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Policy Highlights for Club Insurance: Colonial General Insurance Agency, Inc. offers a specialized Club Insurance program built for civic, luncheon, service, and social clubs — including fraternal lodges. The program helps agents and brokers place accounts that operate private club facilities and need flexible property and liability protection. Whether you represent a small local lodge or a larger social club, this solution gives you options to address common club exposures. Ideal Accounts and Appetite This program fits both non-profit and for-profit clubs such as: Civic and community service organizations Luncheon and networking clubs Fraternal organizations and lodges Private social clubs with or without liquor service It is well suited for clubs that own or lease premises, host frequent events, serve alcohol, or rely on volunteers and members. Accounts that need Additional Insureds for members or volunteers are a strong match. Risks with clear operations, routine loss control, and reasonable alcohol management practices place most smoothly. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments—included Club members can be added as Additional Insureds Sexual and Physical Abuse coverage included: $25,000 per claim / $50,000 aggregate Liquor Liability available for clubs that serve alcohol Excess or Umbrella capacity up to $25,000,000 No deductible required Property Coverage: Building, Contents, and Equipment Breakdown Business Income and Food Spoilage Computer Equipment and Valuable Papers Outside Signs and Accounts Receivable Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value (ACV) valuation Crime Coverage: Inside the Premises—Theft of Money and Securities Robbery or Safe Burglary of Other Property Outside the Premises coverage available Underwriting Notes Colonial General places club business through a mix of admitted and non-admitted markets depending on the risk and location. Underwriting is flexible and focused on customizing coverage to each club’s operations. Typical considerations include alcohol exposure, event frequency and size, security practices, and the club’s claims history. While specific minimum premium levels are not published here, cleaner risk profiles and documented controls improve placement prospects. Territories and Availability This Club Insurance program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Agents in these states can access the program through Colonial General’s market relationships. Why Work With Colonial General? Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines broker with specialized experience placing niche and member-based risks. The firm pairs targeted underwriting with access to multiple admitted and E&S carriers, giving you flexibility when standard markets won’t fit. Their underwriting teams understand club operations and common exposures, which helps speed binding and tailor coverage for complex accounts. Example account scenarios: You represent a community lodge that rents its space for weekly events and wants liquor liability plus property and crime coverage — this program can combine those coverages with member Additional Insured language. You have a regional social club with kitchen operations and business income exposure after a loss — quoting options include equipment breakdown, food spoilage, and income protection alongside liability limits up to $3M. Whether the client is a small volunteer-run organization or a larger private club with regular paid staff and liquor service, Colonial General provides the markets and underwriting flexibility to help you place the account. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for civic, social, luncheon, fraternal, and service clubs, including lodges and private membership-based organizations. Is Liquor Liability included in the coverage?Liquor Liability is available as part of the Club Insurance program, making it suitable for clubs that serve alcoholic beverages. What territories is this program available in?This program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Are club members automatically covered under the liability policy?Club members can be included as Additional Insureds under the liability portion of the policy. What limits are available for General Liability?Primary General Liability limits are available up to $3,000,000 occurrence/aggregate, with Umbrella or Excess limits up to $25,000,000. Need help placing an account? Connect with a market specialist.

Colonial General Insurance Agency, Inc. offers a Lessor's Risk Insurance program to help agents place coverage for commercial property owners who lease space to tenants. The program combines Property and Commercial General Liability protection and can be written on a mono-line or packaged basis to match the needs of retail, office, light industrial, or mixed-use properties. Ideal Accounts and Appetite This program is a strong fit for property owners who lease their buildings to commercial tenants. Typical risks include: Retail shopping centers and plazas Office complexes and professional buildings Light industrial or flex buildings Mixed-use commercial properties with retail and office units Examples you might see: a small shopping plaza in California with multiple tenants (including a dry cleaner and a restaurant), or a landlord in Colorado leasing a professional office building. Colonial General’s appetite is focused on conventional leased commercial real estate where landlord controls common areas and seeks coverage for building, loss of income, and liability exposures. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 Per Occurrence / Aggregate $5,000 Medical Payments included Additional interests can be added for $100 each (useful for tenants, lenders) Excess / Umbrella capacity up to $25,000,000 for layering No liability deductible required Property Coverage Options: Basic, Broad, or Special (CP) forms Building and Business Personal Property (contents) Business Income and Extra Expense Replacement Cost or Actual Cash Value settlements Accounts Receivable, Valuable Papers, Computer Equipment Equipment Breakdown and Outside Signs Crime Coverage Options: 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 Colonial General places these risks through a mix of admitted and non-admitted markets depending on the state and exposure. Each submission is reviewed to confirm fit and deductible/limit options. Liability typically carries no deductible and the program permits layering with umbrella or excess policies up to $25 million. Provide complete unit-level exposures, tenant use details, and any leasehold or loss-payee/lender requirements at submission to speed placement. Territories and Availability This program is available in the following western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has extensive market experience in these states and can help you navigate state-specific placement issues. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines underwriting expertise with broad market access. Agents benefit from responsive underwriting, flexible admitted and non-admitted options, and service geared to commercial property risks—whether you are placing a single building or a portfolio of leased properties. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Lessor's Risk Insurance?This program is ideal for property owners who lease commercial buildings such as retail centers, office complexes, light industrial buildings, and mixed-use properties to tenants. Is the program available on an admitted or non-admitted basis?Colonial General places business through both admitted and non-admitted markets depending on the state, carrier appetite, and the specific exposures of the account. What limits are available under the liability portion?Primary liability limits are available up to $3,000,000 per occurrence/aggregate, with excess or umbrella capacity available up to $25,000,000. In which states is this program available?The Lessor's Risk program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can additional insureds or interests be added to the policy?Yes. Additional interests can be added for $100 each to meet tenant, lender, or contract requirements. Need help placing an account? Connect with a market specialist.