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...ency, Inc. offers a comprehensive Bakery Insurance program designed to meet th...tes is this program available in?The Bakery Insurance program is available in ...

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

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.

Cochrane & Company offers a focused, non-admitted Hired & Non-Owned Auto Insurance program that helps agents and brokers place auto liability and excess liability for businesses that rely on rented or personally owned vehicles for operations. The program is designed for risks where the client needs liability protection for drivers or hired vehicles they do not own, and it’s structured to complement a driver’s personal insurance or a primary business auto policy. Ideal Accounts and Appetite This program fits small to mid-sized businesses that make regular local deliveries or service calls using non-owned vehicles. Typical target classes include: Food delivery services Auto parts couriers Bakeries Florists Home health care providers and mobile caregivers You can place single-location businesses or accounts with multiple locations across the eligible states. For example, a home health care agency with nurses or aides who use personal vehicles for client visits can benefit from Hired & Non-Owned liability placed through this program. Restricted Classes Underwriting limits this program from accepting certain higher-exposure classes. Ineligible or restricted accounts typically include: Realtors and real estate brokerages Timed or expedited delivery services (high-frequency, guaranteed-time deliveries) Human transportation operations (rideshare, shuttle or taxi services) Trucking operations (vehicles beyond light pickups) Sales forces and temporary staffing agencies with mobile workforces Coverage Highlights and Advantages Hired & Non-Owned Auto liability limits available up to $7 million Excess and umbrella layers available to increase protection Flexible structures — standalone program or layered over driver's personal insurance or a primary business policy No receipt restrictions on hired vehicle coverage Minimum premiums available from approximately $2,430 (varies by limit and structure) Low deductibles or Self-Insured Retentions (SIRs) can be accommodated Designed to serve both localized accounts and larger regional/national placements within eligible states Underwriting Notes and Minimum Premiums This non-admitted program gives underwriters flexibility to structure pricing and terms to match account needs. Minimum premium levels start around $2,430 for lower limits, but final pricing depends on exposure, limits, claims history, and whether coverage will be written as excess over a primary policy or over drivers’ personal auto policies. Provide complete loss runs and details about delivery frequency and driver screening to get accurate terms quickly. Available States The program is available in: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Cochrane & Company brings regional underwriting expertise across these western and mountain states. Why Work With Cochrane & Company? As a Managing General Agency with deep commercial auto experience, Cochrane & Company pairs responsive underwriting with access to multiple carrier partners for hired and non-owned exposures. Agents benefit from tailored program structures, experienced risk selection, and practical placement options when traditional admitted markets are constrained. Have questions about Hired & Non-Owned Auto Insurance or need help placing a specific account? Please contact us! Frequently Asked Questions What types of accounts are a good fit for this Hired & Non-Owned Auto Insurance program?Good fits include businesses that use employee-owned or rented vehicles for routine work—examples are food delivery services, auto parts couriers, florists, bakeries, and home health care providers that don’t maintain a company-owned fleet. Are there any industries that are ineligible for this program?Yes. The program generally excludes real estate agencies, timed/expedited delivery operations, human transportation risks (rideshare/shuttle), heavy trucking operations (beyond pickups), and staffing agencies with mobile sales forces. What is the minimum premium for this program?Minimum premium starts at approximately $2,430 for a $100,000 limit, but final premiums depend on the account’s exposure, limits, and how the coverage is structured. Can this program be written as excess over the driver's personal insurance?Yes. Policies can be structured as excess over a primary business policy or over drivers’ personal auto insurance, depending on underwriting approval and the account’s needs. In which states is this program available?The program is available in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Need help placing an account? Connect with a market specialist.

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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.

Overview — Ice Cream Truck Insurance from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a dedicated Ice Cream Truck Insurance program designed for agents placing mobile food vendors and small mobile catering operations. This program is offered through Colonial General as a Managing General Agency and Excess & Surplus lines broker, giving you flexible placement options across admitted and non-admitted markets depending on the state and account characteristics. Ideal accounts and appetite Independent ice cream truck operators and small fleets of mobile dessert or frozen-treat vendors. Vehicles equipped with refrigeration units and serving retail customers from streets, parks, private events, or seasonal routes. Accounts with routine maintenance programs, documented refrigeration upkeep, and reasonable loss histories. Generally not a fit: highly specialized heavy commercial vehicles, permanent fixed-location concessions, or accounts with habitual regulatory or food safety violations. If you have a borderline submission, Colonial General underwriting will consider details on a case-by-case basis. Coverage highlights and advantages Use this program to secure flexible liability and physical damage protection tailored to mobile food delivery operations. Key coverages include: Liability limits up to $1,000,000 CSL to protect bodily injury and property damage exposures. Physical damage coverage with multiple deductible options (typically $500–$5,000) to match client budgets and vehicle values. Cargo limits up to $100,000, including protection for inventory and product spoilage; refrigerator breakdown coverage is included to address mechanical losses to perishable product. Radius options up to 500 miles to support operators who travel for events, festivals, or multi-state routes. Colonial General currently has no blanket exclusions specific to this ice cream truck program, improving placement flexibility. Underwriting notes and typical requirements Underwriters commonly request a completed application, current MVRs for drivers, vehicle photos, and a brief loss history. Documentation of refrigeration maintenance, business license, and food safety compliance is helpful and may speed binding. Rates and placement (admitted vs. non-admitted) will depend on state availability, vehicle condition, driver records, and loss experience. Minimum premiums may apply; contact Colonial General for current threshold and program terms. Territories and availability The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some admitted markets are available where regulatory and carrier appetite allow; Excess & Surplus lines placement is used where necessary. Carrier availability varies by state and account characteristics. Why place ice cream truck business with Colonial General Specialized focus on mobile food vendors and refrigerated cargo exposures. Access to both admitted and E&S markets through an experienced MGA/broker model. Flexible radius and cargo options that fit seasonal operators and event-driven businesses. Underwriters open to tailored terms for small fleets and single-truck operations, with practical consideration for refrigeration breakdown exposures. Example account scenarios You have a client who operates a single soft-serve truck on a seasonal route through multiple towns — Colonial General can provide liability to $1M CSL, physical damage, and cargo coverage that includes refrigerator breakdown for their inventory. You represent a small fleet of two to four trucks that travel up to 300 miles for festivals and private events — the program’s radius options and fleet quoting flexibility make it a good candidate. Frequently Asked Questions What types of ice cream truck accounts are a good fit for this program?Single truck operators and small fleets with routine vehicle and refrigeration maintenance, reasonable driver records, and primarily retail or event service are the best fit. The program supports seasonal routes and event work with radius options up to 500 miles. Which states and market types are available?Colonial General offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Some admitted markets are available where carriers allow; Excess & Surplus placement is used when admitted options are not available. What coverages are included for refrigerated cargo?Cargo limits are available up to $100,000 and include refrigerator breakdown coverage to address spoilage or loss of perishable inventory when the refrigeration system fails. What documents should an agent submit with a new submission?Provide a completed application, vehicle photos, current MVRs for drivers, loss run or loss history, and any refrigeration maintenance records or business licenses to help underwriting evaluate and bind quickly. Are there deductible and liability limit options?Yes. Liability limits are available up to $1,000,000 CSL and physical damage deductibles commonly range from $500 to $5,000. Specific options will depend on the vehicle, territory, and underwriting review. Need help placing an account? Connect with a market specialist.

Restaurant Insurance Program — Prime Insurance Company Eating at a restaurant should be an enjoyable experience: great food, a comfortable atmosphere, and attentive service. Unfortunately, accidents and property loss can happen — from foodborne illness and slips and falls to kitchen fires — and those events can quickly create significant financial exposure for your client. Know the Facts Between 2010 – 2014 there is an average of 7,410 kitchen fires reported to U.S. fire departments Slips and falls are the number 1 cause of accidents 38% of cooking equipment and 21% of electrical distribution are the top causes of property damage in restaurants Program Overview Prime Insurance Company offers a tailored Restaurant Insurance program designed for agents placing dining risks. We underwrite accounts by reviewing operations, loss history, and management practices to deliver an all-in-one policy that fits the client’s exposure. The program stacks common commercial coverages so you can place property, liability and ancillary exposures through a single market. Insurance Coverages Available Commercial Property Insurance Commercial General Liability Insurance Commercial Umbrella Insurance Commercial Auto Insurance *Not available in NY Liquor Liability *Please note that we do not offer workers compensation. Ideal Accounts and Appetite This program is built for a wide range of restaurant operations. Good fits typically include: Independent full-service restaurants and bistros Fast-casual concepts and cafes Small to mid-size bars and taverns (liquor liability available) Limited-service bakeries and catering operations Prime Insurance will consider new and established operations, including accounts with prior losses — underwriting is experience and operations driven. Accounts with large national scale, significant manufacturing, or complex multi-state payroll structures may require alternate placement or a specialized program. Coverage Highlights and Advantages Combined placement approach simplifies quoting and policy administration for property, liability and umbrella limits. Liquor liability options for establishments that serve alcohol. Commercial auto available for delivery and company vehicles (except NY). Underwriting that focuses on operational controls—kitchen suppression, employee training, food handling procedures, and premises maintenance—which can improve placement opportunities. Underwriting Notes When submitting, include clear details about operations and risk controls to speed evaluation: hours of operation, cooking equipment and suppression systems, percentage of alcohol sales, delivery operations or use of autos, annual revenues, payroll, and five-year loss history. Prime Insurance emphasizes operational detail and demonstrated risk management when assessing eligibility. Remember: workers compensation is not offered through this program. Territories and Availability This Restaurant Insurance program is available through Prime Insurance Company in the following territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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. Why Work With Prime Insurance Company on Restaurant Business Focused underwriting for hospitality exposures and practical risk assessment. Flexible placement for common restaurant needs—property, GL, umbrella, auto and liquor liability—in one program. Experience in handling accounts with prior losses and varying management experience. Dedicated service for brokers who need clear expectations and tailored coverage terms. Example Accounts You Might Place You have a client who runs a 60-seat full-service bistro with a full kitchen, fire suppression, and modest liquor sales — Prime can quote property, GL and liquor liability together. You represent a fast-casual chain with delivery vehicles — the program can combine GL, property and commercial auto (check NY availability for auto) and consider umbrella limits. Prime Insurance’s restaurant team is available to review submissions and help structure terms that align with the account’s operations and risk profile. We work with agents to identify appropriate limits and coverages that reduce the chance of coverage gaps while keeping placement efficient. Frequently Asked Questions What types of restaurant accounts are a good fit for this program?Independent full-service restaurants, fast-casual concepts, cafes, bakeries, and small bars/taverns are typically a good fit. The program evaluates operations, safety controls, and loss history to determine eligibility. Is liquor liability available?Yes. Liquor liability can be included for establishments that sell or serve alcohol; underwriting will consider hours of service, alcohol sales percentage, and management controls. Do you offer commercial auto and is it available in every state?Commercial auto is available through this program but is not available in New York. Confirm auto availability on a per-submission basis and include vehicle use and driver information with the submission. What underwriting information speeds placement?Provide operations detail (menu and cooking methods), fire suppression details, percentage of alcohol sales, delivery operations, revenues, payroll, and a recent loss run. Detailed submissions help underwriters provide faster, more accurate terms. 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: Motorcycle dealerships and repair shops face distinct liability and property exposures that require specialized insurance solutions. Colonial General Insurance Agency, Inc. offers a Motorcycle Sales and Repair Insurance program built for the motorcycle industry — from new and used dealers to custom shops and full-service repair facilities. Through access to multiple admitted and surplus markets, this program gives agents flexible options to match each client’s operations and risk profile. Ideal Accounts and Appetite This program is designed for independent agents placing accounts such as: Motorcycle dealerships (new and used) Repair, maintenance, and service shops Custom bike builders and specialty fabrication shops Shops that sell or install parts, accessories, apparel, or provide towing Combined operations — for example, a dealership with an attached service bay and a retail accessories section — are a strong fit. You might have a client who runs a small dealership that also offers on-site customization and towing; this program can consolidate those exposures under one policy. Coverage Highlights and Advantages Colonial General’s Motorcycle Sales and Repair Insurance provides broad commercial garage solutions tailored to the industry. Key features include: Garage Liability: Limits up to $1,000,000 per occurrence Aggregate Liability: Up to $3,000,000 Medical Payments: $5,000 Garage Keepers: Available on a primary basis with specified causes of loss Dealers Physical Damage for inventory and customer vehicles False Pretense coverage Fire Legal Liability In-Transit Coverage: For towing and transport operations Broadened Coverage Endorsements to address common industry exposures Property Coverage: Available for buildings, contents, and business personal property Extension of Liability: Can include related operations such as parts, clothing, or accessory sales These options help protect clients from real-world risks like theft, fire, liability from test rides or repairs, and damage while vehicles are in your care, custody, or control. Underwriting Notes Colonial General works with multiple carriers and can place business in admitted or non-admitted markets depending on the risk and state. Appetite and pricing depend on factors such as operation type (sales-only vs. sales plus service), prior loss history, tow/transit exposure, and the value and type of motorcycles handled. Underwriters look for clear risk controls: secured storage, keys and test-ride procedures, employee training, and documented service practices. Large inventories, extensive custom fabrication, chronic prior losses, or uncommon high-horsepower specialty bikes may require additional review or placement in surplus markets. Colonial General’s underwriting team will advise on submission requirements and potential red flags to streamline placement. Territories and Availability This Motorcycle Sales and Repair Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Terms and carrier availability may vary by state. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in niche commercial risks and garage exposures. Agents benefit from: Access to multiple admitted and non-admitted markets Underwriting expertise focused on motorcycle dealerships and repair operations Support through quoting, submission, and binding to secure competitive terms Flexible coverage structures to consolidate sales, service, and retail exposures If you need help placing an account or want guidance on submission details, connect with a market specialist. What types of accounts are a good fit for this program? This program is ideal for motorcycle dealerships, repair shops, custom builders, and businesses that offer related services like towing or accessories sales. Can the program cover both sales and repair operations under one policy? Yes. The program is designed to cover combined operations such as dealerships with attached service bays or retail sections under a single policy package. Is Garage Keepers coverage offered on a primary basis? Yes. Garage Keepers coverage is available on a primary basis with specified causes of loss, subject to carrier terms. Which states is this program available in? The Motorcycle Sales and Repair Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Do you offer admitted and non-admitted options? Yes. Colonial General has access to both admitted and non-admitted carriers and will recommend the best placement based on the client's operations and state of domicile. Need help placing an account? Connect with a market specialist.