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Program Highlights for Personal Umbrella Insurance: Colonial General Insurance Agency, Inc. offers a flexible and competitive Personal Umbrella Insurance program designed for clients who need higher limits of liability coverage across various personal exposures. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General gives independent agents and brokers access to a broad range of markets and underwriting expertise to help place even the most complex personal risks. Ideal Accounts and Appetite This program is an excellent solution for clients who have higher-than-average liability exposures. Ideal accounts include: Households with high-value homes, rental properties, or multiple residences Clients owning sports cars, motorcycles, jet skis, ATVs, snowmobiles, or golf carts Families with youthful drivers or multiple drivers in the household Public figures, celebrities, and other high-profile individuals Risks with active farm or ranch exposures Insureds needing excess liability above another umbrella policy This program is especially helpful for agents working with clients whose primary auto or homeowners coverage is placed with another carrier, as Colonial General can provide umbrella coverage regardless of the underlying insurer. Coverage Highlights and Advantages Limits ranging from $1 million to $10 million Primary and excess umbrella options available Driver exclusions available to help manage risks with poor driving records Coverage can be extended to additional residences, including rental properties Targeted pricing with competitive rates for qualified risks Solutions available for both standard and hard-to-place accounts For example, you might have a client who owns a vacation rental property, drives a luxury sports car, and has a teen driver in the household. This program allows you to offer them a tailored umbrella solution that bridges coverage gaps and provides peace of mind. Underwriting Notes Colonial General understands the diverse needs of personal umbrella clients and works with agents to engineer viable solutions. Driver exclusions and flexible underwriting allow placement of more challenging risks. While no specific minimum premium is listed, the program is competitively priced based on risk characteristics and limits selected. 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 some states, while others may utilize non-admitted/E&S options depending on the risk profile and carrier availability. Why Work With Colonial General? With decades of experience in personal lines and specialty coverage, Colonial General provides expert underwriting, market access, and responsive service to help agents find the right solutions for their clients. Whether you’re placing a standard umbrella or navigating a complex high-net-worth risk, Colonial General has the flexibility and carrier relationships to support you. 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?This program is ideal for clients with higher liability exposures, such as households with youthful drivers, luxury vehicles, recreational equipment, or rental properties. High-profile individuals and farm exposures can also be accommodated. Can this umbrella policy sit over other primary carriers?Yes. Colonial General can provide umbrella coverage even if the underlying homeowners or auto policies are written by another insurer. What coverage limits are available?Umbrella limits range from $1 million up to $10 million, with both primary and excess umbrella options available depending on the risk. Are driver exclusions allowed?Yes. Driver exclusions can be used to help manage risks involving household members with poor driving records. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

... Salvage Yards, Dismantlers, and Utility Trailer Repair Heavy Truck Sales and Repair If you have a client who...

...gricultural use, and municipal or utility support. Coverage Highlights For...

Program Highlights for Ranch Insurance: Colonial General Insurance Agency, Inc. offers a specialized Ranch Insurance program tailored for small to mid-sized farming operations. Whether your insured owns and operates their ranch or leases it to a third party, this program is designed to meet a wide range of property and liability needs with flexible coverage options. Ideal Accounts and Appetite This program is ideal for agents looking to place risks for: Owner-occupied or seasonal/secondary farm and ranch dwellings Tenant-occupied properties with farm/ranch elements Hobby farms or part-time farming operations Clients who lease out land or facilities to third parties Accounts with barns, outbuildings, livestock fencing, equipment, and machinery are all eligible for tailored scheduling of property and personal property coverage. This program is best suited for operations that fall into the small-to-medium farm category, rather than large-scale commercial agriculture. Coverage Highlights and Advantages Coverage is offered on a Basic or Broad form basis, and includes: Comprehensive Personal Liability – Protects the insured against third-party bodily injury and property damage claims. Farm & Ranch Property Coverage – Insures barns, outbuildings, fences, and other structures. Farm & Ranch Personal Property – Covers tools, equipment, tractors, and other machinery. Dwelling and Contents – Offered on a Replacement Cost or Actual Cash Value basis. Flexible Policy Structures Owner Occupied / Seasonal or Secondary – Dwelling and Liability package, with options to schedule Farm & Ranch Property and Personal Property. Tenant Occupied – Dwelling and Loss of Use coverage, with optional scheduled property coverage. Tenant Package – Includes Contents, Loss of Use, and Liability, with options to schedule Personal Property. This flexibility allows agents to tailor policies to fit a variety of client circumstances, from absentee landowners to full-time ranch operators. Underwriting Notes Colonial General works with a variety of carriers to provide competitive solutions, with some admitted markets available depending on the risk and state. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers access to specialty markets that many standard carriers may not accommodate. Underwriting focuses on clean operations with manageable exposures. Risks with significant commercial activity or heavy industrial farming may not be an ideal fit. Territories and Availability This Ranch Insurance 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 Insurance Agency, Inc. brings decades of niche underwriting experience and market access to support independent agents placing hard-to-place or specialty ranch risks. Their flexible program design and regional expertise make them a strong partner for agents working with rural clients or agricultural properties that don't fit within standard homeowners or commercial policies. You can count on responsive service, customizable options, and a team that understands the unique exposures of farm and ranch operations in the Western U.S. Frequently Asked Questions What types of accounts are a good fit for this Ranch Insurance program?The program is ideal for small to mid-sized owner-occupied, tenant-occupied, or seasonal ranch or farm properties. It’s suitable for clients who operate their own ranch or lease their land to others. Can I schedule specific farm property like barns and machinery?Yes, the program allows you to schedule Farm & Ranch Property and Farm & Ranch Personal Property such as barns, fences, machinery, and tools. Is this program available in admitted markets?Some admitted markets are available depending on the risk and state. Colonial General also utilizes excess and surplus lines markets for more specialized accounts. Which states is this program available in?The Ranch Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What makes Colonial General a good partner for ranch coverage?Colonial General offers flexibility, niche expertise, and access to multiple markets, making it easier for agents to place rural property risks that don't fit standard programs. Need help placing an account? Connect with a market specialist.