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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Contractors Equipment Rental Insurance program designed for operations that rent out equipment with an operator. Whether your insured is renting equipment on an hourly, daily, weekly, or monthly basis, this program provides both Property and Liability Coverage tailored to the unique exposures of this niche industry. Ideal Accounts and Appetite This program is ideal for contractors and rental companies that provide construction or heavy equipment along with an operator for use at job sites. These operations often face increased liability risks due to the presence of an employee operating the machinery. Common target classes include earthmoving, grading, crane operations, and other heavy equipment services used in commercial or residential construction projects. You might have a client who rents out backhoes or bulldozers with trained operators for excavation jobs. Another good fit could be a crane rental company providing lifting services for large construction sites. These types of businesses are a strong match for Colonial General’s offering. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 per occurrence/aggregate Additional Interests—$100 each $5,000 Medical Payments Coverage—Included Excess or Umbrella Limits available up to $25,000,000 Minimum $1,000 deductible required Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form Building and Business Personal Property Contractor’s Equipment and Equipment Breakdown Computer Equipment Business Income and Outside Signs Replacement Cost or Actual Cash Value (ACV) Valuable Papers Crime Coverage: Inside the Premises—Theft of Money and Securities Robbery or Safe Burglary of Other Property (Inside the Premises) Outside the Premises coverage also available Underwriting Notes and Minimum Premiums Coverage is available on a mono-line or package basis, and all submissions require a minimum $1,000 deductible. Each account is underwritten based on the nature of the equipment, operator qualifications, and job site exposures. While minimum premium details are not published, agents should expect competitive pricing for qualifying risks. 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), and Wyoming (WY). Some markets are admitted, while others may be offered on a non-admitted basis depending on state availability and risk profile. Why Work With Colonial General Insurance Agency? As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in contractor-related risks and access to a wide range of carriers. Their experienced underwriting team understands the complexities of equipment rental with operator exposures and offers flexible coverage options tailored to your client’s operations. With access to both admitted and non-admitted markets, Colonial General is well-positioned to help agents place hard-to-insure or specialized accounts confidently and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include contractors and rental operations that provide equipment with operators, such as crane rental services, excavation companies, and construction firms using heavy machinery. Is this program available for accounts that only rent equipment without an operator?No, this program specifically targets equipment rental operations that include an operator as part of the rental service. What states is this insurance program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both Property and Liability coverages required?No, the program offers coverage on a mono-line or package basis, depending on your client’s needs. What underwriting details are needed for a quote?Underwriters will typically need details on the equipment types, operator experience, rental duration, and job site locations to provide an accurate quote. Need help placing an account? Connect with a market specialist.

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Program Highlights for Homeowner Insurance: Colonial General Insurance Agency, Inc. offers a flexible, comprehensive Homeowner Insurance program to help you place a wide range of residential risks. Whether you're working with a first-time buyer, an experienced property owner, or a client purchasing a secondary residence, our program delivers competitive solutions and placement options to help you win and retain business. Ideal Accounts and Appetite This program is designed for a broad mix of residential exposures, including: One- and two-family owner-occupied homes Secondary or seasonal residences Rental properties Condominium unit owners Tenants seeking renters insurance We are particularly effective at placing risks that standard markets may decline, such as: Homes with prior losses or gaps in coverage New purchases or properties in distressed neighborhoods Applicants with no prior insurance history Lower-value homes that are well maintained Higher-value dwellings requiring tailored coverage Example scenarios you can place through this program: A homeowner who recently had a policy lapse and needs a new HO-3 with competitive terms. An investor with a single-family rental that requires extended liability and loss-of-use protection. Coverage Highlights and Advantages Colonial General uses ISO forms and offers flexibility across HO-3, HO-4, HO-6 and HO-8. Standard, automatic coverages include: Personal property Comprehensive personal liability Medical payments Other structures Loss of use Available endorsements and optional coverages help you tailor policies to client needs, such as: Extended replacement cost Water back-up and sump overflow Identity fraud expense Builder’s risk / course of construction Extended liability for rental or secondary properties Loss assessment and personal injury In-home business coverage (in select states) Underwriting Notes and Market Access Colonial General functions as both a managing general agency and an excess & surplus lines broker, giving you access to a wide range of admitted and non-admitted carriers. Underwriting emphasizes pragmatic, solutions-oriented reviews so difficult-to-place accounts get timely consideration. Some admitted markets are available depending on state and risk characteristics; where admitted capacity is limited, non-admitted options are frequently used to secure coverage. Territories and Availability This homeowner program is available in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Forms, endorsements and program availability may vary by state. Submit detailed information to get a fast, accurate indication for the appropriate market. Why Work with Colonial General? As an experienced MGA and E&S broker, Colonial General combines deep residential underwriting expertise with broad carrier access. Our team specializes in both standard and non-standard homeowner risks and focuses on practical solutions that help you place accounts other markets decline. You get responsive underwriting, flexible product options, and support to help close more business. Frequently Asked Questions What types of homeowner risks does this program accept?The program accepts owner-occupied homes, secondary residences, rental properties, condos, and renters. It also accommodates risks with prior losses, lapses in coverage, or properties in distressed markets. Are admitted markets available through this program?Yes. Some admitted markets are available depending on the state and specific risk. Colonial General also offers access to non-admitted carriers when admitted capacity is not suitable. Can I submit homes with prior claims or no prior insurance?Yes. The program is designed to help agents place risks that have been declined elsewhere, including homes with prior claims or no prior insurance history. Which ISO coverage forms are available?Colonial General offers HO-3, HO-4, HO-6, and HO-8 forms to accommodate various residential exposures. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability and coverages may vary by state. Need help placing an account? Connect with a market specialist.

Program Highlights for Personal Umbrella Insurance: Colonial General Insurance Agency, Inc. offers a flexible, competitive Personal Umbrella Insurance program tailored for clients who need higher limits of liability across a variety of personal exposures. As a Managing General Agency and Excess & Surplus Lines broker, Colonial General gives independent agents and brokers access to multiple markets and specialized underwriting to help place straightforward and complex personal risks. Ideal Accounts and Appetite This program suits clients with higher-than-average liability exposures. Typical accounts include: Households with high-value primary or secondary homes, rental properties, or multiple residences Owners of sports cars, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with teen or multiple drivers in the household Public figures, celebrities, and other high-profile individuals Risks with active farm or ranch exposures Insureds seeking excess liability above an existing umbrella policy Colonial General is particularly useful when a client’s primary auto or homeowners coverage is placed with a different carrier — the umbrella can often be written regardless of the underlying insurer. Coverage Highlights and Advantages Limits available from $1 million to $10 million Primary and excess umbrella structures offered Driver exclusions can be applied to manage household members with poor driving records Coverage extendable to additional residences, including rental properties Targeted pricing with competitive rates for qualified risks Solutions for standard accounts and harder-to-place exposures Example: you might have a client who owns a vacation rental, drives a luxury sports car, and has a teen driver at home. This program lets you tailor an umbrella to bridge coverage gaps and provide broader liability protection. Underwriting Notes Underwriting is collaborative and flexible. Colonial General will work with you to engineer placements that use driver exclusions and other risk controls where appropriate. While specific minimum premiums are not listed publicly, the program is priced competitively based on the risk characteristics and limits you select. Complex or unusual exposures should be submitted with full risk details for an accurate assessment. Territories and Availability Available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some states may be written on admitted paper while others use non-admitted / E&S markets depending on the carrier and the risk profile. Why Work With Colonial General? Colonial General brings decades of personal-lines and specialty underwriting experience plus broad market access. They focus on responsive service, flexible solutions, and placement options that accommodate non-standard underlying carriers. Whether you’re placing a routine umbrella or a high-net-worth exposure with unusual assets, Colonial General can help identify market capacity and structure the placement. To learn more or get started, visit the Colonial General Insurance Agency, Inc. company profile or explore the Personal Umbrella Insurance program. Frequently Asked Questions What types of accounts are a good fit for this Personal Umbrella program?Clients with higher liability exposure — for example, households with youthful drivers, luxury vehicles, recreational equipment, rental properties, or public figures — are a strong fit. Farm and ranch exposures can also be considered. Can this umbrella policy sit over other primary carriers?Yes. Colonial General can often place umbrella coverage even when the underlying auto or homeowners policies are written by another insurer. What coverage limits are available?Limits typically range from $1 million to $10 million. Both primary and excess umbrella options are available depending on the risk. Are driver exclusions allowed?Yes. Driver exclusions are an available tool to address household members with poor driving records and help make a placement viable. Which states is this program available in?This program is offered in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted availability varies by state; some placements may be on non-admitted/E&S paper. Need help placing an account? Connect with a market specialist.

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...insurance for transporting boats, trailers, or related cargo, Colonial General...endent operators transporting boats, trailers, or marine cargo over land. It f...

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Policy Highlights for Campground Insurance: Colonial General Insurance Agency, Inc. offers a focused Campground Insurance program for agents and brokers placing coverage for campground parks, RV parks, and mobile home communities (tourist and permanent). With access to admitted and non-admitted markets, Colonial General helps you address the unique property, liability, and operational exposures common to these outdoor lodging operations. Ideal Accounts and Appetite This program fits a range of recreational and residential outdoor lodging operations, including: Campgrounds with tent sites and basic to full amenities RV parks with seasonal and transient guests, full hook-ups, and utility services Mobile home communities (tourist and permanent) Accounts with additional exposures—such as an on-site camp store, food service, organized activities, rental equipment, laundry facilities, pools, or playgrounds—may be eligible. Underwriters evaluate activity-based amenities and higher-exposure operations case-by-case based on safety protocols and loss history. The program is geared toward small- to mid-sized owners and operators but can be scaled for larger sites through excess or admitted market placement where available. Coverage Highlights and Advantages Coverages are available on a monoline or package basis to suit your client’s needs. Key options include: Property Coverages Building and Contents Business Income and Extra Expense Computer Equipment and Data Protection Equipment Breakdown Food Spoilage Inland Marine for mobile exposures Outside Signs Accounts Receivable and Valuable Papers Basic, Broad, or Special Form Replacement Cost or Actual Cash Value valuation General Liability Coverages Primary limits available up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments included Blanket Additional Insureds available Liquor Liability (where applicable) Hired and Non-Owned Auto Liability Excess / Umbrella limits available up to $25,000,000 No general liability deductible required Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary Outside the Premises coverage Underwriting Notes Colonial General leverages multiple carrier relationships to tailor solutions by account size, operation type, and location. Underwriters consider loss history, safety and maintenance programs, and the presence of higher-risk amenities (pools, playgrounds, RV clubhouses, rental equipment). While no specific minimum premium is listed publicly, the program is built to accommodate small- to mid-sized operations and can be structured through admitted or excess & surplus markets depending on state availability and risk characteristics. Example fits: An RV park in Utah with 50+ full-service sites, a small camp store, and on-site laundry—seeking packaged property and liability with inland marine for portable equipment. A seasonal tent campground in Colorado with designated fire-pit areas and organized activities—requiring liability limits and equipment breakdown coverage for site utilities. Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Availability of admitted versus non-admitted options varies by state and by the individual account profile. 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 admitted and non-admitted markets. Agents benefit from a responsive underwriting team, flexible packaging options, and placement capability for more complex liability needs through umbrella and excess lines. Use this program when you need tailored coverage for campgrounds, RV parks, or mobile home communities that may not fit standard market criteria. Frequently Asked Questions What types of accounts are a good fit for this program?Campgrounds, RV parks, and mobile home communities—both tourist and permanent—with amenities such as utility hook-ups, camp stores, pools, or organized activities are a strong fit. Higher-exposure features will be evaluated on safety and loss history. Is the program available on an admitted basis?Some admitted markets are available depending on the state and the account’s profile. Colonial General also places business in non-admitted markets when necessary. Are risks with pools or playgrounds eligible?Yes—these risks can be eligible. Underwriters will review safety features, maintenance records, signage, and prior losses when assessing eligibility. Can I access umbrella or excess liability through this program?Yes. Excess and umbrella limits are available up to $25,000,000 to help meet larger liability needs. Which states is this program offered in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Market options (admitted vs. non-admitted) may differ by state. Need help placing an account? Connect with a market specialist.