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... insurance needs of off-premises caterers. Backed by ProHost USA, Inc.—a trust...is ideal for full-time off-premises caterers and restaurants with a catering c...

...neral Agency offers a specialized Bakery Insurance program designed to meet th...e sales are all strong fits. Are new bakery businesses eligible for coverage?Y...

... to: Ø Family Restaurants Ø Caterers and Catering Trucks Ø Bars and Nei...

... mid-sized delis, sandwich shops, bakery-cafés, and similar food-service risks...

...ments Banquet Facilities and Caterers BYOB Restaurants Incidental... restaurants, cafes, bars, taverns, caterers, pizza parlors, take-out location...

Overview — Colonial General Insurance Agency, Inc. Airport Shuttle Insurance Colonial General Insurance Agency, Inc. offers a targeted airport shuttle program designed for agents who need a flexible market for passenger transport and light cargo operations. This program combines auto liability, physical damage, cargo, and excess auto capacity to cover common exposures faced by shuttle and transfer operators. As a managing general agency and excess & surplus lines broker, Colonial General places business through admitted and non-admitted markets depending on state availability and risk characteristics. Ideal Accounts and Appetite Small to medium shuttle fleets (hotel, airport transfer, corporate shuttles, connector services). Operators carrying passengers and their baggage or light cargo, including food/catering runs tied to terminal operations. For-hire shuttle services with scheduled routes or on-demand airport transfers. Accounts with good driving records, documented maintenance programs, and clear operating radii. Accounts that typically do not fit include high-hazard operations (e.g., open cargo hauling, night-time unescorted intercity long-haul with excessive miles), excessively large fleets without loss control, or operations with poor loss history. Coverage Highlights and Advantages Liability: limits available up to $1,000,000 CSL; additional limits available up to state or federal requirements with per vehicle limits provided up to $1.5 million. Physical damage: full coverage offered with deductible options from $500 to $5,000 to fit different retention preferences. Cargo: limits up to $100,000 with refrigerator breakdown coverage included where applicable. Radius options: flexible territory limits up to 500 miles to support regional operations. Excess auto: capacity available to layer over primary limits for accounts needing higher limits. Placement flexibility: Colonial General works with a variety of markets and carriers; appetite and admitted availability vary by state and risk profile. Underwriting Notes and Typical Requirements Underwriting focuses on operations, loss history, driver qualification, vehicle condition, and radius. Typical information required at submission includes a driver roster and MVRs, up to three years of loss runs, a current fleet schedule with seating capacities and vehicle values, and a description of routes and any cargo types carried. Deductible selection, radius, and passenger exposure will materially affect pricing and placement. Because admitted markets are available in some states but not all, Colonial General frequently accesses both admitted and E&S capacity—ask the underwriter about admitted availability for the specific state and account. Territories and Availability Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage and admitted options vary by state; Colonial General places accounts in admitted markets where possible and uses excess & surplus capacity for higher-risk or out-of-territory placements. Why Work With Colonial General on Airport Shuttle Business Specialized program tailored to shuttle and passenger transport exposures. Flexible limits and deductible choices to match a range of fleet sizes and risk tolerances. Access to multiple carriers and market appetite — underwriter will evaluate admitted vs. non-admitted placement based on the account. Practical underwriting approach focused on operations and loss control, helping improve placement outcomes for well-managed accounts. Agent Scenarios Example 1: You have a boutique hotel with a three-vehicle shuttle that transports guests to the local airport. The fleet has clean driving records and routine maintenance—this program can provide primary liability, physical damage, and cargo protection with a competitive deductible. Example 2: You represent a regional airport transfer operator that also delivers catering items to terminals. Cargo coverage with refrigerator breakdown included and a 500-mile radius option make this program a practical fit for combined passenger/cargo exposures. Frequently Asked Questions What types of airport shuttle accounts are a good fit for this program?This program is aimed at small to medium passenger shuttle operations—hotel shuttles, scheduled airport transfers, corporate connectors, and similar services that maintain driver qualification, vehicle maintenance, and reasonable radius controls. Which coverages and limits are available?Coverage includes auto liability, physical damage, cargo (with refrigerator breakdown where needed), and excess auto. Liability limits are available up to $1,000,000 CSL, with higher per-vehicle limits up to $1.5 million and cargo limits up to $100,000 depending on the account. Are admitted markets available?Some admitted markets are available depending on state and risk characteristics. As an MGA and E&S broker, Colonial General can place business in admitted or non-admitted markets based on the account and state rules—ask the underwriter for admitted availability in the specific state. What underwriting information should I include with a submission?Include a current fleet schedule, driver roster and recent MVRs, three years of loss runs if available, vehicle values, seating capacities, and a description of typical routes and cargo types. These items speed underwriting and improve placement chances. How are deductibles and territory handled?Physical damage deductibles range from $500 to $5,000. Radius options are available up to 500 miles to support regional operations—both deductible and territory selections influence pricing and market access. Need help placing an account? Connect with a market specialist.

... Scenarios You have a regional bakery with refrigerated inventory and modes...

...sual concepts Cafés, bakeries, caterers, and small commissaries Bars, tave...

RESTAURANT/FOOD SERVICE INSURANCE Empire State Brokerage Services LLC offers a focused Food Service Insurance program designed for a broad range of food and beverage operations. With access to more than 10 insurance carriers, we provide agents and brokers flexible underwriting solutions and placement options. The program supports package and mono-line placements and offers core coverages—property, general liability, liquor liability and assault & battery—so your clients are protected from the most common operational risks in food service. Ideal Accounts and Appetite Our underwriters have a wide appetite for food-related risks. Typical classes that fit well include: Full-service and upscale restaurants, ethnic restaurants, diners, pizzerias, and luncheonettes Fast-food takeout operations, delis, food courts, rotisserie shops, and coffee shops Internet cafés, quick-service hamburger chains, falafel shops, and bakeries Grocery stores, small supermarkets, and catering firms Alcohol-serving venues such as bars, taverns, lounges, and nightclubs If your client prepares or serves food or liquor for on- or off-premises consumption, there’s a strong chance we can help you place the account. Coverage Highlights and Advantages The program provides a comprehensive set of coverages tailored to the exposures common in the food service sector. Available protections include: Property and General Liability Liquor Law Liability Workers’ Compensation (mono-line available) Assault and Battery Non-Owned and Hired Auto Liability Specialty coverages and extensions often available: Food Spoilage and Equipment Breakdown Loss of Income / Business Interruption Fire Legal Liability and Accounts Receivable Money & Securities and Employee Dishonesty Valuable Documents and Sprinkler Leakage Seasonal Variation Coverage We can place accounts on ISO or manuscript occurrence policy forms. Umbrella and Excess GL layers are available when needed, and mono-line options exist for commercial auto and workers’ compensation. Underwriting Notes and Minimum Premiums Minimum premiums for smaller accounts start at $1,000, making the program accessible to many independent operators. Minimums for larger or more complex risks will vary based on exposures, revenue, payroll, and alcohol sales. Our underwriters will evaluate kitchen operations, food handling practices, liquor exposure, security measures, and loss history when assessing risk. Territories and Availability This program is available in CT, FL, GA, IN, MA, NJ, NY, PA, and RI. Most placements are written non-admitted through our excess & surplus lines carriers, depending on jurisdiction and the specific risk profile. We can discuss admitted options where they are available and appropriate. Why Work With Empire State Brokerage Services LLC? As an experienced excess & surplus lines broker, Empire State Brokerage Services LLC gives you access to a wide panel of markets that specialize in food service risks. We understand the operational nuances—kitchen exposures, liquor liability, late-hour operations—and offer responsive underwriting, competitive terms, and tailored coverage solutions. Whether you’re placing a neighborhood deli or a high-volume nightclub, we work with you to structure placement strategies that fit the account. Example scenarios that fit our appetite: A family-owned pizzeria with dine-in and delivery needs property, GL and hired auto coverage—eligible for a package placement with food spoilage included. A medium-size bar/nightclub with higher liquor exposure seeking assault & battery, liquor liability, and excess GL—placement available through select E&S markets. Let us help you expand your food and beverage book with a reliable, flexible market partner. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for restaurants, bars, delis, catering firms, nightclubs, grocery stores, and other businesses that prepare or sell food or alcohol to consumers. What coverages are available under this program?Available coverages include property, general liability, liquor liability, workers’ compensation, assault and battery, food spoilage, business interruption, and other specialty extensions. Is there a minimum premium requirement?Yes. Minimum premiums for small accounts start at $1,000. Final premiums depend on the size, revenue, exposures, and the specific coverages requested. In which states is this program available?The program is available in CT, FL, GA, IN, MA, NJ, NY, PA, and RI. Can I access mono-line coverage options?Yes. Mono-line options are available for commercial auto and workers’ compensation where needed, in addition to package placements. Need help placing an account? Connect with a market specialist.

With the legalization of medical and recreational marijuana in more and more states, the cannabis industry is poised for rapid growth and increased revenue opportunities for businesses. Your clients working in this sector face unique risks—and they need insurance solutions tailored to those exposures. Whether it’s property damage, theft, transportation incidents, or liability concerns, Cochrane & Company can help you secure the right Marijuana Insurance coverage for your clients. Specialized Coverage for a Specialized Industry Cochrane & Company offers a comprehensive Marijuana Insurance program designed specifically for businesses in the medical and recreational cannabis space. From dispensaries to grow operations and infused product manufacturers, we understand the complex needs of these operations and provide access to carriers and coverage options that address their risks. Key Coverages Available Our program includes a wide range of coverages that can help protect your client’s business in the event of loss or liability: • Products Liability • Equipment Breakdown • Accounts Receivable • Valuable Papers • Money and Securities • Government Actions Reimbursement • Property Coverage • Buildings • Tenant Improvements • Finished Stock • Business Personal Property • Transportation – including transit from grower to dispensary or dispensary to patient These coverages are designed to address the real operational risks cannabis businesses face every day. Target Classes We Serve We work with a wide variety of cannabis-related businesses, including: • Indoor Crop • Schools • Testing Labs • Dispensaries • Retail Outlets • Lessors Risk for Landlords to Marijuana Facilities • Growing Operations (Indoor and Outdoor) • Greenhouses • Bakeries • Hydroponic Stores • Infusion Centers • Edible Manufacturers If you have a client operating in one of these sectors, we may be able to provide a tailored insurance solution through our program. Program Availability and Underwriting Our Marijuana Insurance program is available in the following states: AK, AZ, AR, CA, CO, CT, FL, HI, IL, LA, ME, MD, MA, MI, MN, MT, NV, NH, NJ, NM, NY, ND, OH, OR, PA, RI, VT, and WA. Admitted products are available in some states. This program is underwritten through select markets that understand the evolving cannabis landscape. Whether your client is just entering the market or expanding operations, we can help you find the right fit across our carrier relationships. Why Work With Cochrane & Company? As a Managing General Agency with deep experience in placing cannabis-related risks, Cochrane & Company provides the expertise, market access, and service you need to confidently serve clients in this high-growth sector. We’re here to help you navigate the complex underwriting and compliance challenges of this industry and deliver customized insurance solutions that meet your clients’ needs. We are happy to answer any questions you may have and help you get appointed with Cochrane & Company. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed cannabis-related businesses such as dispensaries, indoor and outdoor grow operations, edible manufacturers, testing labs, and landlords leasing to marijuana facilities. Is coverage available for transportation of cannabis products?Yes, our program includes transportation coverage, including transit from growers to dispensaries and from dispensaries to patients. Which states is this program available in?The Marijuana Insurance program is available in over 30 states, including CA, CO, FL, IL, MA, MI, NY, OR, and WA. Availability may differ by coverage type. Are admitted markets available?Yes, admitted markets are available in some states, depending on the type of coverage and the location of the risk. How can I get appointed to access this program?Contact Cochrane & Company directly to begin the appointment process and gain access to our cannabis insurance markets. Need help placing an account? Connect with a market specialist.