Colonial General Insurance Agency, Inc. offers a tailored Christmas Tree Lots Insurance program designed to help agents place seasonal accounts with confidence. Whether your client operates a single temporary lot or manages multiple holiday locations, this program provides essential property and liability coverages suited for the unique risks associated with Christmas tree sales operations.
Ideal Accounts and Appetite
This program is an excellent fit for:
- Seasonal Christmas tree lot operators with temporary or semi-permanent setups
- Vendors operating in leased lots, parking areas, or retail spaces
- Operations requiring short-term coverage during the holiday season
Common exposures such as customer slip-and-falls, theft of inventory, and weather-related property damage can be addressed. Accounts with clean loss history and organized risk management practices are preferred.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 Occurrence and Aggregate
- $5,000 Medical Payments included
- Excess or Umbrella limits available up to $25,000,000
- No deductible required
Crime Coverage:
- Inside the Premises – Theft of Money and Securities
- Robbery or Safe Burglary of Other Property
- Outside the Premises coverage
Property Coverage Options:
- Basic, Broad, or Special Form
- Building and Contents
- Business Income and Equipment Breakdown
- Computer Equipment and Inland Marine
- Food Spoilage and Outside Signs
- Accounts Receivable and Valuable Papers
- Replacement Cost or Actual Cash Value
This comprehensive set of coverages allows agents to present fully packaged solutions to seasonal clients, with flexible options to meet different risk profiles.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on risk characteristics, location, and coverage selections. Colonial General evaluates each submission individually and offers flexible underwriting for seasonal operations. Agents should be prepared to provide details on operating hours, security measures, and prior claims, if any.
Territories and Availability
This program is available in the following Western states:
- Arizona
- California
- Colorado
- Idaho
- Nevada
- New Mexico
- Utah
- Wyoming
Some admitted markets are available, depending on the state and account profile.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep experience in placing niche seasonal risks. Their team understands the short duration and unique exposures of Christmas tree lots and works with a variety of carriers to find the right fit. With responsive service and access to both admitted and non-admitted markets, Colonial General is a valuable resource for agents looking to write seasonal tree lot business quickly and effectively.
Contact Colonial General Insurance Agency, Inc. today to learn more about how you can place your Christmas Tree Lots Insurance accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for seasonal Christmas tree lot operators, particularly those with temporary setups in parking lots, retail areas, or leased spaces during the holiday season.
Is this program available in all states?
No, the program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both property and liability coverages available?
Yes, agents can access property and liability coverage on a mono-line or package basis depending on the client's needs.
What documentation is needed for underwriting?
Basic information such as location details, operating dates, security measures, and prior loss history will help expedite underwriting.
Can I get coverage for theft or burglary?
Yes, the program includes crime coverage options for theft of money, securities, and property both inside and outside the premises.
Need help placing an account? Connect with a market specialist.