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Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Alarm and Car Stereo Installation Insurance program built for professionals who install vehicle alarms, stereo and audio-visual systems, and related electronics. The program is designed for both fixed-site shops and mobile installers, addressing the specific liability and garage exposures that arise when technicians work on customer vehicles or transport them for service. Overview of the Program From Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents and brokers with access to broad garage-related liability markets and specialty programs. This Alarm and Car Stereo Installation program fills gaps left by standard general liability by combining garage liability, Garage Keepers protections, and optional property and physical damage coverages — useful for accounts handling high-value vehicles, aftermarket electronics, or mobile operations. Ideal Accounts and Appetite This program is best for contractors and businesses that focus on installation and service rather than manufacturing or wholesale distribution. Typical classes include: Automobile alarm and security system installers Car stereo, navigation and in-car audio-visual system installers Shops that perform aftermarket electronic upgrades and integrations Mobile installation and on-site service providers Preferred accounts have clear safety protocols, secure storage for customer vehicles and equipment, and a clean or manageable loss history. Accounts that primarily manufacture electronics, operate large-scale retail distribution, or present unusual garage exposures should be discussed with underwriters before submission. Coverage Highlights and Advantages Commercial Garage coverages available include: Aggregate liability capacity up to $3,000,000 Garage liability limits up to $1,000,000 per occurrence Medical payments coverage (example: $5,000 available) Garage Keepers coverage on a primary basis with specified causes of loss Fire legal liability and Dealers Physical Damage options False pretense coverage and broadened coverage endorsements In-transit coverage for towing and vehicle movement exposures Optional property coverage for business personal property and tools These features are intended to protect your insureds from exposures such as customer-vehicle damage during installation or test drives, theft of installed equipment, fire or vandalism at the premises, and liability arising from installation errors. Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and non-admitted carriers to match coverage to account complexity. Admitted options are available in select states, with E&S placements used where appropriate. Minimum premiums vary by carrier, state, and risk characteristics; accounts with documented safety programs, secure storage practices, and a favorable claims history will generally receive the most competitive terms. For higher-risk or larger accounts, expect additional underwriting requirements such as inventories, photos of premises and vehicles, and written procedures for mobile operations. Territories and Availability This program is currently offered in: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Admitted availability varies by state and carrier. Contact Colonial General to confirm admitted vs. non-admitted placement options for a specific submission. Why Work With Colonial General Colonial General specializes in garage and auto-related niche programs, giving agents access to underwriting expertise and markets that understand the unique risks of aftermarket electronics and mobile installers. Their capacity to place both admitted and non-admitted business, plus flexible coverages like Garage Keepers on a primary basis and in-transit protection, makes this program a practical option for accounts that are difficult to place in standard markets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a strong fit for businesses that install car alarms, stereos, navigation and other aftermarket electronics — including both fixed-location shops and mobile installation services. Is Garage Keepers Coverage included?Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss to protect customer vehicles while in the installer’s care, custody, and control. Are mobile installers eligible for coverage?Yes. Mobile installers are eligible and can be offered in-transit coverage for towing or vehicle movement exposures when applicable; underwriting will review mobile procedures and security controls. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted market availability varies by state and carrier. Can I access both admitted and non-admitted markets through Colonial General?Yes. Colonial General places business in both admitted and non-admitted markets depending on the state and specific account needs. Need help placing an account? Connect with a market specialist.

Technology Industry: All Risks Cyber Risks: All Industries For more than two decades, RPS Technology & Cyber has been a trusted partner for independent agents placing complex technology and cyber liability risks. Their nationally recognized Technology Insurance program delivers specialized, agent-friendly solutions tailored to the evolving exposures of high-tech firms and any business with digital risk. Overview of the Technology Insurance Program RPS underwriters speak the language of technology and cyber risk. They design policies for IT consultants, SaaS providers, software developers, gaming studios, digital publishers, and other tech operations, addressing modern threats such as social engineering, ransomware, data breaches, and denial-of-service attacks. The program also supports non-technology businesses that handle sensitive data or maintain an online presence. Retailers, healthcare providers, financial firms, and manufacturers can all benefit from standalone cyber liability or combined tech E&O and cyber solutions through RPS. Ideal Accounts and Appetite This program is a strong fit for a range of tech and tech-enabled accounts: Software developers, SaaS platforms, and cloud services IT consultants, managed service providers (MSPs), and systems integrators Digital media, online publishers, and content platforms Gaming, entertainment technology, and interactive developers Startups and emerging technology ventures RPS also places cyber liability across all industries for businesses that store or process sensitive customer, employee, or patient data. Example scenarios: You have a client deploying a cloud-based CRM who needs errors & omissions plus cyber incident response coverage. Your insured runs a regional dental practice network seeking HIPAA-aware ransomware and breach response protection. Coverage Highlights and Advantages Customized Tech E&O and Cyber Liability solutions Protection for hacking, malware, phishing, and social engineering losses First- and third-party coverage options, including breach response and business interruption Solutions for both tech companies and traditional businesses with digital exposures Access to top-tier carriers, including Chubb and Great American Underwriting Notes and Minimum Premiums Underwriters evaluate risks based on technology stack, revenue profile, data sensitivity, security controls, and incident history. Minimum premiums vary with account size, industry, and coverage selections; contact RPS for specific underwriting guidelines and pricing guidance. The program accommodates a wide range of account sizes, from startups to mid-sized enterprises. Territories and Availability The Technology Insurance program is available nationwide — all 50 states and Washington, D.C. — and RPS can place business on either an admitted or non-admitted basis depending on state regulations and the insured’s profile. Why Work With RPS Technology & Cyber? As a specialist Managing General Agency, RPS combines deep underwriting expertise with broad market access. Their team helps agents place complex or emerging tech and cyber accounts quickly and with confidence. With over 20 years in the space and relationships with major U.S. carriers, RPS is positioned to help you secure competitive coverage terms for challenging risks. Let RPS Technology & Cyber help you place Technology Insurance and cyber liability for your clients—regardless of industry. Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for tech firms—software companies, SaaS providers, IT consultants, MSPs, and digital media businesses—and also offers cyber liability for non-tech businesses that collect or store sensitive data. Is coverage available nationwide?Yes. RPS offers the Technology Insurance program in all 50 states and Washington, D.C., writing admitted or non-admitted paper as appropriate for the risk. Can I place cyber liability for a traditional business?Absolutely. RPS provides cyber solutions for retail, healthcare, finance, manufacturing, legal, and other industries with online systems or confidential data. What carriers back this program?RPS works with a broad panel of U.S. carriers, including Chubb and Great American, to secure capacity and tailored wording for tech and cyber risks. What is the minimum premium for this program?Minimum premium levels vary by industry, account size, and coverage requested. Contact RPS underwriters for current minimums and underwriting requirements. Need help placing an account? Connect with a market specialist.

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Privacy and Data Breach Insurance Coverage from RPS Technology & Cyber Cyber threats are growing more sophisticated, and many businesses remain underprepared for the financial and reputational fallout of a data breach. RPS Technology & Cyber provides a Privacy and Data Breach Insurance program designed for brokers who need flexible, market-accessible solutions to help their clients recover from cyber incidents caused by malicious actors or human error. As a wholesale broker specializing in cyber liability since 1997, RPS Technology & Cyber places coverage with multiple carriers across the country. Our program offers scalable limits and a combination of first-party and third-party protections that are appropriate for a wide range of industries and revenue sizes. Ideal Accounts and Appetite Small to mid-sized businesses that collect, store, or process customer or employee personal data Retailers (including point-of-sale exposures), healthcare providers, educational institutions, and financial services Professional service firms—law, accounting, consulting—and firms that host client data E-commerce merchants, SaaS providers, and businesses using public-facing email domains or online forms Even businesses with solid IT controls can experience breaches from lost devices, phishing, vendor failures, or ransomware. Examples of accounts that often fit this program: a local medical practice that lost a laptop containing patient records, or a small retailer that experienced a point-of-sale compromise exposing customer payment data. Coverage Highlights and Advantages The RPS Privacy and Data Breach program bundles first-party response costs with third-party liability to address the wide set of expenses and exposures that follow a breach. First-Party Expenses: Privacy notification and consumer remediation costs Crisis management and public relations to protect reputation E-business interruption and contingent business interruption Loss from e-theft and unauthorized e-communications Incident response, forensics, and e-threat mitigation Remediation for e-vandalism and data restoration Third-Party Liability Coverage: Claims for disclosure injury (compromised personal information) Content injury (defamation, copyright issues arising online) Reputational harm and related legal exposure Conduit injury—claims arising from malware transmitted to others Impaired-access injury from denial-of-service or availability failures Together these features help manage regulatory notices, defense and settlement costs, vendor and customer claims, and the operational expenses of responding to an incident. Underwriting Notes Underwriters look for concise, practical information to evaluate submissions. Typical factors include: Annual revenue and number of employees Industry, lines of business, and the sensitivity of data handled Current cybersecurity controls: encryption, MFA, endpoint protection, backups Incident history, vendor relationships, and use of cloud services The program is designed to be flexible and scalable. Minimum premium requirements vary by carrier and by the specifics of each submission—provide full loss-control details to improve placement prospects. Territories and Availability Available nationwide: all 50 states and Washington, DC. RPS can place admitted and non-admitted options through its carrier relationships depending on the client’s needs and the state-specific regulatory environment. Why Work With RPS Technology & Cyber? RPS Technology & Cyber specializes in cyber liability placement and has worked with agents and brokers since 1997. You’ll get access to multiple markets and tailored submission strategies—helpful when accounts require specific limits, specialized endorsements, or coordinated incident-response resources. Our team can guide you through underwriting expectations and help match client exposures to the most appropriate carrier appetite. Contact us or visit our company profile to learn more about placing Privacy and Data Breach Insurance with RPS Technology & Cyber. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include small to mid-sized businesses that collect or store customer or employee data, especially in sectors like healthcare, retail, education, finance, and professional services. Is this program available in all states?Yes, the Privacy and Data Breach Insurance program from RPS Technology & Cyber is available in all 50 states and Washington, DC. What coverages are included for a data breach event?The program includes first-party expenses like notification costs, crisis response, and e-business interruption, as well as third-party liability for issues like disclosure or reputational injury. What underwriting details are required for submission?Underwriters typically require information about the business’s revenue, employee count, operations, and existing cyber security safeguards. Why should agents work with RPS Technology & Cyber?RPS has specialized in cyber risk since 1997 and offers access to multiple carriers, competitive coverage options, and expert support throughout the placement process. Need help placing an account? Connect with a market specialist.