) No deductible required for standard GL placements Crime Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Property Building and contents Business income and extra expense Computer equipment and equipment breakdown Accounts receivable and valuable papers Inland marine, outside signs Basic, broad, or special form; replacement cost or ACV options Underwriting Notes and Market Access Colonial General places accounts in admitted territories where available and uses surplus lines when appropriate. Underwriters evaluate operational history, staff hiring and training practices, written policies and procedures, loss history, and the specific services provided when structuring coverage. There are no blanket minimum premium rules — quotes are customized to the size and exposures of the account. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets exist in some states; when admitted capacity is not available, Colonial General can access E&S carriers to secure coverage. Why Work With Colonial General? As a Managing General Agency and E&S broker with focused expertise in niche health care and service-based risks, Colonial General offers agents responsive underwriting, broad market access, and personalized placement support. Agents benefit from underwriters who understand common home health exposures and can structure combined GL, E&O and property solutions for growing agencies. Frequently Asked Questions What types of accounts are a good fit for this program?Home health care agencies that provide professional or non-professional services in residential settings — for example, licensed home health agencies, private duty nursing, and non-medical caregiver services — are core fits for this program. Is this program available on an admitted basis?Some markets are admitted depending on the state and the account profile. Colonial General also places business with surplus lines carriers when admitted capacity is limited or unavailable. Are package options available, or is it mono-line only?You can place coverage on a mono-line basis or bundle GL, E&O, property, and crime into a package to fit the client’s needs and exposures. What states is this program offered in?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I get higher limits for abuse or professional liability coverage?Yes. Higher optional limits for sexual/physical abuse and professional liability are available — contact Colonial General underwriting to discuss limits and terms for your specific account. Need help placing an account? Connect with a market specialist.