Claims adjusters play a critical role in the insurance claim lifecycle, evaluating losses and determining coverage and value for property, casualty, auto, and bodily injury claims. Whether your client is a solo independent adjuster or a small adjusting firm working for carriers or claimants, they face professional and general liability exposures while on assignment. Colonial General Insurance Agency, Inc. offers a Claims Adjuster Insurance program designed to help you place this specialized business with carriers who understand the occupation’s unique risks.
Overview of the Program From Colonial General
Colonial General is a Managing General Agency and Excess & Surplus lines broker with access to highly rated markets, including A+ carriers. The Claims Adjuster Insurance program provides professional liability and related coverages tailored for independent adjusters and small firms. Underwriting is flexible, allowing placement in admitted or non-admitted markets depending on the state and risk characteristics.
Ideal Accounts and Appetite
This program works well for:
- Independent claims adjusters operating solo or in small teams
- Adjusters handling residential and commercial property, auto, and casualty claims
- Small adjusting firms contracted by insurance carriers or retained by claimants
Generally out of scope are large catastrophe-only adjusting operations, firms with significant international exposure, and certain public adjuster activities without prior underwriting review. Colonial General evaluates public adjusters on a case-by-case basis.
Coverage Highlights and Advantages
- Limits starting at $100,000/$100,000 (subject to carrier selection)
- Deductibles available as low as $1,000
- Access to A+ rated carriers and market flexibility across admitted and E&S options
- Policy features and pricing tailored to the adjuster’s scope of services and loss history
Coverage specifics and premium will depend on the carrier chosen and the detailed risk profile of the insured. Colonial General works with agents to match the right market to each submission.
Underwriting Notes
To request a quote, submit a completed application plus:
- A summary of the adjuster’s experience and license information (if applicable)
- Description of services and typical assignment types (property, auto, bodily injury, etc.)
- Loss history or claims run report, if available
Minimum premiums and underwriting terms vary by carrier and state. Colonial General can help identify the most appropriate market and advise on acceptable exposures and documentation to improve placement prospects.
Example Accounts
- A solo independent adjuster who performs residential wind and hail inspections for regional carriers — limited staff, minimal subcontracting, clean loss history.
- A small adjusting firm handling auto and general liability claims under assignment to national carriers — limited catastrophic exposure and well-documented procedures for file handling.
Territories and Availability
This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on the state and risk details; otherwise E&S placements are an option.
Why Work With Colonial General?
As an MGA and E&S broker, Colonial General combines underwriting flexibility with access to quality markets. Their team focuses on niche professional liability risks and works directly with agents to place hard-to-write accounts. Timely service, carrier relationships, and tailored placement strategies help you write and retain valuable adjusting business.
Whether you have a client launching an independent adjusting business or an established firm seeking improved terms, Colonial General’s Claims Adjuster Insurance program offers markets and underwriting expertise to help get the account placed.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Independent claims adjusters and small firms handling property, auto, casualty, or bodily injury claims are the primary candidates for this program.
Are public adjusters eligible for this program?
Public adjusters may require additional underwriting review and do not automatically fit the program appetite. Submit details for a case-by-case evaluation.
What carriers does Colonial General work with?
Colonial General has relationships with multiple carriers, including A+ rated markets. The specific carrier used depends on the risk profile and state of placement.
What documentation is needed to submit an account?
A completed application, a description of services, an experience summary, and loss history (when available) are typically required for quoting.
Is coverage available in admitted markets?
Yes — some admitted options are available depending on state and risk details; otherwise E&S placement can be considered.
Need help placing an account? Connect with a market specialist.