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...ard to moderate risk. Convenience stores with steady foot traffic, fuel sales,...s program?In addition to convenience stores, we accept a wide range of retail classes including clothing stores, gift shops, nail salons, bicycle ...

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Alarm and Car Stereo Installation Insurance program designed specifically for professionals who install car alarms, stereo systems, and related audio-visual equipment. This program is tailored to meet the unique risks associated with working on client vehicles, whether at a fixed site or through mobile operations. Overview of the Program From Colonial General As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents and brokers with access to comprehensive garage-related liability coverages. This program is ideal for accounts that require more than just general liability, offering extensive protection for installers handling high-value vehicles and equipment. Whether your client operates a small garage or offers mobile installation services, this program delivers flexible and competitive coverage options. Ideal Accounts and Appetite This program is specifically designed for: Automobile alarm and security system installers Car stereo and audio-visual system installers Shops offering aftermarket electronic upgrades Mobile installation services Ideal risks include businesses with a clean loss history, proper risk management protocols, and operations focused on installation rather than manufacturing or wholesale distribution. Coverage Highlights and Advantages Commercial Garage Coverage Includes: Up to $3,000,000 Aggregate Liability Garage Liability Limits up to $1,000,000 per accident $5,000 Medical Payments coverage Garage Keepers Coverage on a Primary basis with specified causes of loss Fire Legal Liability Dealers Physical Damage False Pretense Coverage Broadened Coverage endorsements available In-Transit Coverage for towing operations Optional Property Coverage These coverages are designed to protect against exposures such as damage to customer vehicles, theft, fire, and liability arising from installation errors or accidents during test drives or transit. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to secure the right fit for your client’s needs. Admitted markets are available in select states, with access to non-admitted options when needed. While minimum premiums vary by account and location, risks with solid safety practices and clean histories are preferred. 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) Admitted status varies by market and state—contact Colonial General for specifics on availability in your client’s location. Why Work With Colonial General Colonial General brings niche expertise in garage and auto-related risks, offering agents and brokers access to competitive markets and responsive underwriting. Their focus on specialty programs allows you to confidently place tough-to-insure accounts like custom audio installers or mobile alarm technicians. With broad coverage options and a knowledgeable team, Colonial General helps you deliver value and protection to your clients in a high-risk segment. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for businesses that install car alarms, stereo systems, and other aftermarket electronic upgrades, including mobile installation services and fixed-location garages. Is Garage Keepers Coverage included?Yes, Garage Keepers Coverage is provided on a primary basis with specified causes of loss, offering protection for customer vehicles in the installer’s care. Are mobile installers eligible for coverage?Yes, mobile installation operations are eligible, and In-Transit Coverage for towing operations is available when applicable. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted markets varies by state. Can I access both admitted and non-admitted markets through Colonial General?Yes, Colonial General offers access to both admitted and non-admitted markets, depending on the state and specific account details. Need help placing an account? Connect with a market specialist.

Capitol Special Risks specializes in the fast-paced and evolving world of technology. We understand the unique exposures tech companies face and offer tailored solutions through our Technology Professional Liability Insurance program. Whether you're placing a solo IT contractor, a small consulting firm, or a larger tech staffing agency, we provide the coverage options and underwriting expertise to meet your clients' needs. Comprehensive Technology E&O Coverage Capitol Special Risks offers a broad and flexible Technology Professional Liability program designed to address the complex risks facing technology professionals and service providers. This program is suitable for a wide range of tech-based operations, including: Software developers and programmers IT consultants and managed service providers Data hosting and cloud solution providers Web developers and digital marketing firms Technology staffing and placement agencies We offer solutions for both admitted and non-admitted business, depending on the state and risk profile. Key Coverage Highlights Our program includes a wide range of optional coverages to help protect your clients from evolving cyber and professional liability exposures: Technology and Multimedia Coverage – Includes liability assumed under contract Breach Response Costs – Coverage available outside the policy limits Voluntary Notification Costs – Available to help manage incident response Network Asset Protection – Triggers include accidental damage, operational errors, and cyberattacks Worldwide Coverage – Claims can be brought from outside the U.S. Third-Party Data Exposure – Covers data stored with IT outsourcers and independent contractors Electronic Data Protection – Property Damage exclusion does not apply to electronic data Confidential Business Data Coverage – Includes commercial and corporate information Employee-Related Privacy Claims – Covers acts by rogue employees and employee privacy claims Extended Reporting Period – Available for up to 3 years Underwriting and Minimum Premiums Minimum premiums vary depending on the size, scope, and risk profile of the insured. We work closely with agents to provide fast turnaround times and competitive terms. We never charge a broker fee, helping you stay competitive while offering robust protection to your clients. Available Nationwide Capitol Special Risks' Technology Professional Liability Insurance is available in most U.S. states, including but not limited to CA, TX, FL, NY, IL, GA, and WA. Some coverages are written on an admitted basis in select states. Why Work With Capitol Special Risks? As a wholesale broker with deep expertise in the technology sector, Capitol Special Risks brings decades of experience and access to multiple carriers. We speak the language of tech and understand the nuances of contracts, data exposure, and liability that your clients face daily. With no broker fees, responsive service, and tailored coverage options, we help you confidently place complex tech accounts. Contact us today to discuss your Technology Professional Liability Insurance needs. Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include IT consultants, software developers, tech staffing firms, web designers, and managed service providers. Is coverage available for clients with operations outside of the U.S.?Yes, the program offers worldwide coverage, allowing claims to be brought from outside the United States. Can I get coverage for third-party data stored with contractors?Yes, the program includes broad coverage for data stored with third parties, including IT outsourcers and independent contractors. Are acts by rogue employees covered under this policy?Yes, coverage extends to acts committed by rogue employees, as well as privacy claims brought by employees. What is the turnaround time for quotes?Capitol Special Risks offers fast turnaround times and expert underwriting support to help you place business efficiently. Need help placing an account? Connect with a market specialist.

...rds. [VIDEO] Erin Herson, Director of Sales &...

...and cable installation, home audio/video and networking, telephone and low-vol...