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...gets a broad range of recreational watercraft rental businesses. Eligible clas...options depending on underwriting. Is water sport liability coverage included?Yes, water sport liability coverage is availa...

...ecial districts, public housing authorities and similar public entities. Idea... special districts, public housing authorities, municipal utilities, and pools...

Energy P&C Insurance — Victor O. Schinnerer & Company, Inc. Energy P&C is Victor O. Schinnerer & Company, Inc.’s admitted property & casualty program for energy and utility risks. Underwritten through Arch Insurance Company and administered by Schinnerer as the managing general underwriter, this program bundles core commercial lines tailored for oil, gas and pipeline exposures. Package policies are available to simplify placement for accounts that need multiple coverages under a single policy form. Program coverages Auto (fleet and contractor vehicles) General liability Crime Property (locations, leasehold, equipment) Inland marine (mobile equipment, tools, materials in transit) Excess liability Ideal accounts and appetite This program targets energy-sector operations where admitted placements and a coordinated package are important. Typical fits include: Upstream and midstream oil & gas operators with owned or leased well sites and related equipment Pipeline operations — operators, maintenance contractors and right-of-way exposures Schinnerer’s underwriting focus favors accounts with documented safety programs, routine maintenance records, and clear operational controls. The program is best suited for small to mid-sized operators and contractors whose exposures match the product lines above. Accounts with unusually large environmental liabilities, unresolved regulatory actions, or highly speculative operations may require referral or differenced terms. Coverage highlights and advantages Admitted paper (see availability below) with broad form property and GL options designed for energy operations Ability to package multiple coverages — simplifies billing and claims reporting for insureds Access to Arch Insurance Company capacity via Schinnerer’s MGA platform Inland marine and excess layers available to address equipment and catastrophic exposure gaps Underwriting notes When submitting, provide: Loss runs for the past five years Summary of operations, including number and type of sites, pipeline mileage, and contract work performed Safety and maintenance programs, permits and regulatory status Schinnerer underwriters value clear documentation of controls and loss mitigation. Package pricing and limits are determined case-by-case based on operations, limits requested, and loss history. Territories and availability The Energy P&C program is offered on admitted paper and is available across the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place this business with Victor O. Schinnerer & Company, Inc. Schinnerer combines program underwriting expertise for energy risks with admitted-market capacity through Arch Insurance Company. Agents benefit from coordinated placement of multiple casualty and property lines, experience handling energy-specific exposures, and streamlined package options when insureds prefer a single policy solution. The MGA relationship allows responsive underwriting decisions on standard energy accounts while preserving admitted paper advantages for your clients. Example account scenarios You have a regional pipeline operator with multiple pump stations, company-owned compressor equipment and routine contractor traffic — Energy P&C can provide property, GL and inland marine coverages under an admitted package. You represent a small exploration firm with several well sites and mobile equipment — the program can combine auto, property and excess liability to consolidate limits and reduce administrative complexity. Frequently Asked Questions What types of energy accounts are a good fit for this program?Accounts in oil & gas production, gathering and pipeline operations that need admitted coverage and a multi-line package are the primary target. Small to mid-sized operators and contractors with documented safety programs typically fit best. Which coverages can I package through Energy P&C?The program can combine auto, general liability, property, inland marine, crime and excess liability. Packages are used to simplify administration and ensure coordinated limits across coverages. What submission materials does underwriting expect?Provide current loss runs (typically five years), an operations summary (sites, mileage, equipment), and documentation of safety and maintenance programs. These items speed review and improve placement chances. Need help placing an account? Connect with a market specialist.

Enhanced Freight Brokers' Liability & Contingent Cargo Insurance Coverage Overview — Amwins National Transportation Underwriters The industry specialists at Amwins National Transportation Underwriters (part of Amwins Underwriting) offer a tailored Freight Brokers' Liability & Contingent Cargo program designed for brokers who need contingent protection when their contracted motor carriers are unable to respond. This program combines freight broker auto liability with contingent auto and contingent cargo, plus professional and general liability options to create a broad solution for broker exposures. Available Coverage Freight broker auto liability (no annual aggregate; provides defense outside the limits because it covers the insured's legal liability) Contingent auto liability Contingent cargo Professional liability (E&O) General liability (GL) Policy Limits Freight Brokers Up to $5,000,000 — Freight Broker Auto, GL Up to $1,000,000 — Professional (E&O) Up to $500,000 — Contingent Cargo Long-term Trailer Leasing $1,000,000 — Contingent Auto $100,000 — Off-Lease Physical Damage Ideal Accounts and Appetite This program is a strong fit for freight brokers, third-party logistics providers (3PLs), and broker-dealers who: Contract with small to mid-size carriers without maintaining large insurer controls on every motor carrier Need contingent coverage when a contracted trucker’s insurance is insufficient, unavailable or delayed Require combined protection for broker auto liability, contingent cargo, and professional liability Accounts that typically fit: established freight brokers with formal carrier vetting processes, 3PLs arranging freight across multiple modes, and entities that lease trailers long-term and need off-lease physical damage coverage. Coverage Highlights & Advantages Comprehensive product suite that combines freight broker auto liability with contingent auto and cargo—reducing coverage gaps when a carrier’s policy fails to respond. Freight broker auto liability written to provide defense outside the limits, supporting the insured’s legal defense costs when appropriate. National availability and underwriting that understands transportation-specific exposures. Flexible limits to accommodate a range of broker sizes and risk profiles. Underwriting Notes Amwins focuses on transportation expertise and underwriting discipline. Typical submission requirements include: Completed application and current loss runs Carrier vetting procedures, broker-carrier contracts, and examples of freight movements Details on any trailer leasing arrangements if seeking off-lease physical damage or contingent auto for leased equipment If you have unique structures or large account limits, discuss specifics with the underwriter since capabilities and binding authority vary by state. Territories & Admitted Status Availability: National. Amwins National Transportation Underwriters' capabilities and authority vary by state—see state-specific details and underwriter contacts using the resources below. Program availability includes the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Note: This program is non-admitted in the states listed where admitted markets are not available; state-specific authority and market access can be reviewed on Amwins' capability map. Why Place This Business With Amwins Specialized transportation underwriting and experience placing complex broker and contingent exposures. Product structured to protect brokers from gaps that arise when a contracted motor carrier cannot meet a claim. Competitive capacity and flexible limits for freight broker auto, contingent cargo, E&O and GL—all in one program. Quick Examples You might have a client who is a mid-sized freight broker moving high-value retail freight across multiple states and needs contingent cargo protection in case a contracted carrier’s cargo limit is exhausted. Or a broker that leases trailers long-term and requires contingent auto and off-lease physical damage coverage for those assets. Both scenarios align well with this program. Amwins National Transportation Underwriters aims to combine market access with transportation expertise to give brokers a practical, single-source solution for contingent exposures. Click here to learn more about our program! Amwins National Transportation Underwriters' capabilities and authority vary by state. Click here to view an interactive map with state-specific underwriter contact information, binding authority and program markets, and coverages. Frequently Asked Questions What types of freight broker accounts are the best fit for this program?Mid-size to larger freight brokers and 3PLs that regularly contract with third-party motor carriers, have formal carrier vetting processes, and need contingent coverage for auto liability and cargo gaps are the best fit. Does this program include professional liability (E&O)?Yes. The program can include professional (E&O) coverage with limits up to $1,000,000 as part of the broader package. How does contingent cargo coverage work under this program?Contingent cargo provides protection for the broker when a contracted carrier’s cargo policy is unavailable or exhausted. Limits for contingent cargo are available up to $500,000 under this program. Need help placing an account? Connect with a market specialist.

...000 Special purpose districts (water, sewer, park, tax, fire districts) ...y list—small cities, towns, villages, water/sewer districts, park districts, a...

...uipment Operators Blue and Brown Water Vessels Medical Schools and resorts...classes like container yards, port authorities, boat builders, and marine mech...

...ntractors Utility, sewer & water contractors Senior and military h...drilling, solar, utility, sewer & water contractors, and residential build...

Policy Highlights for Private Investigative Agencies: Colonial General Insurance Agency, Inc. offers a dedicated Private Investigative Agencies Insurance program designed for firms that provide armed or unarmed security personnel (with or without animals), private investigators, polygraphists, process servers, firearms training/certification schools, and claims adjusters with limited draft authority. Property and liability coverages are available on a monoline or package basis through admitted and surplus markets. Overview of the Program from Colonial General This program gives independent agents access to specialized underwriting for investigative and security-related operations across the Mountain West and Southwest. Coverage is placed through a mix of admitted and excess & surplus markets depending on exposure and state—Colonial General acts as a managing general agency and E&S broker to match accounts to appropriate markets. Ideal Accounts and Appetite Stand-alone private investigative firms providing surveillance, background checks, skip tracing, and process serving. Security and patrol companies offering armed or unarmed guards, including K9 units. Firearms training or certification schools, and instructors with documented curricula and safety procedures. Claims adjusters operating with draft authority of $5,000 or less. We typically favor businesses with formal policies, documented training, and clear limits on employee authority. Accounts with high-risk activities (e.g., private military contracting, high-value executive protection with weapons policy gaps, or significant guard force violence claims history) may be declined or require referrals to specialty markets. Coverage Highlights and Advantages Commercial General Liability available with primary limits up to $3,000,000 (occurrence and aggregate). $5,000 Medical Payments coverage included. Additional interests extended—$100 each. Assault & Battery included at policy limits; sub-limits available with a rate adjustment. Errors & Omissions (E&O) coverage part available to address professional liabilities. Lost Key coverage—$25,000 limit on qualifying Security & Patrol accounts. Property Damage Extension (care, custody & control) included at $5,000 / $25,000 limits on Security & Patrol Program placements. Excess/umbrella capacity up to $25 million for larger aggregate needs. Property options: Basic, Broad, or Special forms for building, contents, and business income; replacement cost or actual cash value available. Crime coverage available for inside and outside the premises theft, robbery/safe burglary, and related exposures. Underwriting Notes Underwriters will review training programs, hiring and background screening procedures, use-of-force policies, vehicle operations, and contract language. Key factors that influence pricing and placement include: Degree of armed operations and documented firearms training. Claims and loss history, especially related to assault, battery, or weapons incidents. Whether patrols are stationary or mobile and if animals (K9) are used. Contractual indemnities, client indemnification language, and hold-harmless agreements. Because Colonial General works with both admitted and surplus markets in some states, placement may vary by state and account characteristics. Refer to the company’s underwriting guidelines for additional submission requirements. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier; some classes may be placed admitted where markets permit, while others will be placed non-admitted through E&S facilities. Why Work With Colonial General on Private Investigative Business Colonial General combines specialty underwriting relationships with program-level knowledge of investigative and security risks. Agents benefit from targeted coverage options (including assault & battery and lost key limits), access to excess capacity, and flexible property/crime combinations that fit the common exposures of this sector. A risk management/loss prevention brochure is available to help insureds reduce frequency and severity of losses. Example Fits You might have a mid-size private investigation firm that conducts surveillance and background checks with a small fleet of marked vehicles—this program can package GL, E&O, and business property on one placement. A local firearms training school with certified instructors and written safety protocols may qualify for liability and premises property coverage, with options to add excess limits as class sizes grow. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Private Investigative Agencies program?Firms providing private investigation, process serving, polygraph services, security and patrol (armed or unarmed), K9 units, firearms training schools, and claims adjusters with limited draft authority are good fits—especially those with formal training and documented procedures. Are assault and battery exposures covered?Yes. Assault & battery coverage is included at policy limits; sub-limits may be available with an adjustment to pricing depending on the account’s risk profile and history. Can I place property and crime coverages through this program?Yes. Property coverage (basic, broad, or special form) for building, contents, and business income is available, and crime forms include inside and outside premises theft and robbery/safe burglary options. Which states are eligible for this program?The program writes in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Placement availability (admitted vs. non-admitted) varies by state and carrier. What information should I include with a submission?Provide a current application, loss history, employee screening and training procedures, sample contracts, and details on armed operations or K9 use. Specific requirements are available from Colonial General’s underwriting team. Need help placing an account? Connect with a market specialist.

...als into a food processing plant’s water system, or an HVAC contractor could c...

Policy Highlights: Colonial General Insurance Agency, Inc. provides a dedicated Detective Agency Insurance program for agents placing private investigators, security firms, and related exposures. The program is built to address the specialized risks of private investigators, armed and unarmed security guards, K-9 units, polygraphists, process servers, firearms trainers/certification schools, and claims adjusters with limited draft authority (up to $5,000). It combines flexible liability limits, optional E&O, property and crime solutions, and excess capacity to help you place complex or niche accounts. Ideal Accounts and Appetite This program is well-suited for a range of investigative and security operations, including: Private investigation firms performing surveillance, background checks, skip tracing, or witness location Security companies providing on-site armed or unarmed guard services Organizations using trained animals for patrol or detection duties (K-9 units) Process serving and legal support services Firearms training and certification schools or instructors Claims adjusters with limited draft authority (typically up to $5,000) Colonial General can place both new startups and established firms. Typical fits are operations with formal training, written procedures, and reasonable loss-control measures. Higher-risk operations (e.g., contractors with extensive use of force, high-value executive protection with complex travel exposures, or accounts with significant regulatory or disciplinary history) may require additional underwriting review or alternative placement. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 per occurrence and aggregate $5,000 Medical Payments included Assault and Battery coverage included at policy limits; sub-limits can be selected for premium savings Errors & Omissions (E&O) Coverage Part available to address professional liability exposures Lost Key Coverage—$25,000 limit included for eligible Security and Patrol accounts Property Damage Extension for Care, Custody & Control—options such as $5,000 / $25,000 limits Additional interest reporting—$100 each Excess and umbrella capacity available up to $25 million Access to loss prevention resources and underwriting guidance Property Coverage: Available on Basic, Broad, or Special forms Options for Building, Contents and Business Income coverage Choice of Replacement Cost or Actual Cash Value valuation Crime Coverage: Theft of Money and Securities (inside the premises) Robbery or safe burglary of other property (inside the premises) Coverage for specified loss exposures occurring outside the premises Underwriting Notes and Minimum Premiums Colonial General underwrites these accounts with flexibility and a focus on operational controls. Underwriters evaluate each risk based on operations, training, weapon/force usage, hiring practices, contract wording, loss history, and geographic exposures. Minimum premiums and binding requirements vary by class and state; accounts are reviewed case-by-case to determine the appropriate structure and pricing. Helpful submission items: current applications, sample contracts, client training and hiring policies, loss runs, and details on weapons handling or K-9 certification where applicable. Territories and Availability This Detective Agency Insurance program is currently available in the Western states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General offers admitted and non-admitted placement options depending on the state, risk characteristics, and capacity needs. Confirm availability for a specific account during submission. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep niche expertise and broad market access for investigative and security risks. You gain: Specialized underwriting that understands the operational nuances of private investigators and security firms Access to multiple carriers and excess capacity—useful for layered limits or difficult-to-place exposures Flexible package or monoline options to tailor coverage to each insured’s needs Supportive placement process and loss-control resources to help mitigate exposures and improve insurability Example scenarios that fit well: You might have a mid-sized security company that provides armed on-site guards and wants combined GL, assault & battery, and excess limits; or a private investigation firm that needs general liability plus E&O for surveillance and background-check services. Colonial General can evaluate those accounts and propose tailored solutions. Frequently Asked Questions What types of accounts are a good fit for this program?Private investigators, armed and unarmed security companies, K-9 units, process servers, polygraphists, firearms training schools, and claims adjusters with limited draft authority are typically a good fit. Is Assault and Battery coverage included?Yes. Assault and Battery is included at policy limits; you can request sub-limits to reduce premium where appropriate. Are monoline and package policy options available?Yes. Colonial General offers both monoline and package policy structures to match the client’s coverage needs and budget. In which states is this program offered?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by admitted vs. non-admitted options. Can I get Excess or Umbrella coverage with this program?Yes. Excess and umbrella limits are available up to $25 million for qualifying accounts to provide layered liability protection. Need help placing an account? Connect with a market specialist.