Colonial General Insurance Agency, Inc. offers a comprehensive Trade School Insurance program designed specifically for private technical, vocational, and trade schools, as well as private elementary, middle, and high schools with specialized curriculums. This program also includes coverage eligibility for learning centers and tutoring facilities. Coverage is available on a mono-line or package basis, offering flexibility to meet your clients' needs.
Ideal Accounts and Appetite
This program is ideal for private institutions that offer job-focused training, certification programs, or technical education. Examples include cosmetology schools, HVAC training centers, welding schools, and computer programming academies. You can also place accounts for tutoring centers, test prep centers, and after-school learning programs.
Target accounts include schools that:
- Offer job-specific certification or technical training
- Operate as private institutions (not public or charter schools)
- Provide educational services in a structured setting
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary Limits up to $3,000,000 Occurrence / Aggregate
- Errors and Omissions Coverage for Teachers
- $5,000 Medical Payments Coverage—Included
- Sexual and Physical Abuse Coverage—$25,000 Per Claim / $50,000 Aggregate
- Excess or Umbrella Limits up to $25,000,000
- No deductible required
Property Coverage:
- Available on Basic, Broad, or Special Form
- Building and Contents
- Business Income and Extra Expense
- Electronic Data Processing (EDP) Equipment
- Equipment Breakdown & Food Spoilage
- Accounts Receivable & Valuable Papers
- Replacement Cost or Actual Cash Value
- Outside Signs
Crime Coverage:
- Theft of Money and Securities—Inside the Premises
- Robbery or Safe Burglary of Other Property—Inside the Premises
- Loss or Theft—Outside the Premises
Underwriting Notes and Minimum Premiums
Colonial General underwrites each submission carefully to ensure a good fit. While minimum premium details are not specified, this program is structured to accommodate a wide range of school sizes and operational models. Submissions should include full details about the school’s operations, student count, and current insurance program.
Territories and Availability
This Trade School Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Coverage is written through a variety of carriers with both admitted and non-admitted markets available, depending on the risk and state regulations.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in specialty education risks. They offer agents access to multiple markets and tailored underwriting for private educational institutions. With a focus on dependable service and flexible coverage options, Colonial General is a trusted partner for placing trade school and technical education accounts.
You might have a client running a private cosmetology school in Nevada or a small HVAC training center in Utah—Colonial General can help you find the right solution to protect their property, staff, and students.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include private trade, technical, and vocational schools, as well as tutoring centers and private K-12 institutions offering job-specific certification programs.
Is this program available in admitted markets?
Some admitted markets are available depending on the risk profile and state. Colonial General also offers access to non-admitted markets when needed.
What coverages are included in the liability policy?
The liability policy includes general liability, E&O for teachers, medical payments, abuse and molestation coverage, and optional umbrella limits up to $25 million.
Can I submit a mono-line policy request?
Yes, both mono-line and package policy submissions are accepted, depending on the specific coverage needs of the school.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.