Colonial General Insurance Agency, Inc. offers a specialized Hall Insurance program tailored for venues and food-service providers operating in event settings. Eligible operations include banquet and reception halls, event venues, independent caterers, catering trucks, sandwich and food trucks, and ice cream vendors serving weddings, private parties, business meetings, fairs and festivals. Coverage can be written on a mono-line or package basis to match a wide range of client needs.
Ideal Accounts and Appetite
This program is a strong fit for insureds that host events or provide mobile food service. Typical accounts include:
- Banquet and reception halls used for weddings, conferences, or private events
- Event venues that host public and private gatherings
- Independent catering companies providing on-site event food service
- Mobile food vendors such as catering trucks and ice cream trucks
Whether the client operates a fixed event space or a fleet of mobile vendors, Colonial General’s Hall Insurance program addresses the common liability, property and crime exposures these operations face.
Coverage Highlights and Advantages
General Liability (CGL) Coverage:
- Primary limits available up to $3,000,000 occurrence/aggregate
- $5,000 Medical Payments coverage included
- Liquor liability offered where appropriate and where state rules allow
- Excess or umbrella limits offered up to $25,000,000
- Additional interests can be added for $100 each
- No deductible required on the primary liability forms
Property Coverage Options:
- Building and contents coverage
- Business income and equipment breakdown
- Computer equipment and valuable papers
- Food spoilage, outside signs, and inland marine
- Accounts receivable
- Basic, broad, or special form available
- Choice of replacement cost or actual cash value valuation
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 for transit and off-site exposures
Underwriting Notes and Minimum Premiums
Colonial General places accounts in both admitted and non-admitted markets depending on state and risk characteristics. Underwriting evaluates exposures such as alcohol service, kitchen operations, vehicle operations for mobile vendors, special-event hazards, and premises security. There is no single stated minimum premium; agents should submit details so underwriters can quote appropriately for the size and complexity of the account.
Territories and Availability
The Hall Insurance program is available in: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY).
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings focused expertise in hospitality and event-related risks. The firm leverages admitted and E&S markets to tailor solutions for venues and food-service operators, offering flexible coverages and capacity for larger limits. Colonial General's underwriters understand the operational nuances of event venues and mobile vendors and can coordinate property, liability, liquor and inland marine needs on a single placement when appropriate.
Example scenarios that fit this program:
- You have a client who operates a mid-sized banquet hall that occasionally serves alcohol and needs combined property, general liability and liquor liability coverage.
- You represent a mobile ice cream vendor that attends seasonal fairs and festivals and needs general liability plus inland marine or auto-related coverage for equipment and stock.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for banquet halls, event venues, catering services, food trucks, and ice cream trucks that serve private and public events.
Is liquor liability coverage available?
Yes. Liquor liability can be included as part of General Liability where appropriate, subject to the risk profile and state regulations.
What is the maximum limit available under the umbrella policy?
Excess and umbrella limits are available up to $25,000,000.
Do you offer coverage for mobile food vendors operating across multiple states?
Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Mobile vendors operating within these states can be considered; multistate exposures should be detailed on submission.
Are there any minimum premium requirements?
No specific minimum premium is listed. Submissions are evaluated and priced based on exposure, limits and coverage selections.
Need help placing an account? Connect with a market specialist.