Colonial General Insurance Agency, Inc. offers a specialized Technical School Insurance Program designed for agents and brokers seeking comprehensive coverage solutions for private educational institutions. This program is an excellent fit for private elementary, middle, and high schools, as well as private technical, trade, and vocational schools that offer job-specific certification programs. Learning centers and tutoring operations are also eligible under this program.
Ideal Accounts and Appetite
This program targets educational institutions that provide hands-on or career-focused training, including cosmetology schools, HVAC and electrical trade schools, automotive training centers, and other technical or vocational programs. It is also a good fit for private K–12 schools and tutoring centers that require tailored property and liability protection.
Accounts should have structured curriculums, appropriate safety protocols, and be privately operated. Public institutions and schools with high-risk training (e.g., heavy machinery or flight schools) may fall outside of appetite.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- Teachers’ Errors & Omissions coverage included
- $5,000 Medical Payments—Included
- Sexual and Physical Abuse coverage—Included ($25,000 per claim / $50,000 aggregate)
- Excess or Umbrella limits available up to $25,000,000
- No deductible required
Property Coverage:
- Building and Contents
- Business Income and Extra Expense
- Accounts Receivable
- Electronic Data Processing
- Equipment Breakdown
- Food Spoilage and Outside Signs
- Valuable Papers
- Available on Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value options
Crime Coverage:
- Theft of Money and Securities (Inside the Premises)
- Robbery or Safe Burglary of Other Property (Inside the Premises)
- Losses Outside the Premises
Underwriting Notes and Minimum Premiums
Colonial General underwrites through a variety of carriers and offers flexible solutions depending on the risk profile. While minimum premium requirements vary by market, they are competitive for technical and private school accounts. Submissions should include full details on curriculum, student population, staff, and facility safety measures.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary by coverage part and market.
Why Work With Colonial General
As a Managing General Agency and E&S broker, Colonial General Insurance Agency, Inc. brings deep expertise in niche education-related risks. Agents benefit from access to both admitted and non-admitted markets, responsive underwriting, and a partner that understands the unique exposures faced by private and technical schools. Whether you're placing a small tutoring center or a multi-location vocational training institute, Colonial General can help tailor coverage to fit your client's needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Private technical, trade, and vocational schools, as well as private K–12 schools, tutoring centers, and learning institutes offering job-specific certifications.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Does this program include abuse and molestation coverage?
Yes, the policy includes Sexual and Physical Abuse coverage with $25,000 per claim and $50,000 aggregate limits.
What types of property coverage are included?
Coverage includes buildings, contents, business income, equipment breakdown, electronic data, valuable papers, and more.
Is this program available on an admitted basis?
Some markets are admitted depending on the risk and location. Colonial General offers access to both admitted and non-admitted carriers.
Need help placing an account? Connect with a market specialist.