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Specialized Water Sports Insurance From Prime Insurance Company Water sports are exciting—but they come wit...g?Yes. Prime considers many high-risk water sports activities, including hydro flyin...

DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.

...rs targeted coverage solutions for water truck operations through its Water Truck Insurance program. This program...orks, and landscape contractors using water trucks for dust control, compactio...

... regional operator offering exotic sports cars for weddings and film productio...d luxury vehicles—whether short-term rentals, fleet operations, or peer-to-pee...

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.

Sports Clinic Insurance — Colonial General ...es for non-contact or limited-contact sports (for example soccer, baseball, vo...

... coverage for short-term vacation rentals?Yes. Short-term vacation rental expo...

... 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...