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Golf carts are no longer limited to the greens—they're now common in neighborhoods, airports, senior communities, college campuses, resorts, hospitals, and more. As their usage expands, so do the risks. With speeds up to 25 mph and often lacking safety features, golf carts can cause serious bodily injury or property damage. That's why insurance coverage tailored to this exposure is essential. Golf Cart Insurance Program from Prime Insurance Company Prime Insurance Company offers a flexible and comprehensive Golf Cart Insurance program designed to meet the growing demand for coverage in both personal and business uses of golf carts. Whether your insured is a homeowner renting out a property with a cart, or a business offering cart rentals or branded transportation services, Prime has solutions to help you write the business. Ideal Accounts and Appetite This program is well-suited for a variety of risks, including: • Homeowners or landlords who provide golf carts for guest use • Golf cart rental companies operating at beaches, resorts, or event venues • Businesses using golf carts for promotional or shuttle services (e.g., bar-to-bar or restaurant-to-parking lot transport) • Property owners in communities where golf carts are a common mode of transportation Prime welcomes both standard and hard-to-place risks. Many property owners may not realize that their homeowners or commercial general liability policies do not cover golf cart exposures. That's where this specialty program comes in. Coverage Highlights and Advantages Prime takes an all-in-one approach to recreational and utility vehicles, offering coverage for: • Golf Carts • Golf Cart Rentals • Golf Cart Equipment • ATVs • Personal Watercraft Coverage can be customized to meet the unique needs of your client. Liability, physical damage, and equipment coverage options are available, and Prime works closely with agents and brokers to develop solutions that fit each account. Underwriting Notes and Minimum Premiums Prime underwrites each submission individually and provides flexible solutions based on risk characteristics. While minimum premiums vary by state and exposure, agents can expect competitive pricing and responsive service. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, TX, NY, GA, AZ, CO, and many others. Admitted coverage is available in select states, with non-admitted options offered where needed. Why Work With Prime Insurance Company? As a carrier with expertise in specialty risks, Prime Insurance Company offers a hands-on underwriting approach and a willingness to write tough classes that many others decline. You’ll benefit from: Direct access to underwriters who understand niche exposures Customized policy options for unique risks Coverage solutions for both personal and commercial use Fast quote turnaround and excellent service Let Prime help you place your next golf cart risk—whether it's a private homeowner or a commercial rental fleet. For more information, visit our company profile or explore the Golf Cart Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits homeowners, landlords, rental companies, and businesses using golf carts for transportation or advertising purposes. Does a standard homeowners or general liability policy cover golf carts?In most cases, no. Standard policies often exclude golf cart exposures, especially when used off-premises or for commercial purposes. Can I submit risks with prior claims or unusual usage?Yes, Prime considers both standard and hard-to-place risks, including those with prior losses or unique operational needs. Is this program available in all states?The program is available in most U.S. states, with admitted coverage in select states and non-admitted options where necessary. What types of vehicles are covered under this program?The program covers golf carts, golf cart rentals, golf cart equipment, ATVs, and personal watercraft. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a dedicated Driving Range Insurance program to help independent agents place coverage for public and private golf operations — including outdoor and indoor driving ranges, miniature golf, country clubs, and pro shop operations. This program is delivered through Colonial General as a managing general agency and excess & surplus lines broker with access to multiple markets (carriers vary). Overview of the Program from Colonial General This Driving Range Insurance program combines property, liability, crime and inland marine solutions on a monoline or packaged basis. It is designed for driving-range-focused operations that need tailored limits, ancillary coverages (golf carts, bailee’s coverage for pro shops, equipment breakdown), and excess/umbrella capacity. Admitted options are available in some markets; non-admitted E&S placement is supported where appropriate. Ideal Accounts and Appetite Public and private driving ranges (indoor and outdoor) Country clubs and golf courses with range facilities Miniature golf courses and entertainment complexes with limited lodging Pro shops, food/beverage concessions, and accessory retail operations on-site Accounts that fit best typically have routine range operations, managed crowd control, designated hitting bays, documented maintenance programs for tees and greens, and standard cart fleets. Complex operations with large-scale events, extensive on-site lodging, or high-hazard attractions may require specialized underwriting review. Coverage Highlights and Advantages The program includes robust liability and property features to address the common exposures of range operations: Commercial General Liability — Primary limits available up to $3,000,000 occurrence and aggregate; additional interests included; hired & non-owned auto included; $5,000 medical payments included; liquor liability available; excess/umbrella capacity up to $25,000,000; often no deductible required for liability. Property Coverages — Building, contents, equipment breakdown, replacement cost or ACV options, damage to greens and tee boxes, sprinklers, computer equipment, valuable papers, business income and extra expense, food spoilage, contractor’s equipment, and inland marine for golf carts. Crime Coverage — Inside premises (theft of money and securities; robbery/safe burglary of other property) and outside the premises. Pro Shop and Operations — Bailee’s coverage for pro shop, accounts receivable, and other retail-related exposures can be included. Underwriting Notes Submission requirements typically include an ACORD application, current loss runs, schedule of operations (hours, seasonal usage), details on food/beverage and alcohol service if applicable, and photos of the range, bays, and cart storage. Underwriters evaluate range layout, netting/fencing, lighting, cart maintenance programs, employee training, and security measures for pro shop/crime exposures. Accounts with frequent large tournaments, amplified alcohol sales, significant spectator seating, or on-site lodging will require additional review and may be referred to specialty markets. Territories and Availability This program is available in the western U.S.: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted coverage can be placed in some markets where carriers offer admitted paper; otherwise E&S placement is available through Colonial General’s carrier relationships (carriers vary by state and account characteristics). Why Work with Colonial General on Driving Range Accounts Specialized appetite for golf-related risks and ancillary operations. Access to both admitted and E&S markets depending on state and account profile. Ability to package property, liability, crime, and inland marine to reduce gaps in coverage for ranges and pro shops. Experienced underwriting and flexible excess/umbrella capacity for clients who need higher limits. Example scenarios: You might have a municipal driving range with rental bays, a small pro shop and minimal food service — this program can provide a cost-efficient package with liability and inland marine for carts. Or you may place a private country club that needs liquor liability and umbrella limits for large member events — excess capacity up to $25M is available. Submission Tips Include loss runs for the last 3–5 years, description of range operations (hours, seasonality), and details on alcohol service if present. Provide photos of the facility layout, hitting bays, cart storage/maintenance area, and any risk-control features (netting, fencing, signage). If available, include routine maintenance schedules for turf, irrigation/sprinklers, and golf cart inspection records. Frequently Asked Questions What types of driving range accounts are a good fit for this program?Public and private driving ranges, mini-golf facilities, and country clubs with typical range operations fit well. The program works best for locations without extensive lodging, minimal high-hazard attractions, and with documented maintenance and safety practices. What liability limits and excess options are available?Primary commercial general liability limits are available up to $3,000,000 occurrence and aggregate, and excess/umbrella limits can be placed up to $25,000,000 depending on the account and carrier availability. Are admitted policies available?Admitted options are available in some markets. Colonial General also places E&S coverage where admitted paper is not available or when the account requires more flexible terms. What information should I include with a submission?Provide a completed application, recent loss runs, description of operations (including alcohol service if any), photos of the range and carts, and any risk-control documentation such as maintenance schedules and employee training programs. Can you place liquor liability and pro shop crime coverage?Yes. Liquor liability can be included where needed, and crime coverage for inside/outside premises and safe burglary is available to protect pro shop cash and inventory. Need help placing an account? Connect with a market specialist.

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Weddings are major life events—and they carry meaningful financial risk. When a vendor cancels, a venue double-books, or a key service fails to show, your clients can face significant losses. R.V. Nuccio & Associates, Inc. distributes the Wedsure Wedding Insurance program, giving agents and brokers a flexible, a la carte solution to protect clients’ events. Rather than forcing preset packages, Wedsure lets you build coverage tailored to each couple’s specific exposures. Ideal Accounts and Appetite This program fits individuals planning weddings or civil ceremonies of any size—local ceremonies, large receptions, and destination weddings. It’s a good option when clients need protection for vendor non-performance, lost deposits, or liability exposures at private or public venues. Typical fits include historic sites with strict certificate requirements, outdoor ceremonies exposed to weather, and clients who want standalone protection for photography, jewelry, or gifts. Coverage Highlights and Advantages Wedsure separates nine common wedding coverages so couples only buy what they need. You can mix and match options instead of paying for bundled features. Coverage choices include: Personal Liability (includes Host Liquor Liability; Medical Payments optional) Cancellation/Postponement (including Additional Expense; Change of Heart optional) Loss or theft of Gifts Jewelry protection Loss of Deposits Photographs and Video coverage Professional Counseling Rented Property protection Special Attire coverage This modular approach helps keep premium aligned with event budgets while covering the exposures that matter most. Policies can be written for both weddings and civil ceremonies. Underwriting Notes and Minimum Premiums Underwriting is straightforward and designed for quick quoting and binding. Minimum premiums vary depending on the selected coverages and event details. Where applicable, policies are placed on an admitted basis to provide compliance and broader market access. Territories and Availability The Wedding Insurance program is available in all 50 states and Washington, D.C., allowing you to serve clients nationwide. Why Work With R.V. Nuccio & Associates, Inc. R.V. Nuccio & Associates, Inc. is a Managing General Agency with deep experience in special event insurance. Agents benefit from their streamlined quoting platform, responsive service, and the ability to offer highly customizable coverage through Wedsure. Whether you place a few wedding risks a year or handle them regularly, Nuccio’s market access and program flexibility make it easy to find an appropriate solution for most client scenarios. Learn more at http://wedsure.com/. Call us at 1-800-ENGAGED. Frequently Asked Questions What types of accounts are a good fit for this program?Individuals planning weddings or civil ceremonies who want protection from vendor issues, cancellations, property loss, or on-site liability are a strong fit for Wedsure. Can clients purchase only the coverages they need?Yes. Wedsure offers nine coverages on an a la carte basis so clients can choose specific protections—such as jewelry, photographs, or loss of deposits—without buying unnecessary extras. Is the coverage available in all states?Yes. The program is available in all 50 states and Washington, D.C., and is written on an admitted basis where applicable. What is the underwriting process like?Quoting and binding are designed to be efficient. Minimum premiums vary based on event size and selected coverages; most risks can be placed quickly through R.V. Nuccio’s platform. What sets R.V. Nuccio & Associates, Inc. apart?Their focus on special event insurance, flexible a la carte coverages, and responsive MGA support help agents place wedding-related risks with confidence. Need help placing an account? Connect with a market specialist.

Garage Insurance — Ashley General Agency Ashley General Agency offers a specialized Garage Insurance program designed for agents placing auto-related businesses in Texas. As a managing general agency, we provide access to admitted and non-admitted capacity through markets including Catlin, Acceptance, Mesa, and Underwriters at Lloyds. Our garage markets write limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can handle dealer physical damage and garagekeeper exposures with limits up to $1,000,000. Programs accept drivers age 18 and older, with minimum premiums starting around $500. Ideal Accounts and Appetite This program is built for a broad range of garage-related risks. Typical classes we underwrite include: Auto repair shops and general auto repair Used auto sales / internet auto sales Dealers (including dealer physical damage and garagekeeper exposures) Auto parts sales and installation Car washes Mobile auto repair and towing-related operations RV, motorcycle, scooter, and golf cart sales & repair Heavy truck repair/sales and utility trailer sales/repair Impound yards and emergency vehicle sales/repair We are willing to consider niche operations such as mobile mechanics and internet-based auto sellers, subject to underwriting review. Coverage Highlights and Advantages Commercial general liability and garage liability limits available up to $1,000,000/$3,000,000 agg. Dealer physical damage and garagekeeper coverage offered up to $1,000,000. Competitive minimum premiums (from approximately $500) for smaller accounts and select risk profiles. Flexible appetite across common garage exposures—parts installation, service operations, and vehicle sales. Access to multiple specialty carriers through Ashley General Agency’s MGA platform for tailored placements. Underwriting Notes and Minimums Minimum driver age is 18 for program eligibility. Minimum premium: approximately $500 (final premium subject to underwriting and state rules). We evaluate account details including loss history, operations mix, physical premises, and protective safeguards (signage, keys, secured lots) for garagekeeper and dealer placements. Certain high-hazard operations, excessive exposure to long-haul towing, or accounts with frequent high-severity claims may be declined or require higher limits/deductibles. Territories and Admitted Status This program is available in Texas. Note: the carrier panel includes non-admitted capacity; Ashley General Agency places these risks through specialty markets. Check state-specific placement rules and filing requirements before submission. Why Work With Ashley General Agency Ashley General Agency combines focused garage underwriting with direct access to specialty carriers experienced in automotive classes. Agents benefit from hands-on underwriting, quick turnarounds on straightforward risks, and competitive minimums for smaller accounts. We can work with you on multi-line placements and handle dealer physical damage and garagekeeper exposures that many standard markets limit. Example Accounts That Fit This Program A two-bay independent auto repair shop with modest payroll, routine parts installation, and a secured lot—seeking combined general and garage liability with garagekeeper limits. A small used-car dealer that needs dealer physical damage and liability for inventory and customer vehicles, with drivers aged 18+ and a lower premium budget. For more information on our Garage program, call us today! Frequently Asked Questions What types of accounts are a good fit for this program?Accounts such as independent repair shops, used car dealers, auto parts installers, car washes, mobile repair services, and specialty sellers (motorcycle, RV, golf cart) are good fits. We particularly focus on operations with standard safety controls and manageable loss histories. What limits and garage-specific coverages are available?We offer liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can provide dealer physical damage and garagekeeper coverage with limits up to $1,000,000, subject to underwriting review. What are the key underwriting requirements or red flags?Key considerations include driver age (minimum 18), past loss activity, premises security, vehicle inventory controls, and the mix of operations. Accounts with frequent or high-severity claims, poor inventory controls, or unusual exposures may be declined or require modified terms. How do I submit a submission and what turnaround can I expect?Submit complete applications and loss runs through your usual wholesale channels to Ashley General Agency. Straightforward accounts typically receive faster responses; complex or higher-limit submissions may require additional underwriting review and documentation. Is this program available outside Texas?This specific garage program is currently available in Texas. Coverage may be placed through non-admitted markets on our carrier panel; verify state filing requirements before submission. Need help placing an account? Connect with a market specialist.

Numerous unexpected challenges can arise when dealing with used vehicles. From advertising liability to inventory protection and employee safety, a used car dealership faces a wide array of exposures that require targeted, comprehensive coverage. Used Car Dealer Insurance Program from Pacific Coast E&S At Pacific Coast E&S Insurance Services, we provide tailored insurance solutions for independent (non-franchised) used car dealerships and on-site repair operations. Many standard carriers avoid these risks because of the potential for large losses; as a wholesale broker we place business with specialty markets that will write these classes. Our underwriting team focuses on practical, flexible coverage options that help agents place accounts other carriers decline. Target Accounts and Ideal Risks • Used automobile and truck dealers • Motor home and RV dealerships • Motorcycle and powersports dealers • Golf cart and neighborhood electric vehicle dealers • Independent electric vehicle sellers This program fits independent, non-franchised dealers that may operate modest service or repair facilities on site and that keep inventory on secured lots. We also consider small dealers who provide limited towing for their own operations. Example fits: you might have a client who runs a small used-car lot in California with a basic mechanical bay on-site, or an independent electric golf-cart retailer in Washington with a fenced, gated lot. These are the types of risks we commonly place. Coverage Highlights • Garage Liability with 3× aggregate limits • Broadened General Liability endorsements to address premises and operations exposures • Medical Payments — up to $5,000 • Standard Property coverage packages for buildings, contents and inventory • Rating credits for protected or secured lots (fencing, lighting, surveillance) • Scheduled Auto coverage — up to 5 vehicles on the policy • Optional Tow Truck coverage when towing is limited to the insured’s own operations These features are designed to protect dealers from customer injury, third-party property damage, inventory loss, and common garage exposures encountered in retail vehicle operations. Underwriting Considerations Secured lots or indoor storage are preferred and may receive rating credits. Tow truck coverage is acceptable only when towing is restricted to in-house use (inventory movement, customer service related to sales/repairs). We favor accounts with a clean loss history and straightforward, well-documented operations. Minimum premiums and final terms vary by account size, location, and exposures; underwriters will work with agents to find appropriate solutions for each submission. Service Area and Admitted Status This program is currently available in: California Oregon Washington Some admitted paper options are available depending on the jurisdiction and risk characteristics. Contact our team to confirm admitted availability for a given account. Why Partner with Pacific Coast E&S? As a wholesale broker specializing in commercial auto and garage risks, Pacific Coast E&S connects agents with markets that many standard carriers will not consider. Our underwriters understand the nuances of used-vehicle operations and work collaboratively with brokers to structure coverages that match the insured’s real exposures. We provide practical underwriting guidance, flexible options for small fleets and scheduled autos, and rating credit opportunities for secured sites. If you need help placing a challenging used car dealer account, connect with a market specialist for a full risk assessment and quote. Frequently Asked Questions What types of accounts are a good fit for this program?Non-franchised used car and truck dealers, motorcycle and RV dealers, electric vehicle and golf cart retailers, and similar small retail operations — especially those with limited on-site repair shops or towing for in-house use. Is tow truck coverage included?Tow truck coverage can be added when towing is performed exclusively for the insured’s operations, such as moving inventory or servicing customer vehicles sold by the dealer. Are there specific lot requirements to qualify?Yes. We prefer secured lots and offer rating credits for properties with fencing, lighting, surveillance, or indoor storage. Risk controls that reduce theft and vandalism will help placement and pricing. Is this program available on an admitted basis?Some admitted options are available in select states. Admitted availability depends on the risk profile and underwriting guidelines — reach out to confirm for a specific account. What states is this program offered in?This program is offered in California, Oregon, and Washington. Need help placing an account? Connect with a market specialist.

Policy Highlights: As a lunch wagon or food truck owner, your vehicle is more than transportation—it is the core of the business. Colonial General Insurance Agency, Inc. offers a Lunch Wagon Insurance program to help agents place coverage for mobile food vendors operating across the western U.S. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a variety of admitted and non-admitted carriers. This Lunch Wagon Insurance program is designed for independent agents and brokers who need flexible, market-access solutions for mobile food-service clients. Whether your client runs a single lunch wagon or a small fleet of food trucks, the program provides targeted coverages and underwriting support tailored to the industry’s exposures. Ideal Accounts and Appetite This program targets mobile food vendors, including: Lunch wagons Food trucks and concession trailers Mobile kitchen vehicles with permanently mounted equipment We prefer operators with permanently mounted cooking or refrigeration equipment and those working regionally (up to a 500-mile radius). The program considers both start-ups and established businesses; underwriting evaluates experience, vehicle condition, and operations when determining eligibility. Coverage Highlights and Advantages Key features agents can offer through this program include: Physical damage coverage for the vehicle and permanently mounted equipment (stoves, grills, refrigeration, etc.). Liability limits up to $1,000,000 CSL to satisfy contract and municipal requirements. Deductible flexibility with options typically from $500 to $5,000 to match client budgets. Radius options—coverage available for operations up to 500 miles for regional vendors. Cargo and spoilage protection—limits up to $100,000 including refrigerator breakdown coverage for perishable inventory. Underwriting Notes Underwriting considers vehicle type, age and condition, permanently installed equipment value, radius of operation, loss experience, and operator experience. Colonial General leverages multiple markets to place risks that may be difficult to write in standard markets. Minimum premiums and admitted availability vary by state and specific risk characteristics. Territories and Availability The Lunch Wagon Insurance program is available to agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are admitted in select states; other placements may be written non-admitted depending on the risk profile and state rules. Why Work With Colonial General? With decades of specialty risk experience and a regional focus, Colonial General provides access to niche markets and responsive underwriting. Agents benefit from our knowledge of mobile food exposures, our ability to place hard-to-write risks, and timely support to secure coverage that fits contractual or municipal requirements. Our team helps you match appropriate limits, deductibles, and ancillary coverages to each client’s operation. Frequently Asked Questions What types of accounts are a good fit for this program?Mobile food vendors such as lunch wagons, food trucks, and mobile kitchen vehicles with permanently mounted equipment are ideal for this program. Can new businesses or startups qualify for coverage?Yes. Start-ups may be considered; underwriting reviews operator experience, vehicle condition, equipment, and operational details. What is the maximum radius of operation allowed?The program offers radius options up to 500 miles to accommodate most regional food truck businesses. Is refrigerator breakdown covered under the cargo limit?Yes. Refrigerator breakdown protection is available under the cargo/spoilage coverage, with limits that can go up to $100,000 depending on the account. Which states is this program available in?The Lunch Wagon Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Program Highlights for Inland Marine Insurance: Colonial General Insurance Agency, Inc. offers a robust Inland Marine Insurance program designed to cover valuable personal property that standard homeowners policies typically exclude or restrict. This program is tailored for agents and brokers seeking flexible solutions for hard-to-place items and specialty risks. With access to a variety of markets and coverages, Colonial General helps you secure the right protection for your clients' most prized possessions. Ideal Accounts and Appetite This program is ideal for personal lines clients with high-value or unique movable property. Coverage is available for a wide range of items, including but not limited to: Jewelry and furs Fine arts and collectibles Musical instruments Cameras and camera equipment Golf carts and golf equipment Guns and firearms collections Postage stamps and coin collections Contents stored in mini-storage units Motorized ground maintenance vehicles Silverware and other household valuables If you have clients with specialized property that doesn't fit within standard property insurance policies, this program can meet their needs with tailored, flexible options. Coverage Highlights and Advantages Colonial General's Inland Marine product offers multiple policy options to accommodate various types of property and risk levels. Key coverage features include: All-Risk Coverage: Broad protection for most classes of property, excluding specific exclusions. Limited or Broad Form for Musical Instruments: Flexible options for amateur and professional musicians alike. Breakage Option for Fine Arts: Specialized protection for fragile and high-value pieces. Named Perils and Burglary Coverage: Available for contents stored in mini-storage facilities, addressing common theft exposures. This program allows you to cover high-value assets that are often underinsured or excluded from standard policies, giving your clients peace of mind. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to place this coverage, ensuring competitive and flexible underwriting. While there is no set minimum premium listed, underwriting guidelines vary by class and item value. Submissions should include complete item descriptions and valuations where applicable. The program can accommodate both scheduled and blanket coverage depending on the client’s needs. Territories and Availability This Inland Marine Insurance program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some available markets are admitted, while others may operate on a non-admitted basis depending on the risk and jurisdiction. Why Work With Colonial General As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche personal lines markets. If you've struggled to find coverage for unique personal property through standard carriers, Colonial General offers a reliable alternative with underwriting flexibility and access to specialized markets. Their responsive approach and regional focus across the Western U.S. make them a valuable partner in placing difficult Inland Marine risks. Whether your client is a collector, musician, hobbyist, or simply owns high-value personal assets, this program gives you the tools to deliver custom protection beyond the limitations of standard policies. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for personal lines clients with high-value movable property such as jewelry, fine arts, collectibles, musical instruments, and golf equipment. Can I cover items stored in a mini-storage unit?Yes, coverage is available for contents in mini-storage units, with options for named perils and burglary protection. Is coverage available on an all-risk basis?Yes, most classes of property can be covered on an all-risk basis, with specific exclusions and underwriting requirements. What documentation is needed for underwriting?Submissions should include detailed descriptions and valuations of the items to be insured. Photos or appraisals may also be required depending on the item type and value. Which states is this program available in?This Inland Marine Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Miniature Golf Course Insurance program designed to help agents place both public and private golf-related businesses. Whether your client operates a standalone miniature golf course, an indoor or outdoor driving range, or a country club with a mini-golf amenity, this program provides flexible coverage options tailored to the unique risks of recreational golf facilities. Coverage is available on a monoline or package basis and delivers robust protection for property and liability exposures. Ideal Accounts and Appetite This program is best suited for: Standalone miniature golf courses Family entertainment centers with mini-golf components Indoor or outdoor driving ranges Public and private golf courses or country clubs with mini-golf Colonial General favors accounts with well-maintained premises, standard safety protocols, and minimal claims history. Examples of good fits: a seasonal mini-golf park in a resort or tourist area, or a year-round indoor course attached to a family entertainment center. Higher-hazard operations, locations with frequent losses, or venues with significant water hazards or extreme attractions may require additional underwriting review or be better placed elsewhere. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 occurrence and aggregate Additional insureds—automatically included Hired and non-owned auto liability $5,000 medical payments coverage Liquor liability—available for eligible operations Excess/Umbrella limits up to $25,000,000 No deductible required on liability Property Coverage Options: Building and contents coverage Business income and extra expense Computer equipment and electronics Contractor's equipment and inland marine for golf carts Coverage for damage to greens, tee boxes, and course features Food spoilage and equipment breakdown Sprinklers, valuable papers, and bailee’s coverage for pro shops Available on replacement cost or actual cash value basis Crime Coverage Features: Inside the premises – theft of money and securities Inside the premises – robbery or safe burglary of other property Outside the premises – theft and robbery protection Underwriting Notes and Minimum Premiums Colonial General reviews each submission individually, considering operations, location, safety protocols, and loss history. While no specific minimum premium is listed here, accounts should be commercially viable and meet standard underwriting criteria. Liability coverage typically carries no deductible, and optional excess limits are available for accounts that need higher limits. Territories and Availability This Miniature Golf Course Insurance program is available to agents placing business in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted market options may be available depending on the state and the risk profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines niche recreational property expertise with access to multiple markets. Agents benefit from a responsive underwriting team, flexible coverages, and the ability to place both admitted and non-admitted business where appropriate. This program is positioned to help you secure competitive limits and tailored terms for golf-related venues that meet underwriting standards. Frequently Asked Questions What types of accounts are a good fit for this program?Miniature golf courses, family fun centers with golf attractions, and indoor/outdoor driving ranges are ideal. Public or private golf-related venues with clean loss history and good maintenance practices are preferred. Is liquor liability available under this program?Yes. Liquor liability can be included when applicable, subject to underwriting review of the operations and controls in place. Are both property and liability coverages available?Yes. Coverage can be written on a monoline basis or packaged to include both property and liability, depending on the client’s needs. Which states is this program available in?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Do all risks qualify for admitted markets?Not all risks will qualify for admitted placement. Colonial General offers both admitted and non-admitted options based on the risk characteristics and location. Need help placing an account? Connect with a market specialist.

Policy Highlights for Golf Course Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Golf Course Insurance program designed specifically for public and private golf courses, including country clubs, miniature golf courses, and both indoor and outdoor driving ranges. With the flexibility to write coverage on a monoline or package basis, this program provides broad protection tailored to the unique risks of the golf industry. Ideal Accounts and Appetite This program is ideal for agents seeking coverage for a wide range of golf-related businesses, such as: 18- and 9-hole public or private golf courses Country clubs with or without dining facilities Miniature golf courses Driving ranges (indoor and outdoor) Whether your client operates a high-end country club in California or a family-friendly mini-golf course in Utah, Colonial General can help you place the right coverage. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 per occurrence and aggregate Additional interests—Included Hired and non-owned auto included $5,000 medical payments coverage—Included Liquor liability available Excess or umbrella limits up to $25,000,000 No deductible required Crime Coverage: Theft of money and securities inside the premises Robbery or safe burglary of other property inside the premises Coverage for events occurring outside the premises Property Coverage: Buildings and contents Business income and extra expense Accounts receivable and valuable papers Computer equipment and contractor’s equipment Inland marine coverage for golf carts Bailee’s coverage for the pro shop Equipment breakdown and food spoilage Damage to greens and tee boxes Sprinkler systems Replacement cost or ACV options Underwriting Notes and Market Access Colonial General works with a variety of carriers to offer flexible solutions, including admitted and non-admitted options depending on the state and risk profile. As a Managing General Agency and Excess & Surplus Lines Broker, they can help place both standard and hard-to-place risks. Typical submissions will require standard underwriting information, including property values, number of holes, liquor sales (if applicable), and loss history. There is no specified minimum premium, offering flexibility based on account size and complexity. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General? Colonial General brings deep knowledge of niche commercial risks across the western United States. Their team understands the operational challenges and liability exposures unique to golf facilities and can help agents craft tailored solutions for a wide range of accounts. With access to multiple markets and a service-oriented approach, Colonial General makes it easier for agents and brokers to place and retain golf industry accounts with confidence. You might have a client who just purchased a mid-size public course in Nevada and needs a package policy including liquor liability for their new clubhouse bar. Or perhaps a long-standing miniature golf course in Colorado is looking to expand and needs better property and inland marine protection—Colonial General is equipped to help you place these risks efficiently. Frequently Asked Questions What types of accounts are a good fit for this Golf Course Insurance program?Ideal accounts include public or private golf courses, country clubs, driving ranges, and miniature golf facilities. Risks with food and beverage operations or pro shops can also be accommodated. Is liquor liability available through this program?Yes, liquor liability coverage is available as part of the general liability offering, making it ideal for country clubs or golf facilities that serve alcohol. Can I submit monoline coverage or must it be part of a package?Coverage is available on either a monoline or package basis, offering flexibility based on your client’s needs. What states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you have markets for non-standard or hard-to-place golf risks?Yes, Colonial General has access to both admitted and non-admitted markets, allowing them to place standard as well as challenging accounts. Need help placing an account? Connect with a market specialist.