Colonial General Insurance Agency, Inc. offers a flexible Warehouse Insurance program for public and private warehouse operations, including mini-warehouses. With access to multiple admitted and non-admitted markets across the Western U.S., this program helps agents place comprehensive liability, property, and crime coverage tailored to warehouse exposures.
Overview of the Program From Colonial General
This Warehouse Insurance program is structured to provide Property and Commercial General Liability coverage on a monoline or package basis. Whether your insured operates a small private storage facility or a larger public warehouse, Colonial General combines underwriting expertise with market access to place accounts that need flexible terms and broad coverage.
Ideal Accounts and Appetite
Target classes include:
- Public warehouse operators
- Private storage facilities (including mini-warehouses)
- Logistics and distribution centers
- Facilities with incidental office or light manufacturing exposures
Preferred risks typically have clear risk-management practices, documented security and inventory controls, and well-maintained premises. Risks involving significant hazardous materials, heavy manufacturing operations, or large cold-storage inventories may be outside the program's appetite or require specialty placement.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits available up to $3,000,000 occurrence/aggregate
- $5,000 Medical Payments included
- Excess or Umbrella limits available up to $25,000,000
- No deductible required for GL in many markets
Crime Coverage:
- Theft of money and securities (inside the premises)
- Robbery or burglary of other property (inside the premises)
- Coverage for losses occurring outside the premises
Property Coverage:
- Building and contents (usually for private warehouses)
- Business income and equipment breakdown
- Accounts receivable and valuable papers
- Computer equipment and inland marine for stored goods/movable equipment
- Outside signs
- Replacement cost or actual cash value options
- Forms available: Basic, Broad, or Special
Underwriting Notes
Colonial General works directly with agents to structure competitive quotes and appropriate coverage. Underwriting reviews generally focus on inventory controls, security and surveillance, fire protection, and tenant/occupancy exposures. Minimum premium requirements vary by carrier and state; agents should expect variability depending on the specific market selected.
Territories and Availability
This program is available to licensed agents in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets within the program are offered on an admitted basis, while others are placed non-admitted when needed to secure capacity.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents access to a broad panel of underwriters experienced with warehouse exposures. Their strengths include responsive underwriting, flexibility between admitted and non-admitted markets, and tailored program placement for complex or specialized risks.
Example scenarios that fit well:
- You have a mid-sized private warehouse in Colorado storing consumer goods with controlled access and sprinkler protection — Colonial General can help package property, business income, and liability in one submission.
- An agent needs liability and excess limits for a public storage operator in California with moderate inventory values and robust security procedures — the program can provide higher GL and umbrella capacity.
To review carrier appetite, submission requirements, or to start a quote, visit Colonial General’s company profile.
Frequently Asked Questions
What types of accounts are a good fit for this Warehouse Insurance program?
This program is ideal for public and private warehouse operations, including mini-warehouses, logistics centers, and storage facilities that handle non-hazardous goods.
Is this coverage available on an admitted basis?
Some markets are available on an admitted basis, depending on the state and risk characteristics. Colonial General also uses non-admitted carriers when admitted capacity is not available or when higher limits are needed.
Can I get coverage for both liability and property in one policy?
Yes. Policies can be written on a monoline or package basis, allowing you to combine General Liability and Property coverage to meet your client's needs.
Are contents covered for both public and private warehouses?
Contents coverage is commonly available for private warehouse risks. For public warehouses, contents options depend on the carrier and the specific exposure; discuss the inventory handling and lease arrangements with the underwriter.
What states is this program available in?
The Warehouse Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.