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Machine Shops - "Why Explain Your Business?"
MACHINE SHOPS - 'WHY EXPLAIN YOUR BUSINESS?' Dear (Customer Name): (Your Agency Name) knows that in your business, a jig isn't a dance, die isn't the singular for dice, and bar stock doesn't refer to the liquor supply. Machine shops have their own special terms and their own special insurance needs. As a specialist in the machine shop industry for more than ( ) years, we know what those terms and needs are. For example, you often have jigs, dies, and other property belonging to your customers on the premises. That means you need extra coverage for your customers' property while it's in your care, custody, or control. Why waste time explaining your business when you can come to us? We can also help you with your risk management needs. We'll call you soon for an appointment. Sincerely, (Your Name)

... crafts, music, parades, dancing, eating, drinking, etc. They attract...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a targeted Health Studio Insurance program designed for health and fitness businesses. This program is built to help agents place liability and property solutions for exercise equipment clubs, aerobic and dance studios, weightlifting and general fitness gyms, personal trainers, massage practitioners, physical therapists, and similar in-person wellness services. Clubs that provide on-site childcare to members are also eligible. Ideal Accounts and Appetite This program fits active, in-person health and fitness operations. You can place small single-trainer studios, boutique specialty studios, or larger full-equipment fitness centers. Massage parlors, dance schools, and outpatient physical therapy clinics are within appetite when operations are supervised and licensed as required. Hybrid or niche wellness businesses (for example, studios that combine personal training with classes) may qualify as long as high-risk activities are controlled. Typical classes that fit: Personal trainers and small group training studios Aerobic, yoga, dance, and cycling studios Weightlifting and general fitness gyms Licensed massage therapy and daycare for members Physical therapy clinics with supervised patient care Operations that often do NOT fit include large combat/sparring gyms, businesses with uncontrolled youth programs or unlicensed medical procedures, and facilities with significant premises hazards that cannot be mitigated. For borderline or higher-exposure risks, Colonial General can often evaluate on a submission basis and access specialty E&S markets. Example accounts you might place: A boutique Pilates studio with five instructors and member classes—needs general liability, E&O for instructors, and contents coverage. A mid-sized gym offering personal training and supervised childcare for members—requires combined GL, property, and abuse/molestation limits plus hired/non-owned auto for trainers. Coverage Highlights and Advantages Commercial General Liability Primary limits available up to $3,000,000 per occurrence and aggregate Liquor Liability available where applicable Hired and Non-Owned Auto coverage Excess/Umbrella limits accessible up to $25,000,000 Included and optional coverages Medical Payments — $5,000 limit included Blanket Additional Insured endorsement; club members can be named as additional insureds Errors & Omissions (E&O) coverage up to policy limits for professional services Sexual and Physical Abuse coverage — $25,000 per claim / $50,000 aggregate (higher limits may be available) No deductible required on some liability placements Loss prevention brochure provided to insureds Property and Inland Marine Buildings and Contents Business Income and Extra Expense Equipment Breakdown and Computer Equipment Food Spoilage, Outside Signs, Inland Marine, Valuable Papers, Accounts Receivable Basic, Broad, or Special forms with Replacement Cost or ACV options Crime coverages Inside the Premises — Theft of Money and Securities Inside the Premises — Robbery or Safe Burglary of Other Property Outside the Premises coverage options Underwriting Notes and Access Colonial General can write coverage as a mono-line or a package policy depending on the account’s needs. The program places business through a mix of admitted and non-admitted markets — availability depends on state regulations and the account’s risk profile. Underwriters look for documented staff training, safety protocols, signed waivers where appropriate, clear supervision for youth or childcare programs, and up-to-date licenses for regulated services (e.g., massage therapy, physical therapy). Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Markets offered include both admitted and surplus options, varying by state and carrier appetite. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides specialized market access for health and wellness risks. Their underwriting team understands common exposures—professional liability for instructors, premises risks for equipment, and sensitive exposures like abuse/molestation—and can assemble tailored solutions across multiple carriers. Colonial General focuses on responsive service and practical loss-control guidance to help you close and service accounts efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for fitness studios, gyms, aerobics or dance studios, massage parlors, personal trainers, and physical therapists. It also accommodates facilities offering on-site childcare for members during workouts. Is this program available nationwide?No. The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are mono-line and package policies both available?Yes. Coverage can be written as a mono-line or as a package policy depending on the client's exposures and preferred structure. Does the policy include coverage for sexual and physical abuse claims?Yes. The policy includes Sexual and Physical Abuse coverage with limits of $25,000 per claim and $50,000 aggregate; higher limits may be available on request. Can club members be added as additional insureds?Yes. The program includes a blanket Additional Insured endorsement and specifically allows club members to be listed as additional insureds where needed. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Exercise Studio Insurance program designed for a wide range of health and fitness businesses. This program provides comprehensive Property and Liability coverage on a mono-line or package basis, making it flexible and easy to tailor to your clients’ needs. Ideal risks include exercise equipment clubs, aerobic studios, weightlifting gyms, personal trainers, massage parlors, dance studios, and physical therapists. Childcare services offered on premises for club members are also covered. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary Limits available up to $3,000,000 per occurrence / aggregate Liquor Liability (where applicable) Hired and Non-Owned Auto coverage Excess or Umbrella Limits up to $25,000,000 Included Endorsements and Features: Medical Payments Coverage – $5,000 Limit Blanket Additional Insured Endorsement Club Members included as Additional Insureds Errors and Omissions Coverage – up to policy limits Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (optional higher limits available) No deductible required Loss Prevention Brochure provided Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown and Food Spoilage Inland Marine and Valuable Papers Outside Signs Accounts Receivable Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property – Inside the Premises Theft and Robbery – Outside the Premises Ideal Accounts and Appetite This program is an excellent fit for small to mid-sized fitness-related businesses that require both liability and property protection. You can confidently place accounts such as: A suburban dance studio with part-time instructors and a modest inventory of sound equipment A boutique personal training gym offering massage services and member childcare A yoga or Pilates studio looking for Errors and Omissions and Abuse & Molestation coverage Businesses offering high-risk activities like rock climbing or martial arts may fall outside of appetite—check with underwriting for clarification. Underwriting Notes Colonial General works with a range of carriers (markets vary) and can access both admitted and non-admitted options depending on the account and state. No deductible is required for standard policies, and abuse coverage can be increased upon request. Minimum premiums may vary—contact underwriting for specifics on your client’s risk profile. Territories and Availability This Exercise Studio Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers deep experience in niche commercial programs. Their Exercise Studio Insurance program is structured to help agents efficiently place fitness and wellness business with tailored coverage options and competitive limits. From streamlined underwriting to value-added resources like loss prevention materials, Colonial General supports agents in delivering strong solutions for fitness-related risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include exercise studios, personal training gyms, dance studios, massage parlors, and physical therapy offices. Facilities that offer member childcare or wellness services are also eligible. Is childcare coverage included in the policy?Yes, coverage is available for childcare provided to club members while on the premises, subject to underwriting approval. Can I get Abuse and Molestation coverage with higher limits?Yes, the standard policy includes $25,000 per claim and $50,000 aggregate, but higher limits are available upon request. In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available for General Liability?Primary limits up to $3,000,000 occurrence/aggregate are available, with excess or umbrella coverage up to $25,000,000. Need help placing an account? Connect with a market specialist.

...onal Coverages - Inland Marine - Supplies and Inventory - Equipment and Conten...

Policy Highlights for Special Events: Colonial General Insurance Agency, Inc. offers a dedicated Special Events Insurance program that helps agents and brokers place short-term event risks with flexible underwriting and wide coverage options. Whether your client is staging a small neighborhood fundraiser or a large public festival, this program supports tailored Property and Liability solutions on a mono-line or package basis. Ideal Accounts and Appetite This program fits a broad variety of temporary and seasonal events, including: Art and craft shows Bazaars and exhibitions Concerts and dances Festivals and fairs Bicycle and running events Christmas tree lots and pumpkin patches Firework displays and stands Haunted houses Meetings and trade shows Programs are designed for events with moderate to high foot traffic, temporary structures, rented equipment, and food or alcohol service. Coverages can be tailored to include liquor liability and crime exposures when needed. Example scenarios: You have a client running a three-day street festival with food vendors and live music — coverage can include general liability, liquor liability for vendor sales, and inland marine for rented equipment. You represent a nonprofit planning a one-day charity run with temporary road closures and high participant counts — the program can provide high occurrence limits and medical payments coverage to manage participant exposures. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence/Aggregate Liquor liability available for qualifying events Medical payments included—$5,000 limit Excess/Umbrella capacity up to $25,000,000 No deductible required in many cases Property Coverage: Building and contents for temporary structures Business income and equipment breakdown Computer equipment and outside signs Food spoilage and inland marine for transported or rented items Valuable papers and accounts receivable Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value options Crime Coverage: Inside the premises—Theft of money and securities Inside the premises—Robbery or safe burglary of other property Outside the premises coverage for in-transit exposures Underwriting Notes and Market Access Colonial General works with multiple admitted and non-admitted markets to provide flexible placement options. Underwriting emphasizes the specific exposures of each event—attendance, alcohol service, vendor operations, temporary structures, and security plans are key factors. There is no required minimum deductible, and submissions are streamlined for quick quoting and binding. Contact Colonial General to confirm carrier availability and appetite for higher-risk or high-attendance events. Territories and Availability This Special Events program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise with broad market access. Agents benefit from a responsive underwriting team, multiple carrier options (admitted and non-admitted where available), and experience placing complex or nonstandard event risks. Colonial General can help you structure limits and endorsements to match each event’s risk profile and deliver turnkey proposals to your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?Temporary and seasonal events—festivals, fairs, concerts, art shows, haunted houses, and food/beverage events—are a strong fit, including those requiring liquor liability. Can I get liquor liability coverage for events that serve alcohol?Yes. Liquor liability is available for qualifying events where alcohol is served or sold; underwriting will evaluate service method, controls, and vendor operations. Is there a minimum premium requirement for this program?Minimums vary by event type, location, and coverages selected. Reach out to Colonial General for specific underwriting thresholds and quick premium guidance. Which states is this program available in?This Special Events Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. How quickly can coverage be bound for a special event?Colonial General offers a streamlined submission and quoting process for most event risks, enabling fast turnaround on quotes and binding when required documents are provided. Need help placing an account? Connect with a market specialist.

Overview — Colonial General Insurance Agency, Inc. — Deli Insurance Colonial General Insurance Agency, Inc. offers a Deli Insurance program designed for independent agents and brokers placing coverage for food service establishments—dine-in or take-out operations. This program provides both property and liability options, written mono-line or as a package, and is best suited for small to mid-sized delis, sandwich shops, bakery-cafés, and similar food-service risks where alcohol sales are incidental (less than 30% of gross sales). Policy Highlights Key liability and property features available through this program: Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate $5,000 Medical Payments coverage — included Additional interests — included at no charge Liquor Liability coverage available (alcohol sales must be under 30% of gross sales) Excess / Umbrella limits available up to $25,000,000 No deductible required on liability in many instances Property Coverage Options Selectable property features to protect the physical location, equipment and income: Accounts Receivable Basic, Broad or Special Form Building and/or Contents Business Income and Extra Expense Computer Equipment and Equipment Breakdown Food Spoilage and Inland Marine for rolling stock or equipment Outside Signs Replacement Cost or Actual Cash Value valuation Valuable Papers Crime Coverage Inside the Premises — Theft of Money and Securities Inside the Premises — Robbery or Safe Burglary of Other Property Outside the Premises Ideal Accounts and Appetite The program is tailored for: Independent delis, sandwich shops, small catering prep kitchens, and café/deli hybrids Locations with mostly prepared-food sales and limited alcohol service (less than 30% of revenue) Single-location or small multi-location operations without significant high-risk exposures (no on-site dance/entertainment, late-night bars, or large banquet operations) Typically not a fit: businesses where alcohol sales exceed 30% of gross receipts, full-scale bars/nightclubs, major catering operations with frequent large events, or accounts with serious open claims or uncontrolled loss history. Underwriting Notes Common submission requirements include a completed application, recent loss runs, current revenue breakdown (food vs. alcohol), menu or operations description, and proof of any licenses (e.g., liquor license). Underwriters will evaluate hours of operation, delivery services, catering exposure, safety controls (fire suppression in cooking areas), and prior loss history. Appetite and terms may vary by market; Colonial General places this business through a mix of admitted and non-admitted carriers (Some Available Markets). Carriers vary by risk characteristics and state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage availability and form (admitted vs. non-admitted) depend on the state and carrier. Confirm state eligibility and any market-specific requirements at submission. Examples — Good Fits A neighborhood deli with dine-in and takeout, annual gross sales under $1.5M, limited alcohol by the bottle and beer/wine sales under 20% of revenue — ideal for combined property and GL with liquor liability. A small deli with a delivery and catering arm, modest kitchen equipment, and a history of clean loss runs — fits well for package placement including equipment breakdown and food spoilage coverage. Why Work With Colonial General on Deli Business? As an MGA and excess & surplus lines broker, Colonial General provides agents access to multiple markets and flexible packaging for food-service risks. The program balances liability limits up to $3M (with sizable umbrella capacity), crime and property options tailored to deli operations, and straightforward underwriting for common deli exposures. Colonial General is positioned to help agents place unique or borderline risks that need excess capacity or specialized E&S solutions. Frequently Asked Questions What types of deli accounts are the best fit for this program?The program is best for small to mid-sized delis, sandwich shops, and café/deli hybrids with primarily food sales and limited alcohol service (under 30% of gross sales). Single-location operators and small multi-location owners with manageable loss history typically fit well. Is liquor liability available and are there limits on alcohol sales?Yes — liquor liability coverage is available, but underwriters generally require alcohol to be less than 30% of gross sales. Verify the alcohol percentage and provide a copy of any liquor license at submission. Which states and market types are supported?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage may be placed with admitted or non-admitted markets depending on state and risk characteristics; carriers vary by submission. Need help placing an account? Connect with a market specialist.

Protecting the American Dream is our specialty. Midlands provides tailored, comprehensive insurance solutions for small and mid-sized businesses. This flexible Business Owners Commercial Package Policy lets you mix and match coverages so your clients get a package that meets their unique operations and exposures. Let Midlands’ underwriting team evaluate the risk and deliver a prompt, market-informed quote. Coverage Available: • Commercial auto • General liability • Umbrella/excess • Property • Inland marine • Workers compensation • Liquor liability • More based on type of risk *Please note that coverage is subject to policy terms, conditions, exclusions, underwriting review and approval and may not be available for all risks or in all states. Rates, discounts and underwriting rules vary, are determined by many factors and are subject to change. Program Highlights: • Low minimum premiums • Competitive commissions • New class codes continuously added • Ability to build customized programs to match unique risks and coverage needs • Admitted and non-admitted paper available • Prompt quotes • Superior claims handling, service and benefits coordination • Direct access to a skilled underwriting team with decades of combined experience The Midlands Business Owners Commercial Package Policy is convenient to place and supports more than 600 classes of business. We maintain a broad appetite that includes — but is not limited to — the examples listed below. • Private Schools • Landscaping • Investment Advisors • Health Clubs • Agriculture • Child Care • Gyms • Nonprofits • Charter School • Farm/Ranch • Wholesalers • Distributors • Light Manufacturing • Youth Camps • Day Care Centers • Yoga Studio • Preschools • Asset Managers • Recreation Centers • Museums • Fishing/ Hunting Lodge • Pest Control • Charter Schools • Colleges • Emergency Medical Transportation • Non-emergency Medical Transportation • Trade Schools • Dance Schools • Human Services • Boys & Girls Clubs • Equine Risks • Food Banks • Sports Camps/Clinics • Counseling Services • Show Animal Clubs • Retail • Carpet Cleaning • Fence Installation • Bakery • Electrician • Healthcare • Convenience Store • Barber Shop • Cafe • Clerical • Carpentry • Grocery • Sandwich Shop • Landscaping • Ice Cream/Yogurt Shop • Restaurant • Dentist • Bicycle Shop • Florist • Optometrist • Accountant • Hair Salon • Wholesale • Distribution • Chiropractors • Candy Store • Consulting Firm • Photographers • Doctors • Title Agents • Tailor • Shoe Repair • Physical Therapist • Book Store • Insurance Agents • Orthodontists • Beauty Supply • Interior Decorators • Jewelry Repair • Engravers Your clients have worked hard to build their businesses. Midlands’ Business Owners Commercial Package Policy is designed to exceed expectations and safeguard your clients’ livelihoods. Contact us today for a quote. Ideal Accounts and Appetite Midlands is focused on small to mid-sized commercial risks that need a flexible package solution. This program works well for owner-operated businesses, professional service firms, light manufacturing, retail and food service, childcare and educational operations, nonprofits, and selected habitational and recreational exposures. Accounts with straightforward operations, well-documented loss control, and reasonable payroll/revenue levels are a strong fit. Examples you may see as an agent: A neighborhood bakery with property, general liability and commercial auto exposures looking for an admitted package. A small landscaping company that needs property, inland marine for equipment, and workers’ compensation on a non-admitted placement. Coverage Highlights and Advantages Package flexibility — combine property, liability, auto, workers’ compensation and ancillary coverages to create a tailored program. Access to admitted and non-admitted markets depending on state and risk characteristics. Direct underwriting access — quick responses and the ability to negotiate tailored terms for unique risks. Broad class code appetite with new classes added regularly to meet evolving agent needs. Coordinated claims support and benefits handling to help your insureds return to business faster after a loss. Underwriting Notes and Minimum Premiums Underwriting review and approval apply. Coverage availability and pricing depend on class code, limits, loss history, exposure details and state regulations. Minimum premiums vary by carrier and state — please note the program’s minimum premium guidance is listed as: Varies. For unusual exposures, large limits, or operations with significant loss activity, submit full details for evaluation. Territories and Availability This program is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placement options include admitted and non-admitted paper depending on state and carrier appetite; Midlands works across most available markets to find the right fit. Why Work With Midlands Management Corp on This Business Managing General Agency and carrier relationships with multiple markets to maximize placement options. Experienced underwriting team that offers practical, solution-oriented guidance to agents. Competitive commissions and low minimum premium options where available. Prompt quoting and responsive service to keep your submission pipeline moving. Frequently Asked Questions What types of accounts are a good fit for the Midlands Business Owners (BOP) Commercial Package Policy?Small to mid-sized owner-operated businesses such as retail shops, restaurants, light manufacturers, professional services, childcare and community organizations—especially accounts that need a flexible combination of property, liability, auto and workers’ comp coverages. Are admitted and non-admitted placements available?Yes. Midlands places paper on both admitted and non-admitted bases depending on the state, class, and risk characteristics. Underwriters can advise on the best route for each account. What information should I include on submission to get a fast response?Provide a signed application, current loss runs (typically three to five years), revenue/payroll exposure details, and descriptions of operations and risk control measures. For accounts with vehicles or employees, include auto schedules and payroll breakdowns. Need help placing an account? Connect with a market specialist.