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...ort the growing needs of solar and wind energy professionals. Ideal Accounts ... is this program available?The Solar Energy Insurance program is available in ...

Wind Deductible Buyback Insurance Coverage ...s including AL, FL, LA, TX, and other wind-prone coastal regions. Refer to the...

... Design Professionals Florida Wind Gov. Service Contractors (8a) Mino...ry capacity such as cannabis, Florida wind, or motor truck cargo. How do I sub...

... Builder’s risk coverage including wind options in the Southeast Warehouse...coverage for builder’s risk including wind in coastal areas?Yes, builder’s risk coverage is available, including wind options in the Southeast United Sta...

Program Highlights for Vacant Dwelling Insurance: Managing vacant dwelling insurance can be a challenge, especially when traditional markets decline or non-renew policies. At Colonial General Insurance Agency, Inc., we make it easier for agents and brokers to find flexible, reliable solutions. Our Vacant Dwelling Insurance program is designed for properties that are temporarily unoccupied, undergoing renovation, or in transition between tenants or owners. Ideal Accounts and Appetite We specialize in placing coverage for dwellings that fall outside the standard market appetite. Our program is an excellent fit for: 1-4 family residential properties Vacant or unoccupied homes Dwellings undergoing renovations Homes with prior cancellations or non-renewals Properties with low or high insured values Builders risk exposures You might have a client with a recently inherited home that’s currently unoccupied, or a homeowner preparing to renovate a property before moving in. These are ideal fits for our program. Coverage Highlights and Advantages We offer flexible policy terms and a variety of coverage options to meet your insureds’ needs: Fire Extended Coverage Vandalism and Malicious Mischief Special Form—DP-3 Premises Liability Option Mono-line Premises Liability available Policies can be tailored with annual terms or shorter durations—3, 6, or 9 months—depending on the situation. Deductible options are also available to help manage premium and exposure. Underwriting Notes and Minimum Premiums We work with a range of carriers and underwriting partners, allowing us to consider a broad spectrum of risks. Whether your client has a clean history or a challenging risk profile, we can help find a solution. Our markets include both admitted and non-admitted options, depending on the risk and state. Territories and Availability This program is available in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep expertise in hard-to-place residential property risks. We understand the nuances of vacant property exposures and offer flexible, responsive service to help you place business quickly. Our strong carrier relationships and regional focus allow us to craft solutions where others may not. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for 1-4 family dwellings that are vacant or unoccupied, under renovation, or have been cancelled or non-renewed by standard markets. Can you write short-term policies?Yes, we offer flexible terms including 3-, 6-, 9-month, and annual policies to accommodate different vacancy timelines. Do you offer liability coverage for vacant properties?Yes, we provide premises liability options, including mono-line liability if property coverage is placed elsewhere. Are properties under renovation eligible?Yes, properties undergoing renovations are eligible and can be written under this program, subject to underwriting. Which states is this program available in?The Vacant Dwelling Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...omplex exposures found in telecom, wind-energy, and water-storage tower constr...s and tower service firms in telecom, wind energy, and water storage sectors—especia...

Policy Highlights: Colonial General Insurance Agency, Inc. offers an Equipment Breakdown Insurance program that helps you add essential protection to your clients’ property placements. This coverage fills gaps common to standard property policies by addressing losses from mechanical or electrical failure, steam explosions, pressure-vessel breakdowns, and related causes. It’s an easy way to enhance property quotes, reduce client downtime risk, and limit your own E&O exposure by rounding out accounts. Ideal Accounts and Appetite This program targets small- to mid-sized commercial property accounts that rely on mechanical, electrical, or pressure equipment. Typical fits include: Retail centers and strip malls with HVAC systems and refrigeration units Medical and dental offices with diagnostic or sterilization equipment Restaurants and food service operations with refrigeration and cooking systems Office buildings with servers, telecommunications gear, and electrical infrastructure In short, if a client depends on equipment whose failure would cause costly repairs or business interruption, this program is worth considering. Example scenarios: You might have a restaurant client facing high replacement costs if a walk-in freezer fails, or an office building where server downtime would disrupt multiple tenants—both are good candidates for Equipment Breakdown coverage through Colonial General. Coverage Highlights and Advantages Key coverages include: • Protection for five common property exclusions: Mechanical breakdown Artificial electrical disturbance Steam explosion Breakdown of steam vessels and piping Breakdown of hot water vessels and piping • Covers direct physical damage to covered equipment and indirect losses such as business interruption or extra expense • Resultant property damage to other covered property is included • Statutory and jurisdictional inspections are provided at no additional cost • Helps reduce your professional liability by filling gaps in property placements • Simple to bundle with other policies — streamlined quoting and competitive pricing add value for clients Types of Equipment Typically Eligible Electrical: transformers, motors, switchboards, circuit breakers, bus ducts Air Conditioning & Refrigeration: compressors, fans, coils, piping, vessels Boilers & Pressure Vessels: cookers, sterilizers, heating or process boilers Computers & Communications: servers, phone systems, environmental controls Mechanical: pumps, turbines, blowers, engines, gear sets Underwriting Notes and Premiums Colonial General supports straightforward underwriting with tiered flat-charge pricing based on total property limit per location. Annual premiums can be prorated if coverage is added midterm, which makes it easy to place on existing accounts. Rates are competitive for the market segments described above. Underwriting will focus on the condition, age, and maintenance of covered equipment, existing loss history, and exposure to overheating, corrosion, or poor installation practices. Accounts with well-documented maintenance programs and up-to-date inspections typically receive the best terms. Territories and Availability This program is available to agents and brokers in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; carrier options and placement (admitted vs. E&S) vary depending on the insured’s location and specific risk profile. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep niche expertise with flexible market access. Their underwriting team is responsive and experienced in placing specialized or harder-to-place risks. That combination helps you round out property accounts, reduce client disruption, and provide meaningful coverage enhancements without excessive complexity. If you want to boost value for clients who depend on critical equipment—and reduce your own placement risk—this Equipment Breakdown program from Colonial General is a practical option to consider. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial property risks that depend on mechanical, electrical, or pressure-based equipment—such as offices, restaurants, retail centers, and healthcare facilities—are well-suited for this coverage. Does this coverage include inspections?Yes. Statutory and jurisdictional inspections are included at no additional cost to the insured, which helps with compliance and risk reduction. Can this coverage be added midterm?Yes. Coverage can be added midterm, and annual premiums may be prorated based on the effective date and property limits. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Is this coverage available on an admitted basis?Some admitted markets are available depending on location and risk profile. Colonial General will work with you to determine the best placement for each account. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Exercise Studio Insurance program designed for a wide range of health and fitness businesses. This program provides comprehensive Property and Liability coverage on a mono-line or package basis, making it flexible and easy to tailor to your clients’ needs. Ideal risks include exercise equipment clubs, aerobic studios, weightlifting gyms, personal trainers, massage parlors, dance studios, and physical therapists. Childcare services offered on premises for club members are also covered. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary Limits available up to $3,000,000 per occurrence / aggregate Liquor Liability (where applicable) Hired and Non-Owned Auto coverage Excess or Umbrella Limits up to $25,000,000 Included Endorsements and Features: Medical Payments Coverage – $5,000 Limit Blanket Additional Insured Endorsement Club Members included as Additional Insureds Errors and Omissions Coverage – up to policy limits Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (optional higher limits available) No deductible required Loss Prevention Brochure provided Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown and Food Spoilage Inland Marine and Valuable Papers Outside Signs Accounts Receivable Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property – Inside the Premises Theft and Robbery – Outside the Premises Ideal Accounts and Appetite This program is an excellent fit for small to mid-sized fitness-related businesses that require both liability and property protection. You can confidently place accounts such as: A suburban dance studio with part-time instructors and a modest inventory of sound equipment A boutique personal training gym offering massage services and member childcare A yoga or Pilates studio looking for Errors and Omissions and Abuse & Molestation coverage Businesses offering high-risk activities like rock climbing or martial arts may fall outside of appetite—check with underwriting for clarification. Underwriting Notes Colonial General works with a range of carriers (markets vary) and can access both admitted and non-admitted options depending on the account and state. No deductible is required for standard policies, and abuse coverage can be increased upon request. Minimum premiums may vary—contact underwriting for specifics on your client’s risk profile. Territories and Availability This Exercise Studio Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers deep experience in niche commercial programs. Their Exercise Studio Insurance program is structured to help agents efficiently place fitness and wellness business with tailored coverage options and competitive limits. From streamlined underwriting to value-added resources like loss prevention materials, Colonial General supports agents in delivering strong solutions for fitness-related risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include exercise studios, personal training gyms, dance studios, massage parlors, and physical therapy offices. Facilities that offer member childcare or wellness services are also eligible. Is childcare coverage included in the policy?Yes, coverage is available for childcare provided to club members while on the premises, subject to underwriting approval. Can I get Abuse and Molestation coverage with higher limits?Yes, the standard policy includes $25,000 per claim and $50,000 aggregate, but higher limits are available upon request. In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available for General Liability?Primary limits up to $3,000,000 occurrence/aggregate are available, with excess or umbrella coverage up to $25,000,000. Need help placing an account? Connect with a market specialist.

Program Highlights for Farm Insurance: Colonial General Insurance Agency, Inc. offers a Farm & Ranch Insurance Program designed for small to mid-sized farms across the Western U.S. The program handles owner-occupied operations as well as properties rented to third parties. Coverage options are flexible so you can tailor a package for seasonal residences, tenant-occupied farms, or active family operations. Ideal Accounts and Appetite This program is a good fit for agents placing: Small to mid-sized farms and ranches (crop, livestock, hobby farms) Owner-occupied dwellings where farming is the primary activity Seasonal, secondary-use, or part-time farm properties Tenant-occupied farm dwellings and leased hobby farms Example accounts you might submit: a client who leases a hobby farm in Colorado and needs liability and scheduled farm property, or a part-time ranch owner in Utah who needs dwelling coverage while on-site seasonally. Coverage Highlights and Advantages Key coverage features Basic or Broad form property options Comprehensive personal liability coverage for farm-related exposures Coverage for Farm & Ranch structures — barns, fences, corrals, and outbuildings Farm & Ranch personal property protection for tools, equipment, and small machinery Dwelling and contents available on Replacement Cost or Actual Cash Value basis Flexible policy structures Owner-occupied / Seasonal: Dwelling and Liability package with optional scheduled Farm Property and Farm Personal Property Tenant-occupied: Dwelling and Loss of Use with optional scheduled Farm Property Tenant package: Contents, Loss of Use, and Liability with optional scheduled Farm Personal Property Underwriting Notes Colonial General works with multiple admitted and non-admitted markets to find the right placement for each account. Underwriting is case-by-case: the program is designed to be flexible around farming operations, seasonal occupancy, and tenant situations. Provide complete details about operations, structures, values of farm property, and any hired/contract labor to get the most accurate quote. Territories and Availability The Farm & Ranch program is available in these states: Arizona (AZ) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings focused expertise in farm and ranch risks. Agents get responsive underwriting, access to a range of markets (admitted and non-admitted where available), and the ability to tailor coverages for seasonal, tenant, or owner-occupied farms. The MGA structure helps when accounts need flexible terms or access to specialty capacity. Frequently Asked Questions What types of accounts are a good fit for this farm insurance program?This program is ideal for small to mid-sized farms, including owner-occupied, seasonal, and tenant-occupied properties across AZ, CO, ID, NV, NM, UT, and WY. Can I write coverage for tenant-occupied farm dwellings?Yes. Colonial General offers options for tenant-occupied farms, including coverage for the dwelling, Loss of Use, and scheduled farm property. Are both personal and business farm property covered?Yes. The program includes options for both Farm & Ranch structures (barns, fences) and Farm Personal Property (tools, machinery, small equipment). Is this program available on an admitted basis?Some markets within the program are admitted; availability depends on the state and the specific account. Colonial General can also place accounts in non-admitted markets when necessary. What carriers does Colonial General work with for this program?Carrier availability varies by state and account. Colonial General partners with a range of admitted and E&S markets to provide competitive options for farm and ranch risks. Need help placing an account? Connect with a market specialist.