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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.

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

K&K Insurance offers a Product Liability Insurance Program developed for the sports, leisure and entertainment industry with emphasis on automobile, motorcycle, sports equipment, boat, trailer and amusement ride manufacturers. The program includes most support industries and other tough product liability classes. Eligible Operations for Product Liability Insurance: - Auto, motorcycle, truck parts - Baby products - Boats and marine equipment - Camping equipment - Collector car kits, street rods, kit cars - Custom motorcycle manufacturers - Distributors - Exercise equipment - Furniture - Gymnastic and martial art equipment - Industrial products - Importers - Manufacturers - Medical equipment - New Ventures - Nutraceuticals - Racing equipment and parts - Ski equipment, snow boards, skateboards - Sports equipment - Trailers and recreational vehicles - Vitamins and Supplements Coverages Available & Program Highlights: Products Liability Feabures - Vendors as Additional Insureds - Worldwide Coverage - Occurrence or Claims-made policy forms - Deductible and SIR Options Available General Liability (including products coverage) Umbrella/Excess Liability Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Overview — Colonial General Insurance Agency: Personal Trainer Insurance Program Colonial General Insurance Agency, Inc. offers a targeted Personal Trainer Insurance program designed for agents placing coverage for independent trainers, small studios, and fitness clubs. As a managing general agency and excess & surplus lines broker, Colonial General provides flexible property and liability solutions — including monoline and package options — with admitted placements available in some markets and non-admitted/E&S capacity where needed. Ideal accounts and appetite Independent personal trainers and instructors working in studios, gyms, or clients' homes Small to medium-sized fitness facilities: aerobic studios, weight lifting gyms, dance studios, and boutique exercise clubs Related professionals such as sports masseuses, physical therapists (where permitted), and studios that provide on-premises childcare for members Less appetite for large multi-location fitness chains, significant spectator events, or high-risk specialty training operations without prior submission Coverage highlights and advantages This program bundles important protections tailored to fitness professionals and facilities: Commercial General Liability — Primary limits available up to $3,000,000 occurrence and aggregate Excess / Umbrella limits available up to $25,000,000 Included coverages: Medical Payments ($5,000), Blanket Additional Insured endorsement, club members listed as additional insureds, and an Errors & Omissions coverage part (policy limits) Sexual and Physical Abuse coverage — $25,000 per claim / $50,000 aggregate (higher optional limits available) Optional extensions often available: Liquor Liability, Hired & Non-Owned Auto No deductible required on the standard liability form; loss prevention brochure and risk-control guidance available to insureds Property and ancillary coverages Property forms may be written on basic, broad, or special causes of loss and can include: Building, Contents, Equipment Breakdown, Computer Equipment Business Income, Accounts Receivable, Valuable Papers, Inland Marine, Outside Signs Replacement Cost or Actual Cash Value settlement options; Food Spoilage and other niche endorsements available Crime coverage Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Underwriting notes and submissions When submitting, include current operations details, training formats (one-on-one, small group, virtual), any childcare services offered on premises, and loss history. The program evaluates exposures such as client contact, equipment use, and allegations of professional negligence or abuse. Colonial General can consider both monoline liability and package property/liability submissions; higher limits, E&O, and sexual abuse coverages are available on request. Territories and licensing Program availability includes: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available where carriers are licensed; other placements may be on a non-admitted/E&S basis depending on state and account characteristics. Carriers vary by risk and market conditions. Why place this business with Colonial General MGA and E&S brokerage expertise focused on fitness and wellness classes of business Access to multiple carriers and limit options up to large umbrella capacity Policy forms tailored for trainers and small fitness operations with bundled E&O and abuse coverage options Dedicated underwriting and loss-control materials to help reduce exposures and support renewals Example accounts that fit well - A lone personal trainer who provides 1:1 and small group sessions out of a rented studio and needs combined general liability and professional liability limits with optional hired/non-owned auto. - A boutique aerobic studio with on-site childcare and a small retail area seeking a package policy including contents, business income, and liability with abuse coverage. Frequently Asked Questions What types of personal trainer operations are a good fit for this program?Independent trainers, boutique studios, aerobic and dance studios, small gyms, and related professionals (massage therapists, physical therapists where permitted) are good fits. The program favors operations with documented safety procedures and limited high-risk activities. Are professional liability (E&O) and sexual abuse coverages included?Yes. The program includes an Errors & Omissions part at policy limits and Sexual & Physical Abuse coverage at $25,000 per claim / $50,000 aggregate, with higher optional limits available upon request. Can I place accounts with clients who provide childcare while members train?Yes. Childcare for club members while on premises is included as part of the program, but full details and any underwriting requirements should be submitted with the application to confirm eligibility. Which states and admission statuses are available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted placements; other risks may require non-admitted or E&S placement depending on the state and account specifics. Need help placing an account? Connect with a market specialist.