Colonial General Insurance Agency, Inc. provides a focused Security Patrol Insurance program for agencies and contractors operating in higher-risk security and investigative roles. Whether your client employs armed or unarmed guards, operates K-9 units, conducts private investigations, provides process serving, or runs firearms training, this program is designed to deliver comprehensive liability and property protection tailored to those exposures. Eligible classes also include polygraphists, process servers, and claims adjusters with draft authority of $5,000 or less.
Ideal Accounts and Appetite
This program is well suited for a wide range of security-related businesses, including:
- Security guard and patrol companies (armed or unarmed)
- Contract firms using K-9 units
- Private investigation agencies
- Process serving operations
- Firearms certification instructors and training schools
- Claims adjusters with limited draft authority
Typical fits include regional patrol companies that provide armed and unarmed guards for retail, construction, or event sites, and private investigators who also offer contract security or process serving. The program favors disciplined operations with documented training, written procedures, and loss control measures.
Coverage Highlights and Advantages
Commercial General Liability Coverage includes:
- Primary limits available up to $3,000,000 occurrence / aggregate
- $5,000 Medical Payments—automatically included
- Additional Interests—$100 each
- Assault & Battery—covered at full policy limits (optional sub-limits offered at discounted rates)
- Errors & Omissions Coverage Part for professional exposures
- Lost Key Coverage—$25,000 limit included
- Property Damage Extension for Care, Custody & Control—$5,000 / $25,000 limits
- Excess/Umbrella capacity available up to $25 million
- Loss prevention brochure and best practices guidance to support underwriting and risk control
Property Coverage options include:
- Basic, Broad, or Special Forms
- Building, Business Income, and Contents coverage
- Replacement Cost or Actual Cash Value basis available
Crime Coverage available:
- Inside the Premises—Theft of Money and Securities
- Inside the Premises—Robbery or Safe Burglary of Other Property
- Outside the Premises coverage
Underwriting Notes
Colonial General can write coverage on a monoline or package basis and uses flexible underwriting to address the specific operations and exposures of each firm. Underwriting will consider employee hiring practices, training programs, weapons-handling controls, K-9 handling, and documentation of client contracts and scopes of work. Access to admitted and non-admitted markets helps place accounts that may require broader forms or higher limits.
Territories and Availability
This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some coverages are offered on admitted paper where available; Excess & Surplus options are used when the risk or jurisdiction requires non-admitted placement.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise in security and investigative exposures with broad market access. Their underwriters and market contacts allow you to place complex or hard-to-insure accounts with tailored forms, higher limits, and loss-control guidance — all aimed at keeping risks in forceable, well-documented programs.
Learn more about Colonial General and their capabilities by visiting their company profile.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Security patrol firms, private investigators, process servers, firearms instructors, and adjusters with limited draft authority are all good fits, especially when they have documented training and client contracts.
Are both armed and unarmed guards eligible?
Yes. The program accepts accounts with armed or unarmed personnel, including operations that use guard dogs, subject to underwriting review of training and weapons controls.
Is Assault & Battery coverage included?
Yes. Assault & Battery is included at policy limits; sub-limits are available as a lower-cost option where appropriate.
Which states is this program available in?
Coverage is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I combine Property and Liability coverages?
Yes. The program supports monoline or package placements, and property, crime, and excess limits can be added to match the client’s exposures.
Need help placing an account? Connect with a market specialist.