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Comprehensive Insurance for Parking and Valet Operators The Parking and Valet Operators Insurance Program from U.S. Risk Insurance Group, Inc. is a specialized solution designed for businesses that handle customer vehicles in any capacity. Whether your client operates a self-parking garage, offers assisted or valet parking, or provides parking services for special events, this program can help protect them from key liability exposures tied to their operations. Ideal Accounts and Target Classes This program is best suited for: Valet parking companies serving restaurants, hotels, hospitals, or event venues Operators of self-parking garages and surface lots Event parking services, including temporary or pop-up parking setups Private parking facility management companies If you have a client who manages a commercial garage in an urban center or a firm providing valet services during large-scale events, this program is designed with their risks in mind. Coverage Highlights and Advantages U.S. Risk offers a broadened ISO-based form tailored specifically for parking and valet exposures. Key coverage features include: General Liability: General Aggregate Limit (per location): $2,000,000 Premises/Operations Limit: $1,000,000 Products/Completed Operations Aggregate: $1,000,000 Personal and Advertising Injury: $1,000,000 Damage to Premises Rented: $100,000 (limits up to $500,000 available for additional charge) Medical Payments: Excluded Garagekeepers Legal Liability: Up to $250,000 per vehicle Up to $1,000,000 per location Policy Aggregate Limit: $5,000,000 Extended coverages are available through the Garage and Valet Parking Operators Coverage endorsement. Optional enhancements include Hired and Non-Owned Auto Liability and Parking Operators Professional Liability. Underwriting Guidelines and Minimum Premium This program features a minimum self-insured retention of $5,000 (except $10,000 for vehicle theft) and a minimum premium starting at $15,000. U.S. Risk underwriters evaluate each risk individually, focusing on operational controls, loss history, and vehicle storage protocols. Territories and Market Access Available in most U.S. states, including CA, FL, TX, NY, IL, and others, this program is written through a variety of carriers with most placements in admitted markets. For a full list of eligible states, refer to the state availability section above. Why Work With U.S. Risk Insurance Group As a leading Managing General Agency, U.S. Risk leverages strong carrier relationships and years of experience in niche commercial programs. Their dedicated underwriting team understands the unique liability and property risks associated with parking and valet operations and is equipped to provide responsive service and customized coverage solutions that help agents succeed in placing hard-to-insure accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for valet parking services, self-park garages and lots, event parking companies, and parking operators managing private or commercial facilities. Is Garagekeepers Legal Liability included in this program?Yes, Garagekeepers Legal Liability is included, with limits up to $250,000 per vehicle and $1,000,000 per location, and a $5,000,000 policy aggregate. Are Hired and Non-Owned Auto and Professional Liability coverages available?Yes, these are available as optional endorsements and can be added to tailor coverage to your client's operations. What is the minimum premium for this program?The minimum premium starts at $15,000, with final pricing determined based on risk characteristics and coverage selections. In which states is this program available?The program is available in most U.S. states, including all major markets such as California, Texas, Florida, and New York. Need help placing an account? Connect with a market specialist.

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Policy Highlights for Shopping Center Insurance: Colonial General Insurance Agency, Inc. offers a focused Shopping Center Insurance program for lessor’s risk exposures at strip and neighborhood shopping centers. The program supports monoline or packaged placements and provides flexible options so you can tailor coverage to property owners who lease space to multiple tenants. To be eligible, centers should have a minimum of five retail units and at least 25,000 square feet of automobile parking at each location. These requirements keep the program aligned with larger, higher-traffic retail properties that benefit from broader property and liability protection. Ideal Accounts and Appetite This program is aimed at owners and investors of strip malls and neighborhood shopping centers with a mix of tenants such as dry cleaners, quick-service restaurants, salons, convenience stores, and specialty retailers. Typical accounts are lessor’s risk exposures where the insured maintains the buildings and common areas and leases space to third-party operators. Primary territory: AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General is particularly active in the Southwestern and Mountain West markets and can consider admitted or non-admitted placements depending on the specific risk profile. Example accounts you can place: A retail plaza anchored by a grocery store with multiple inline tenants, where the owner needs building, business income, and liability protection for common areas. A regional investor with several neighborhood centers across the Southwest seeking a consistent program for multiple locations, with options for higher limits and excess coverage. Coverage Highlights and Advantages Property Coverage: • Building coverage on a Replacement Cost or Actual Cash Value basis • Basic, Broad, or Special Form available • Business Income and Equipment Breakdown • Accounts Receivable and Valuable Papers • Computer Equipment and Contents • Coverage for Outside Signs Commercial General Liability: • Primary limits up to $3,000,000 Occurrence / Aggregate • $5,000 Medical Payments included • Additional interests available for $100 each • Excess/Umbrella capacity available (up to $25,000) • No deductible required for GL Crime Coverage: • Inside the Premises – Theft of Money & Securities • Inside the Premises – Robbery or Safe Burglary of Other Property • Outside the Premises coverage available Underwriting Notes and Minimum Premiums Colonial General works with a panel of admitted and non-admitted carriers to provide flexible underwriting solutions. Minimum premiums vary based on center size, location, construction, tenant mix, and loss history. Provide full property details and a complete tenant schedule with rent structure to help expedite placement and receive accurate terms. Territories and Availability This program writes in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on location and exposure; non-admitted options are accessible through Colonial General’s market access for more complex or higher-limit accounts. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker with deep experience in commercial property across the Western U.S., Colonial General offers responsive underwriting, broad market access, and flexible package options. Their team is familiar with complex retail exposures and can help you structure coverage for lessor’s risks, coordinate excess limits, and place accounts that need admitted or E&S solutions. Frequently Asked Questions What types of accounts are a good fit for this program?Shopping centers with at least five retail units and a minimum of 25,000 sq. ft. of parking. Common tenants include dry cleaners, restaurants, convenience stores, and service-oriented retailers. Is this program available on an admitted basis?Some admitted markets are available depending on the risk and location. Colonial General also places accounts with non-admitted carriers when needed to secure capacity or higher limits. Can I write monoline coverage or does it have to be a package?Both monoline and package options are available, so you can tailor the policy structure to your client’s exposures. What are the minimum premium requirements?Minimums vary by center size, construction, tenant mix, and location. Contact Colonial General with full property and tenant details for underwriting guidance. Which states is this program available in?This Shopping Center program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Colonial General Insurance Agency, Inc. offers a targeted Pressure Cleaning Insurance program for agents and brokers placing mobile and on-site pressure washing and related surface-cleaning operations. This program is designed to cover commercial and residential pressure washing of sidewalks, driveways, building exteriors and interiors, mobile equipment cleaning, and off-site auto detailing. Sandblasting using abrasive materials is also considered, giving you a single program option for a broad set of exterior cleaning risks. Ideal Accounts and Appetite This program fits insureds who provide mobile, off-premises pressure cleaning and abrasive sandblasting services. Target classes include: Commercial and residential pressure washing contractors (mobile/on-site) Fleet and mobile equipment washing services Sandblasting operators using abrasive materials Cleaning services for building interiors and exteriors performed away from owned or leased premises Best-fit accounts typically have documented safety procedures, employee training, and clean loss runs. Operations performed from a permanent shop or with substantial on-site storage of equipment may need additional scrutiny — this program is focused on mobile and off-premises exposures. Coverage Highlights and Advantages Colonial General can provide mono-line or package solutions combining property and liability coverages. Key features include: Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage included Property Damage Extension (Care, Custody & Control) with limits up to $250,000 occurrence/aggregate $5,000 Medical Payments Excess or Umbrella limits available up to $25,000,000 Minimum $1,000 deductible on General Liability Crime Coverage: Inside the Premises — Theft of Money and Securities Inside the Premises — Robbery or Safe Burglary of Other Property Outside the Premises Property Coverage: Accounts Receivable, Buildings and Contents Basic, Broad, or Special Form options Business Income and Equipment Breakdown Computer Equipment, Contractor’s Equipment, Inland Marine Outside Signs, Valuable Papers; Replacement Cost or ACV available Underwriting Notes and Minimum Premiums General Liability carries a minimum $1,000 deductible. Minimum premium requirements vary by market and risk profile; Colonial General works with multiple admitted and non-admitted carriers to find the best placement. Favorable outcomes are most likely for accounts with written safety programs, documented employee training, regular equipment maintenance, and loss history that reflects controlled operations. Territories and Availability The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and excess & surplus (non-admitted) markets are used depending on the state, class code, and individual risk details. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General pairs niche underwriting expertise with access to a range of carriers. That combination helps you place specialty pressure cleaning and abrasive sandblasting accounts that might be difficult to place in standard markets. Colonial General focuses on practical underwriting — rewarding documented safety and loss control with broader capacity and flexible limits. Example placements: you might have a client who performs mobile building exterior washing for commercial properties and fleet detailing at customer sites, or a contractor who offers abrasive sandblasting for exterior restoration and pressure washing — both scenarios align with this program when safety protocols and loss history are acceptable. Learn more about Colonial General Insurance Agency, Inc. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include mobile pressure washing contractors, sandblasting services using abrasive material, and cleaning companies handling building exteriors, sidewalks, driveways, and autos away from owned premises. Is this program available for residential cleaning operations?Yes. Residential pressure washing of driveways, sidewalks, and home exteriors is eligible when operations are performed off-site and meet underwriting guidelines. Are sandblasting operations eligible for coverage?Yes. Sandblasting with abrasive materials is eligible under this program, but accounts are evaluated based on safety practices, containment procedures, and operational history. What is the minimum deductible for liability coverage?The program requires a minimum $1,000 deductible for General Liability coverage. Which states is this program available in?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

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