Search CompleteMarkets

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.

...ge to the event planner’s office supplies, equipment, furnishings, improvement...

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

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.

...tclubs with live entertainment or dancing Restaurants with alcohol sales exc...