Search CompleteMarkets

Woodworking Insurance — Colonial General Insurance Agency, Inc. Overview of the Program Colonial General Insurance Agency, Inc. offers a dedicated Woodworking Insurance program for agents placing coverage for cabinetmakers, furniture manufacturers, window and door shops, millwork operations and related woodworking contractors. This program provides both property and liability solutions on a mono-line or package basis and can be placed through admitted markets where available or on an excess & surplus basis as needed. Ideal Accounts and Appetite This program works well for small- to mid-sized woodworking and millwork operations that perform design/build, installation and manufacturing for residential and light commercial clients. Typical accounts include: Custom cabinet shops and furniture makers Window and door fabricators and installers Millwork shops producing trim, moulding and architectural components Contractors who both manufacture and install finished goods The program is geared toward operations with standard woodworking exposures (saws, routers, finishing operations, assembly) and reasonable loss histories. It is generally not intended for heavy industrial wood product manufacturers, high-hazard specialty processes, or accounts with frequent/large recent losses. Coverage Highlights and Advantages Underwriters provide flexible options to match the account’s exposures. Key highlights include: Commercial General Liability — Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto coverage available Medical Payments coverage with a $5,000 limit included Additional interests can be named Excess/Umbrella limits up to $25,000,000 Property coverage options: Basic, Broad, or Special form; building, contents, business income Specialized property add-ons: Bailees’ Customer, Contractors’ Equipment, Installation Floater, Accounts Receivable, Valuable Papers Equipment Breakdown and Outside Signs available Replacement Cost or Actual Cash Value valuation Crime coverage options: inside the premises (theft of money and securities), inside premises robbery or safe burglary of other property, and outside the premises Minimum $500 deductible required Underwriting Notes and Typical Submission Requirements Colonial General’s underwriting team evaluates operations by process, revenue mix, and controls. Common factors they consider include finishing operations (spray booths), dust collection and housekeeping, flammable solvent storage, installation exposures, and bailee/customer exposures. To accelerate review, provide a clear description of operations, years in business, estimated annual receipts or payroll, and recent loss history. Underwriters commonly request a completed application and loss runs; they may also ask for photos of the workspace and protection details for facilities using spray finishes or large finishing systems. Territories and Admitted Status This program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places coverage through multiple markets — admitted where offered and excess & surplus lines where necessary. The admitted status varies by state and by carrier ("Some Available Markets"). Why Place Woodworking Business Through Colonial General? Specialized focus — underwriting that understands woodworking operations and the common loss drivers for small and mid-size shops. Flexible placement — access to a range of admitted and E&S markets and ability to package property and liability with ancillary coverages like bailee and installation floaters. Competitive limit options — higher primary limits and significant umbrella capacity for contractors who need broader protection. Responsive underwriting — practical risk mitigation guidance and tailored terms for accounts with standard controls. Example Accounts You might have a client who operates a local cabinet shop with light installation services and modest annual receipts — this program can provide packaged property and liability with bailee coverage for customer goods. Or you could place a larger regional millwork shop that needs higher liability limits, an installation floater and contractors’ equipment coverage while protecting customer property with bailee’s coverage. For submission help or to confirm market availability in a specific state, contact Colonial General’s underwriting desk through your regular wholesale channels. Colonial General acts as a Managing General Agency and Excess & Surplus Lines Broker with multiple carrier relationships. Frequently Asked Questions What types of woodworking accounts are a good fit for this program?The program targets small- to mid-sized woodworking and millwork operations — cabinetmakers, furniture shops, window and door fabricators, and install-focused contractors. Shops with standard woodworking processes and reasonable loss history are preferred. Are admitted markets available or is this E&S only?Colonial General places business in both admitted and excess & surplus markets. Availability depends on state and carrier appetite; some markets are admitted while others are written on an E&S basis. What limits and key coverages can I expect?Commercial General Liability primary limits are available up to $3,000,000 occurrence/aggregate. Excess or umbrella capacity can go up to $25,000,000. Property, bailee’s customer, installation floaters, equipment breakdown and crime coverages are also available. A minimum $500 deductible is required. What underwriting information should I include with a submission?Include a description of operations, estimated annual receipts or payroll, years in business, and current loss runs. Underwriters will also want to know about finishing operations, dust control, storage of flammables, and whether the client performs installations or has bailee exposures. Which states does the program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT and WY. Market availability and admitted status can vary by state. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Cabinet Making Insurance program tailored to woodworking operations of all sizes. Whether your client builds custom cabinets, fabricates doors and windows, or manufactures furniture, this program provides flexible coverage solutions to protect property, liability, equipment, and crime exposures. Coverage can be written on a mono-line or package basis, allowing you to tailor the policy to your insured’s risk profile and operations. Ideal Accounts and Appetite This program is designed for cabinet makers and other woodworking businesses involved in the manufacture, installation, or repair of wood products. Ideal risks include: Small to mid-sized cabinet manufacturing shops Custom woodworking contractors Furniture fabricators Window and door makers The program accommodates single-location workshops as well as contractors with multiple field crews. It is best suited for operations that perform fabrication, finishing, on-site installation, and light to moderate finishing processes. Accounts with extensive heavy manufacturing, high-hazard finishing (e.g., large industrial spray operations without proper controls), or significant outsourced subcontracting should be submitted with full details for underwriting review. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto Liability included Standard included coverages: Medical Payments – $5,000 limit Additional insureds for contractors and project owners Excess or Umbrella limits available up to $25,000,000 Minimum deductible of $500 required Property Coverage Options: Building and contents Business income and interruption Contractors’ equipment and tools Equipment breakdown Installation floaters for on-site work Outside signs Valuable papers and accounts receivable Bailees’ customer coverage Basic, Broad, or Special form options Replacement cost or actual cash value valuation Crime Coverage Options: Inside the premises – theft of money and securities Robbery or safe burglary of property inside the premises Outside the premises coverage for transit exposures Underwriting Notes and Market Access Colonial General places cabinet making and woodworking risks with a variety of admitted and excess & surplus markets. Submission review is case-by-case to ensure appropriate placement and terms. Typical underwriting considerations include the client’s loss history, finishing processes, fire protection and sprinklers, storage of flammable materials, spray booth controls, tools and equipment values, and installation exposure. A minimum deductible of $500 applies. Territories and Availability This Cabinet Making 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 provides underwriting experience and broad market access for niche and hard-to-place woodworking risks. They combine specialty product knowledge with flexible placement options—admitted where available and E&S where necessary—to help you secure appropriate coverage for challenging accounts. Their platform supports package or monoline placements and can layer excess or umbrella capacity when higher limits are needed. Example accounts that fit well with this program: A single-location custom cabinet shop that fabricates, finishes, and installs cabinets and needs property, equipment, and installation floater coverage for on-site work. A regional millwork contractor with crews in the field that requires hired/non-owned auto liability, contractor’s equipment coverage, and additional insured endorsements for project owners. For more information about Colonial General Insurance Agency, Inc., visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for cabinet makers, custom woodworking shops, furniture builders, and businesses that manufacture or install doors and windows. Is this program available on an admitted basis?Some markets are admitted depending on the account and state. Colonial General has access to both admitted and non-admitted carriers to meet client needs. Can I write this coverage as a package policy?Yes. Coverage can be issued on a mono-line or package basis to give you flexibility in structuring the policy. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the liability coverage?Primary general liability limits are available up to $3,000,000 occurrence/aggregate, with excess or umbrella options up to $25,000,000. Need help placing an account? Connect with a market specialist.

...ge of accounts including custom woodworkers, cabinet manufacturers, and instal...

For over a century, Pennsylvania Lumbermens Mutual Insurance Company (PLM) and Indiana Lumbermens Mutual Insurance Company (ILM) have specialized in supporting the unique needs of the lumber, woodworking, and building materials industries. Through this strategic affiliation, PLM and ILM offer agents and brokers a reliable, long-term partner with deep industry knowledge, tailored coverages, and responsive service. Our Diversified Insurance Coverages program is structured to address the evolving risks faced by businesses in the lumber and building materials sectors. From sawmills and wood product manufacturers to distributors and retail yards, we understand the complexities your clients face and work with you to deliver insurance solutions that support their operations and growth. Ideal Accounts and Appetite This program is designed for businesses in the lumber, building materials, and wood products industries. Ideal accounts include: Lumberyards and building material dealers Wood manufacturers and millwork operations Wholesale distributors of wood-based products Sawmills and wood treating facilities If you have a client operating a multi-location lumber distribution business or a regional sawmill with specialized equipment and property exposures, this program offers comprehensive protection tailored to their operations. Coverage Highlights and Advantages PLM and ILM offer a broad portfolio of coverages designed to address the primary exposures of wood-related businesses. Available coverages include: Property General Liability Commercial Umbrella Commercial Auto Inland Marine Equipment Breakdown Business Interruption and Extra Expense In addition to robust coverage, clients benefit from specialized services that support risk prevention and claim resolution: Dedicated business development representatives Industry-specific risk management resources Experienced claims handling with wood industry expertise Flexible billing and payment solutions User-friendly producer portal for quoting and servicing Underwriting Notes and Minimum Premiums PLM and ILM underwrite each account with a focus on long-term risk management and financial stability. While minimum premiums will vary based on risk size and location, accounts with meaningful property, auto, or inland marine exposures are typically a good fit. Agents should be prepared to provide detailed loss history, property valuations, and operational overviews when submitting risks. Territories and Availability This program is available on an admitted basis in all U.S. states, including the District of Columbia. PLM and ILM proudly serve a national footprint, offering consistent underwriting, claims, and risk management support across all territories. Why Work With PLM and ILM As the only mutual insurance companies in the U.S. dedicated exclusively to the wood and lumber industries, PLM and ILM offer unmatched field expertise and a commitment to policyholder success. Agents working with PLM and ILM gain a strategic partner who understands their client’s business, provides value-added services, and backs it with responsive service and stable underwriting practices. Explore our website to learn how having PLM and ILM as your strategic partner can benefit you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for lumberyards, millwork operations, wood product manufacturers, and wholesale distributors of building materials. Is this program available in all states?Yes, the Diversified Insurance Coverages program is available in all 50 states and the District of Columbia on an admitted basis. Are there any specific underwriting requirements?Underwriters typically require detailed property information, loss runs, and a clear outline of business operations to assess risk appropriately. What value-added services do PLM and ILM offer?Policyholders benefit from specialized risk management, expert claims handling, dedicated representatives, and easy access to online tools through the producer portal. Who are the carriers behind this program?This program is backed by Pennsylvania Lumbermens Mutual and Indiana Lumbermens Mutual Insurance Companies. Need help placing an account? Connect with a market specialist.

Ethical, Dedicated, Dependable — Problem Solvers with Deep Lumber Industry Expertise The staff at American Lumber Underwriters has been serving the Wood Products industry for many years. During that time we built an all-lines specialty market to address your clients' wood products needs, continually improving our coverages and service model to match industry exposures and agent expectations. Our Wood Products program is designed to meet the unique needs and challenges faced by companies in the lumber, millwork, and building materials sectors. Coverages Offered: • Commercial Auto • Inland Marine • Property • Crime Coverage • Commercial Umbrella • Workers Compensation • Employers Liability • Equipment Breakdown • Logging Equipment • General Liability • Employment Practices Liability *We also offer competitive stock throughput. We consider most industries, with the exception of tobacco and cell phone products. Any client involved in manufacturing wood products, or in the wholesale and retail distribution of hardware, lumber, and building materials, may qualify for our Wood Products program. We pair underwriting experience in the lumber trade with flexible coverages and a focus on loss control and claims service. Target Classes: • Millwork • Cabinet Manufacturers • Saw Mills • Pallet Manufacturers • Hardwood Dimensional Lumber (floor) • Lumberyards • Planning Mills • Wood Preservers • Hardware Stores • Truss Manufacturers • Plywood Manufacturers • Rental Equipment Dealers • Wood product manufacturers NOC • Building Material Dealers and Distributors Program Highlights and Advantages Industry-focused underwriting that recognizes the seasonal, processing, and inventory risks unique to lumber and wood products. All-lines capability — place Property, GL, Auto, Inland Marine (including stock throughput), Workers' Compensation and more through a single program. Customizable solutions and competitive terms for accounts that fit our appetite, backed by a managing general underwriter with deep lumber experience. Proactive loss control emphasis and experienced claims partners to help manage frequency and severity in high-exposure operations. Underwriting Notes and Minimum Premiums We typically require a minimum premium of $10,000 for most classes. Sawmills generally have a higher minimum premium of $20,000. Appetite is broad across wood products, but we exclude tobacco and cell phone product lines. Use this program for accounts where you need industry-aware underwriting, stock throughput solutions, or tailored inland marine and property programs. Territories and Licensure Available in most states. American Lumber Underwriters operates as a Managing General Underwriter and offers this Wood Products program in the following jurisdictions: 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 Admitted status: Most Available States. Why Place Wood Products Business with American Lumber Underwriters Specialized lumber and wood-products underwriting — we understand the operational risks and valuation challenges agents encounter in this sector. Single-source access to multiple coverages, simplifying placement for accounts that need coordinated limits and terms. Responsive underwriting and a service-oriented approach focused on loss control and claim outcomes. Example Accounts That Fit Well A regional lumberyard with mixed retail and wholesale operations seeking property, GL, inland marine for stock throughput, and a commercial auto package. A cabinet manufacturer requiring equipment breakdown coverage, general liability, and workers' compensation with industry-aware rating and loss-control recommendations. If you are interested in learning more about American Lumber Underwriters and the programs we offer, please email or call one of our experienced team members for submission requirements and quoting instructions. You can also view our company profile and storefront on CompleteMarkets: Company Profile | Wood Products Storefront Frequently Asked Questions What types of accounts are a good fit for the Wood Products program?Accounts handling lumber, millwork, cabinets, pallets, trusses, plywood, and building material distribution are ideal. We look for operations with measurable loss-control practices and standard exposures—sawmills and larger processing facilities are considered but have a higher minimum premium. What are your minimum premiums and special underwriting requirements?Minimum premiums are generally $10,000 for most classes and $20,000 for sawmills. We review operations, inventory management, fire protection, and loss history as part of our standard underwriting. Stock throughput is available and competitively priced for qualifying accounts. Which states is the program available in?The program is offered in most states (see the states list in this storefront). We operate as a Managing General Underwriter and can discuss admitted versus non-admitted placement options depending on the risk and state requirements. Are there classes or industries you will not consider?We consider most wood-related and building materials businesses but do not write accounts whose primary products are tobacco or cell phone products. Certain high-hazard or unusual operations may be referred or declined after review. How do I submit a prospect for consideration?Prepare current loss runs, a completed ACORD application or equivalent, values (including stock and equipment), and a description of operations. Reach out to our underwriting team through the contact methods listed on our CompleteMarkets profile to confirm submission requirements for the specific class. Need help placing an account? Connect with a market specialist.

Ethical, Dedicated, Dependable — Problem Solvers with Deep Lumber Industry Expertise The staff at American Lumber Underwriters has been serving the Wood Products industry for many years. During that time we built an all-lines specialty market to address your clients' wood products needs, continually improving our coverages and service model to match industry exposures and agent expectations. Our Wood Products program is designed to meet the unique needs and challenges faced by companies in the lumber, millwork, and building materials sectors. Coverages Offered: • Commercial Auto • Inland Marine • Property • Crime Coverage • Commercial Umbrella • Workers Compensation • Employers Liability • Equipment Breakdown • Logging Equipment • General Liability • Employment Practices Liability *We also offer competitive stock throughput. We consider most industries, with the exception of tobacco and cell phone products. Any client involved in manufacturing wood products, or in the wholesale and retail distribution of hardware, lumber, and building materials, may qualify for our Wood Products program. We pair underwriting experience in the lumber trade with flexible coverages and a focus on loss control and claims service. Target Classes: • Millwork • Cabinet Manufacturers • Saw Mills • Pallet Manufacturers • Hardwood Dimensional Lumber (floor) • Lumberyards • Planning Mills • Wood Preservers • Hardware Stores • Truss Manufacturers • Plywood Manufacturers • Rental Equipment Dealers • Wood product manufacturers NOC • Building Material Dealers and Distributors Program Highlights and Advantages Industry-focused underwriting that recognizes the seasonal, processing, and inventory risks unique to lumber and wood products. All-lines capability — place Property, GL, Auto, Inland Marine (including stock throughput), Workers' Compensation and more through a single program. Customizable solutions and competitive terms for accounts that fit our appetite, backed by a managing general underwriter with deep lumber experience. Proactive loss control emphasis and experienced claims partners to help manage frequency and severity in high-exposure operations. Underwriting Notes and Minimum Premiums We typically require a minimum premium of $10,000 for most classes. Sawmills generally have a higher minimum premium of $20,000. Appetite is broad across wood products, but we exclude tobacco and cell phone product lines. Use this program for accounts where you need industry-aware underwriting, stock throughput solutions, or tailored inland marine and property programs. Territories and Licensure Available in most states. American Lumber Underwriters operates as a Managing General Underwriter and offers this Wood Products program in the following jurisdictions: 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 Admitted status: Most Available States. Why Place Wood Products Business with American Lumber Underwriters Specialized lumber and wood-products underwriting — we understand the operational risks and valuation challenges agents encounter in this sector. Single-source access to multiple coverages, simplifying placement for accounts that need coordinated limits and terms. Responsive underwriting and a service-oriented approach focused on loss control and claim outcomes. Example Accounts That Fit Well A regional lumberyard with mixed retail and wholesale operations seeking property, GL, inland marine for stock throughput, and a commercial auto package. A cabinet manufacturer requiring equipment breakdown coverage, general liability, and workers' compensation with industry-aware rating and loss-control recommendations. If you are interested in learning more about American Lumber Underwriters and the programs we offer, please email or call one of our experienced team members for submission requirements and quoting instructions. You can also view our company profile and storefront on CompleteMarkets: Company Profile | Wood Products Storefront Frequently Asked Questions What types of accounts are a good fit for the Wood Products program?Accounts handling lumber, millwork, cabinets, pallets, trusses, plywood, and building material distribution are ideal. We look for operations with measurable loss-control practices and standard exposures—sawmills and larger processing facilities are considered but have a higher minimum premium. What are your minimum premiums and special underwriting requirements?Minimum premiums are generally $10,000 for most classes and $20,000 for sawmills. We review operations, inventory management, fire protection, and loss history as part of our standard underwriting. Stock throughput is available and competitively priced for qualifying accounts. Which states is the program available in?The program is offered in most states (see the states list in this storefront). We operate as a Managing General Underwriter and can discuss admitted versus non-admitted placement options depending on the risk and state requirements. Are there classes or industries you will not consider?We consider most wood-related and building materials businesses but do not write accounts whose primary products are tobacco or cell phone products. Certain high-hazard or unusual operations may be referred or declined after review. How do I submit a prospect for consideration?Prepare current loss runs, a completed ACORD application or equivalent, values (including stock and equipment), and a description of operations. Reach out to our underwriting team through the contact methods listed on our CompleteMarkets profile to confirm submission requirements for the specific class. Need help placing an account? Connect with a market specialist.

Are you an agent placing coverage for a neighborhood hardware store, lumber & millwork supplier, or small contractor-supply retailer? American Lumber Underwriters offers a dedicated Hardware Store Insurance program designed for independent hardware and supply retailers that serve both retail customers and contractors. Our program combines multiple lines of coverage and flexible underwriting through our position as the Managing General Underwriter for five admitted carriers. Program Overview — American Lumber Underwriters This program is built for hardware stores with multiple specialty departments (paint matching, keys, power-tool repair, lumber cutting, special orders, etc.). We package General Liability, Property, Workers’ Compensation, Business Owners Policy (BOP), Professional Liability, Auto Liability and Umbrella coverage to produce broad, practical protection for everyday exposures your clients face. Common services and departments Computer paint matching Keys duplicated / locks re-keyed Power tool service and repair Pipe cutting and threading Cutting and ripping lumber Special orders and contractor supplies Ideal Accounts and Appetite Independent hardware stores, small regional chains, and lumber & building supply retailers. Stores that serve both walk-in retail customers and local contractors (e.g., rental/repair benches, lumber cutting services). Small-to-mid-size operations with on-site services (tool repair, cutting/threading) and limited hazardous operations. Not a fit: large national “big-box” chains, heavy manufacturing, or accounts with large-scale fuel dispensing, full-service equipment rental fleets, or extensive on-site manufacturing. For borderline or higher-hazard risks, contact underwriting for pre-submission review. Coverage Highlights and Advantages Multi-line solutions — place GL, Property, WC, BOP, Auto, Professional Liability and Umbrella together for coordinated limits and consistent service. Underwriting flexibility — as the MGA for five admitted carriers, American Lumber Underwriters can tailor program structures across carriers to meet complex needs. Industry expertise — underwriters understand retail exposures specific to hardware stores: slip-and-fall, product and operations exposures tied to tool repair and lumber services, employee injuries in cutting and repair departments, and delivery/auto exposures. Practical endorsements and options — available endorsements and extensions to reflect typical hardware-store operations (discuss options with underwriting). Underwriting Notes and Minimum Premiums Underwriting focuses on size of the operation, revenue mix (retail vs. contractor sales), onsite services (repair benches, woodworking, chemical storage), and loss history. Please submit details on annual sales by class, payroll, list of onsite services, building construction and protection class, and a current loss run for the past 3–5 years. If you need minimum premium or specific binding requirements, contact our underwriting team — they can provide state-specific minimums and appetite guidance prior to submission. Territories and Availability This program is available in 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. For states not listed or for out-of-state placements, contact underwriting for options. Why Place Hardware Store Business with American Lumber Underwriters Managing General Underwriter with direct access to five admitted carriers — greater flexibility to match coverages and pricing to account-specific risks. Dedicated underwriting expertise for lumber, building materials and hardware retail operations. Streamlined submission process and responsive service to help you bind accounts and service renewals efficiently. To learn more about the Hardware Store Insurance program or to request a quote, please give us a call today or send us an email. Frequently Asked Questions What types of hardware accounts are a good fit for this program?Independent hardware stores, lumber & building supply retailers and small regional chains that provide retail sales plus contractor services (e.g., lumber cutting, tool repair, special orders) are an ideal fit. The program favors small to mid-size operations without large-scale fueling or heavy manufacturing on-site. Which coverages can I place through American Lumber Underwriters for a hardware store?You can place General Liability, Property, Workers’ Compensation, Business Owners Policy, Professional Liability, Auto Liability and Umbrella through this program. Underwriting can discuss additional endorsements relevant to hardware operations during the submission. What information does underwriting need with a submission?Provide a detailed submission including annual sales by class, payroll, description of on-site services (repair benches, cutting/threading, hazardous materials storage), building construction and protection details, and current loss runs. Photos and a list of subcontracted services are helpful for faster review. Are there states where this program is not available?The program is available in the states listed above. If you have an account outside those states or a unique risk profile, contact underwriting to explore options or alternative carrier capacity. How do I find out minimum premium or binding requirements?Minimum premium and specific binding requirements vary by state and carrier. Please contact American Lumber Underwriters’ underwriting team for state-specific minimums and quote thresholds before submission. Need help placing an account? Connect with a market specialist.

Program Highlights for In-home Business Insurance: Overview — Colonial General Insurance Agency, Inc. In-home Business Insurance Colonial General Insurance Agency, Inc. offers an In-home Business Insurance program designed for small, owner-operated businesses that run from the insured’s residence. Unlike many standard homeowners policies that exclude business exposures, this program is written as a supplement to the homeowner policy so the home and the business can be insured together. Colonial General underwrites these risks as a Managing General Agency and Excess & Surplus Lines broker with access to multiple markets (carriers vary). Ideal accounts and target classes Owner-operated retail distribution from the home (online shops, craft sellers, direct-to-consumer product sales). Service professionals working from a home office (consultants, bookkeepers, designers, small IT shops) with limited or no public traffic. Creative and light production businesses (artists, tailors, small-scale woodworking or custom jewelry where processes and materials are low hazard). Accounts operated by the insured and/or immediate family with no more than three employees. What typically fits — and what does not Good fits are small operations with low premises exposures, limited customer visits, modest inventory stored on site, and no heavy equipment or hazardous processes. This program generally will not accept accounts that involve significant manufacturing, high customer foot traffic, regular on-site instruction/classes with many attendees, large-volume flammable storage, auto repair, or other high hazard operations. Coverage highlights Business Personal Property — protection for stock, tools, and business equipment kept at the residence. Business Income — limited time element coverage for income interruption tied to the home business operations. Business General Liability — coverage for third-party bodily injury and property damage arising from business operations. Standard All Perils Deductible — consistent deductible structure designed to align with the packaged homeowners supplement. Medical Payments — for on-site medical expense payments to third parties regardless of fault. Underwriting notes for agents Maximum employees: typically the insured and immediate family plus up to three employees. Verify payroll and employee counts on submission. Operations: program focuses on retail distribution or low-exposure services performed at or from the home. Describe production processes, materials, and any flammable or hazardous substances used. Premises exposures: photos of the work area, description of customer access and parking, and any fire or safety protections are commonly requested. Loss history: submit prior loss runs when available — underwriting reviews frequency and severity closely on home-business risks. Carrier placement: markets vary by class and state; some territories have admitted capacity while others are placed on a non-admitted/E&S basis (see availability below). Territories and availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted capacity is available in some markets; other placements may be handled on an Excess & Surplus basis depending on the class and state. Because carriers and admitted status vary, submit early or contact Colonial General underwriting to confirm placement options for a specific state and class. Why work with Colonial General on in-home business accounts Colonial General focuses on small, home-based businesses and understands how to package business coverages with homeowner exposures without forcing a separate commercial property policy. The program streamlines placement for common home business classes, offers tailored limits for personal property and liability, and gives agents flexible access to admitted and non-admitted markets. For borderline or nonstandard situations, Colonial General’s MGA/E&S capabilities can help find an appropriate market. Quick example scenarios Example A — An Etsy artisan sells handcrafted goods online and stores finished inventory in a garage workroom. The owner wants coverage for stock, tools, and limited liability for buyer visits. This program can provide business personal property and liability coverage as a supplement to the homeowner policy. Example B — A freelance bookkeeper works from a home office, has no in-person client traffic, and needs professional liability and business income protection for computer equipment and records. The program accommodates low-exposure office services operated from the residence. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s In-home Business program?Accounts that fit best are owner-operated, retail distribution or low-exposure service businesses run from the home, with limited customer visits, modest on-site inventory, and no more than three employees (including immediate family). Examples include online retailers, artists/crafters, consultants, and small home offices. Is this coverage written standalone or combined with a homeowners policy?The program is written as a supplement to the homeowner policy so the residence and the in-home business are insured together. Placement details and eligibility are confirmed by Colonial General underwriters and vary by market. Can customers visit the home for pickups or appointments?Limited customer visits are typically allowed but depend on the class and expected foot traffic. High customer volume, instruction classes, or regular public events are usually not acceptable. Provide details on expected visits when submitting so underwriters can assess exposure. Which states and admitted options are available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted capacity while others may require non-admitted/E&S placement; carriers vary by state and class, so check with Colonial General for current market availability. Need help placing an account? Connect with a market specialist.

Amwins Specialty Casualty Solutions (ASCS), part of the Amwins Underwriting division, is an MGA and specialty program creator with nearly $1B GWP across multiple industries and lines. ASCS distributes a suite of public entity products designed for pools and individual government clients. Below is a clear summary you can use when evaluating placement options for your public entity insureds. Program overview Amwins Underwriting’s Public Entity Insurance Programs provide dedicated property, liability, and workers’ compensation solutions for public-sector entities. These programs combine specialty underwriting, flexible capacity, and access to well-capitalized markets and reinsurers to address exposures unique to municipalities, school systems, special districts, public housing authorities and similar public entities. Ideal accounts and appetite Municipalities (cities, towns, counties) Public schools and higher education institutions Special districts and service authorities Public housing authorities and municipal utilities Pools and joint powers authorities seeking programmatic solutions You should consider these programs when your client needs higher capacity, layered solutions, or specialized terms crafted for public entities that standard commercial markets struggle to accommodate. Coverage highlights and advantages Public Entity Property: Up to $50M capacity per risk; administered by ASCS and written by a non-admitted carrier; excess follow-form; no TIV cap. Note: unable to participate on lead/primary layers. Public Entity Casualty: Liability offered as follow-form excess or reinsurance; up to $3M per occurrence; placed on AM Best “A-” paper and backed by a panel of global reinsurers; strong underwriting and claims expertise. Public Entity Workers' Compensation: Options include buffer, SIR, alternative funding and excess solutions; carrier ratings across programs range from AM Best "A+" to "A-" XII; available in all states. Underwriting notes and placement considerations Underwriting is program-driven and tailored to public entity exposures. Key considerations include existing policy layers (for follow-form placements), desired limit structure, loss history for public-sector operations, and whether the client is a pool or a single entity. The Property program operates on non-admitted paper; casualty and workers’ comp placements use admitted markets or reinsurer-backed structures depending on the program. Amwins’ underwriting team expects complete submissions with current values, schedules of locations, loss runs, and details on risk-transfer arrangements. Territories and availability Programs are available nationwide. States of availability include: 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. Why place public entity business with Amwins Underwriting Amwins Underwriting brings program design expertise, deep public entity underwriting, and strong carrier/reinsurance relationships. That combination helps you place larger limits, structure layered solutions, and offer funding alternatives for clients who need more than standard commercial terms. The underwriting and claims bench strength noted on the casualty program provides additional confidence for complex liability exposures. (*We work with pools and individual public entities) Frequently Asked Questions What types of public entity accounts are a good fit for these programs?These programs target municipalities, public schools and colleges, special districts, public housing authorities, municipal utilities, and pools. They are a strong fit when clients need higher capacity, excess or reinsurance placements, or alternative funding structures for workers’ comp. Are the programs admitted or non-admitted?Placement depends on the specific product: the Public Entity Property program is written by a non-admitted carrier and administered by ASCS. Casualty and workers’ compensation placements may be on admitted paper or structured with reinsurer support; confirm program specifics when submitting. What information should I include with a submission?Provide current policy details and limits, TIV and schedule of locations for property, recent loss runs, description of operations and exposures, any existing SIR or alternative funding arrangements, and details about pools or joint powers structures if applicable. Which states are these programs available in?The programs are available nationwide. Refer to the storefront for the full list of states, and confirm any state-specific requirements during submission, especially for workers’ compensation and surplus-lines placements. Need help placing an account? Connect with a market specialist.