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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Contractors Equipment Rental Insurance program designed for operations that rent out equipment with an operator. Whether your insured is renting equipment on an hourly, daily, weekly, or monthly basis, this program provides both Property and Liability Coverage tailored to the unique exposures of this niche industry. Ideal Accounts and Appetite This program is ideal for contractors and rental companies that provide construction or heavy equipment along with an operator for use at job sites. These operations often face increased liability risks due to the presence of an employee operating the machinery. Common target classes include earthmoving, grading, crane operations, and other heavy equipment services used in commercial or residential construction projects. You might have a client who rents out backhoes or bulldozers with trained operators for excavation jobs. Another good fit could be a crane rental company providing lifting services for large construction sites. These types of businesses are a strong match for Colonial General’s offering. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 per occurrence/aggregate Additional Interests—$100 each $5,000 Medical Payments Coverage—Included Excess or Umbrella Limits available up to $25,000,000 Minimum $1,000 deductible required Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form Building and Business Personal Property Contractor’s Equipment and Equipment Breakdown Computer Equipment Business Income and Outside Signs Replacement Cost or Actual Cash Value (ACV) Valuable Papers Crime Coverage: Inside the Premises—Theft of Money and Securities Robbery or Safe Burglary of Other Property (Inside the Premises) Outside the Premises coverage also available Underwriting Notes and Minimum Premiums Coverage is available on a mono-line or package basis, and all submissions require a minimum $1,000 deductible. Each account is underwritten based on the nature of the equipment, operator qualifications, and job site exposures. While minimum premium details are not published, agents should expect competitive pricing for qualifying risks. 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), and Wyoming (WY). Some markets are admitted, while others may be offered on a non-admitted basis depending on state availability and risk profile. Why Work With Colonial General Insurance Agency? As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in contractor-related risks and access to a wide range of carriers. Their experienced underwriting team understands the complexities of equipment rental with operator exposures and offers flexible coverage options tailored to your client’s operations. With access to both admitted and non-admitted markets, Colonial General is well-positioned to help agents place hard-to-insure or specialized accounts confidently and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include contractors and rental operations that provide equipment with operators, such as crane rental services, excavation companies, and construction firms using heavy machinery. Is this program available for accounts that only rent equipment without an operator?No, this program specifically targets equipment rental operations that include an operator as part of the rental service. What states is this insurance program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both Property and Liability coverages required?No, the program offers coverage on a mono-line or package basis, depending on your client’s needs. What underwriting details are needed for a quote?Underwriters will typically need details on the equipment types, operator experience, rental duration, and job site locations to provide an accurate quote. Need help placing an account? Connect with a market specialist.

Insurance for Aviation Pilots, Training Facilities, Aircraft Owners, and Renters Prime Insurance Company offers tailored Aviation Liability Insurance solutions designed for the unique risks faced by aviation professionals and businesses. Whether your client is a student pilot, a certified flight instructor, an aircraft renter or owner, or a hangar operator, Prime can help you place coverage that addresses their specific liabilities and operational gaps. Overview of the Program From Prime Insurance Company As a Managing General Agency with specialty liability expertise, Prime Insurance Company provides access to non-admitted Aviation Liability Insurance solutions across all 50 states and Washington, D.C. The program is built to serve accounts that can be difficult to place in standard markets — higher-exposure operations, accounts with prior losses, mixed operations (training + rental), and other nuanced liabilities requiring flexible underwriting. Ideal Accounts and Appetite This program is well-suited for a broad range of aviation-related risks, including: Pilots — private, commercial, and student pilots seeking individual liability protection Flight instructors and pilot training facilities Aircraft renters and private aircraft owners Rental, charter, and on-demand operators (subject to underwriting) Hangar owners/operators and maintenance providers Examples of accounts you might place here: a flight school that needs instructor and student liability coverage separate from its hull policies, or a private-owner who rents aircraft and wants primary liability coverage for occasional renter operations. Coverage Highlights and Advantages Prime's Aviation Liability program can include a range of tailored liability solutions to close common coverage gaps: Individual Liability — policies for pilots and instructors to protect personal liability exposures during flight or instruction. Products Liability — protection for parts suppliers, placers, and those manufacturing aviation components. Maintenance A&P Liability — coverage for Airframe & Powerplant mechanics performing repairs, inspections, and maintenance. Hangar General Liability — liability protection for hangar owners/operators providing storage, ground handling, or limited servicing. The program is designed to identify and close gaps — for example, when an instructor discovers they are not listed on a facility policy, or when a rental agreement leaves the renter with limited protection. Underwriting Notes and Minimum Premiums Prime underwrites accounts that may be outside standard market appetites, including those with prior losses or more complex operations. Underwriting is risk-specific and flexible; minimum premium requirements vary by risk class, aircraft type, operation, and limits requested. Present complete operations details and loss history to get the best response from underwriting. Territories and Availability This Aviation Liability program is offered on a non-admitted basis and is available nationwide — all 50 states and Washington, D.C. If you need multistate or multi-jurisdiction solutions, Prime can underwrite coordinated placements to match your client's operating footprint. Why Work With Prime Insurance Company Prime Insurance Company is known for flexible underwriting, pragmatic risk assessment, and faster turnaround on specialty liability placements. Working with Prime gives you: Customized policies for varied aviation exposures Non-admitted solutions for hard-to-place business Underwriters familiar with aviation operations and technical exposures Nationwide availability through the MGA platform Partner with Prime Insurance Company through our CompleteMarkets profile to access this and other specialty liability programs. Frequently Asked Questions What types of accounts are a good fit for this aviation program? This program is ideal for pilots, instructors, aircraft owners and renters, maintenance providers, hangar operators, and training facilities — especially accounts with unique exposures or that are hard to place in admitted markets. Is this program available in all states? Yes. Prime offers this Aviation Liability Insurance program on a non-admitted basis in all 50 states and Washington, D.C. Can you write coverage for student pilots or pilot training facilities? Yes. The program provides solutions for student pilots and training facilities, including instructor liability and policies designed to fill coverage gaps that facility policies may not address. What types of liability coverage are available? Available coverage includes individual liability, products liability, A&P maintenance liability, and general liability for hangar operations. Specific terms depend on underwriting and the operation’s exposure. Do you offer solutions for insureds with prior claims or unusual risks? Yes. Prime specializes in underwriting risks that may not qualify for standard markets, including accounts with prior losses or atypical operations. Provide full loss history for the most accurate consideration. Need help placing an account? Connect with a market specialist.

...quipment • ATVs • Personal Watercraft Coverage can be customized ...lf cart equipment, ATVs, and personal watercraft. Need help placing an accou...

... Plastics Printing Presses Sporting Goods (excluding football helmets ...

...wellings, including single-family rentals and duplexes Landlords seeking Les...residential dwellings: single-family rentals, duplexes, triplexes, and fourple...