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...s Educational institutions and childcare providers Property managers a...gher-risk clients?Yes. Coverage and services can be tailored to the client’s n...

... Business interruption from third-party system failures Transmission of m...tion, loss history, descriptions of services and client types, and documentati...

...rformers (bands, solo acts, DJs) Children’s entertainers (clowns, face paint... coverage for performers working with children. An agency could place a children’s party entertainer who travels to private...

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Overview — Cochrane & Company: Caterers and Halls Insurance Serve up new business with Cochrane & Company's Caterers and Halls Insurance program. Offered through Cochrane & Company as a Managing General Agency, this program places coverage on a monoline or package basis for a range of event-related risks. The program combines general liability, property and optional ancillary coverages to address common exposures for halls, mobile food vendors and event caterers. Eligible risks Halls Catering/Sandwich Trucks Ice Cream Trucks Caterers providing food service for events such as: Weddings Parties Meetings Coverage highlights and program advantages Coverage Features — Caterers and Halls Insurance Primary limits up to $3,000,000 occurrence/aggregate $5,000 Medical Payments coverage — included Additional interests — $100 each Liquor Liability available Excess or Umbrella limits up to $25,000,000 No deductible required for Caterers and Halls Insurance. Property and ancillary coverages Property Accounts Receivable Basic, Broad, or Special Form Building Business Income Computer Equipment Replacement Cost or Actual Cash Value Food Spoilage Inland Marine Equipment Breakdown Coverage Outside Signs Valuable Papers Crime Inside the Premises — Theft of Money and Securities Inside the Premises — Robbery or Safe Burglary of Other Property Outside the Premises Ideal accounts and appetite This program is best suited for small-to-medium sized halls and event spaces, mobile food vendors (including sandwich and ice cream trucks), and caterers who provide food service for weddings, parties, corporate meetings and similar events. It addresses common exposures such as foodborne illness and spoilage, on-site bodily injury, liquor-related liability, equipment breakdown and property loss for venues and mobile units. Generally a good fit: Independent caterers who serve scheduled events rather than permanent high-volume restaurants Owners/operators of community or banquet halls, wedding venues and meeting spaces Mobile food vendors with organized operations and routine maintenance records May be limited or require referral: accounts with significant past liability losses, venues with unusually large capacity or permanent night-club-style operations with high alcohol exposure. For unusual or high-hazard accounts, underwriters may request supplemental information or decline placement. Underwriting notes and minimums Underwriting evaluates operations, revenue, food-handling controls, alcohol service practices, security and loss history. Documents commonly requested include an application, recent loss runs, description of operations (menus, event types), and details about hired vendors or subcontractors. Minimum premium and specific terms vary by account and carrier. Territories and admitted status States available: AK, CA, ID, MT, NV, NM, ND, OR, WA, WY. Carrier availability varies by state and account. Admitted status is not listed for this program; carrier markets and filing status should be confirmed at submission. Why place this business with Cochrane & Company Cochrane & Company provides a focused MGA market for event-related food service exposures. The program’s combination of high primary limits, included medical payments, available liquor liability and sizable umbrella capacity makes it a practical option when your clients need more than basic coverage. Use this market when you need flexible package options and ancillary property/crime coverages tailored for caterers, mobile vendors and halls. For more information on Caterers and Halls Insurance, please contact Cochrane & Company through your usual wholesaler channels to confirm carrier availability and submission requirements. Frequently Asked Questions What types of accounts are a good fit for this program?Small- to medium-sized caterers, sandwich/ice cream trucks and event halls that serve weddings, parties and meetings are ideal. The program is designed for event-based food service operations rather than permanent, high-volume restaurants or nightclub-style venues. What core coverages and limits are available?The program offers primary liability limits up to $3,000,000 occurrence/aggregate, $5,000 Medical Payments included, available liquor liability, and excess/umbrella capacity up to $25,000,000. Property and crime options can be added as needed. Are there specific underwriting items I should submit?Underwriters typically request a completed application, current loss runs, description of operations (including types of events served), and information on alcohol service and food-handling procedures. Exact requirements vary by carrier. Which states and filing status apply?This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA and WY. Carrier availability varies by state; admitted/filing status should be confirmed on submission since it is not specified in the program listing. Need help placing an account? Connect with a market specialist.

...heir ranch or leases it to a third party, this program is designed to meet a w... – Protects the insured against third-party bodily injury and property damage ...

...ies of contract language for third-party relationships. Minimum premium: ... years of loss runs, a narrative of services, staffing and supervision details...

Program Highlights for Farm Insurance: Colonial General Insurance Agency, Inc. offers a Farm & Ranch Insurance Program designed for small to mid-sized farms across the Western U.S. The program handles owner-occupied operations as well as properties rented to third parties. Coverage options are flexible so you can tailor a package for seasonal residences, tenant-occupied farms, or active family operations. Ideal Accounts and Appetite This program is a good fit for agents placing: Small to mid-sized farms and ranches (crop, livestock, hobby farms) Owner-occupied dwellings where farming is the primary activity Seasonal, secondary-use, or part-time farm properties Tenant-occupied farm dwellings and leased hobby farms Example accounts you might submit: a client who leases a hobby farm in Colorado and needs liability and scheduled farm property, or a part-time ranch owner in Utah who needs dwelling coverage while on-site seasonally. Coverage Highlights and Advantages Key coverage features Basic or Broad form property options Comprehensive personal liability coverage for farm-related exposures Coverage for Farm & Ranch structures — barns, fences, corrals, and outbuildings Farm & Ranch personal property protection for tools, equipment, and small machinery Dwelling and contents available on Replacement Cost or Actual Cash Value basis Flexible policy structures Owner-occupied / Seasonal: Dwelling and Liability package with optional scheduled Farm Property and Farm Personal Property Tenant-occupied: Dwelling and Loss of Use with optional scheduled Farm Property Tenant package: Contents, Loss of Use, and Liability with optional scheduled Farm Personal Property Underwriting Notes Colonial General works with multiple admitted and non-admitted markets to find the right placement for each account. Underwriting is case-by-case: the program is designed to be flexible around farming operations, seasonal occupancy, and tenant situations. Provide complete details about operations, structures, values of farm property, and any hired/contract labor to get the most accurate quote. Territories and Availability The Farm & Ranch program is available in these states: Arizona (AZ) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings focused expertise in farm and ranch risks. Agents get responsive underwriting, access to a range of markets (admitted and non-admitted where available), and the ability to tailor coverages for seasonal, tenant, or owner-occupied farms. The MGA structure helps when accounts need flexible terms or access to specialty capacity. Frequently Asked Questions What types of accounts are a good fit for this farm insurance program?This program is ideal for small to mid-sized farms, including owner-occupied, seasonal, and tenant-occupied properties across AZ, CO, ID, NV, NM, UT, and WY. Can I write coverage for tenant-occupied farm dwellings?Yes. Colonial General offers options for tenant-occupied farms, including coverage for the dwelling, Loss of Use, and scheduled farm property. Are both personal and business farm property covered?Yes. The program includes options for both Farm & Ranch structures (barns, fences) and Farm Personal Property (tools, machinery, small equipment). Is this program available on an admitted basis?Some markets within the program are admitted; availability depends on the state and the specific account. Colonial General can also place accounts in non-admitted markets when necessary. What carriers does Colonial General work with for this program?Carrier availability varies by state and account. Colonial General partners with a range of admitted and E&S markets to provide competitive options for farm and ranch risks. Need help placing an account? Connect with a market specialist.

Landowners Insurance Program from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a flexible Landowners Insurance program for agents and brokers placing risks involving vacant or undeveloped land, real estate development sites, and acreage leased to third parties. As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple admitted and non-admitted markets across the western U.S. This program is designed for insureds who own land with little or no physical improvement or who lease acreage for farming, grazing, hunting, mineral extraction, parking, or other uses. Colonial General’s broad underwriting appetite and access to higher liability capacity help you place accounts that may not fit standard markets. Ideal Accounts and Target Risks This program is tailored for property owners with the following types of land: Vacant land held for investment or future development Undeveloped land used for recreational purposes (hiking, fishing, camping) Land leased to others for grazing, farming, hunting, parking, or similar uses Real estate development sites awaiting construction Land used for commercial activities such as strip mining or quarries Example fits: a client who owns 100 acres leased seasonally for cattle grazing, or an investor holding multiple undeveloped parcels intended for resale or future construction. Coverage Highlights and Advantages Policy Highlights: Coverage is available for vacant land, development property, and land leased to others. Tenant uses can include grazing, hunting, camping, fishing, parking, farming, hiking, cross-country skiing, strip mining, quarries, and similar activities. When tenants occupy the land, they should maintain their own insurance and name the owner as an additional insured. Commercial General Liability coverage available: Primary limits up to $3,000,000 occurrence / aggregate $5,000 Medical Payments — included Additional interests — $100 each Excess/umbrella capacity up to $25,000,000 No deductible required on many placements Underwriting Notes and Minimum Premiums Colonial General works with a range of carriers to structure coverage that matches the land use and exposure. While a single minimum premium is not specified, accounts with clear, documented land use and tenant agreements place more efficiently. Underwriting will evaluate acreage, access, proximity to public areas, known hazards, and tenant operations. Submissions should include land location, acreage, intended use, a description of tenant activities, and copies of any tenant agreements. Evidence of tenants’ insurance and requests to add the landowner as an additional insured will help speed placement. Territories and Availability This Landowners Insurance program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states; other placements may require excess & surplus solutions through Colonial General’s E&S capabilities. Why Work with Colonial General Insurance Agency? Colonial General brings niche expertise placement for non-standard property and liability risks across the western U.S. As an MGA and E&S broker, they offer access to multiple markets and flexible underwriting for vacant land, leased acreage, and development sites. Their team assists agents and brokers with submission requirements and can help structure liability and excess layers for higher-limit needs. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts involving vacant land, undeveloped parcels, or land leased for grazing, farming, hunting, or similar uses are ideal. Real estate development sites awaiting construction are also eligible. Can the land be leased to tenants for commercial activities?Yes. Land leased for activities like strip mining, quarries, or agriculture can be covered. Tenants should provide proof of insurance and name the landowner as an additional insured when requested by underwriting. Are there restrictions on land size or location?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Underwriters will consider acreage, use, and location when evaluating a risk; there is flexibility on size but each account is reviewed on its facts. Is this program available through admitted carriers?Some admitted markets are available depending on state and risk profile. Colonial General also places eligible business in non-admitted markets via its E&S relationships. What documents are needed to submit a quote?Provide land location, acreage, intended and historical use, tenant agreements, and any known loss history. Including tenant insurance details and requests for additional insured status accelerates underwriting. Need help placing an account? Connect with a market specialist.