Search CompleteMarkets

Church Insurance Program from Halcyon Underw...der operational exposures. Are older church buildings eligible for coverage?Ye...

Policy Highlights — Church Insurance Colonial General Insurance Agency, Inc. offers a dedicated Church Insurance program designed for houses...uently Asked Questions What types of church accounts fit this program?Small to...

...nt venues, independent caterers, catering trucks, sandwich and food trucks, an...al for banquet halls, event venues, catering services, food trucks, and ice cr...

...buildings such as former schools, churches, or other institutional structures ...le houses, log cabins, and converted churches or schools used as residences. I...

...her organization (such as a YMCA, church, hotel, or club), this program provid...s affiliated with organizations like churches, hotels, and clubs. Is coverage ...

...le food vendors and small mobile catering operations. This program is offered ...

... a multi-acre RV park in Arizona catering to snowbirds or a mobile home commun...

... on a monoline or package basis, catering to retail stores that may include in...

M.J. Hall & Company now offers Hotel, Hospitality, Habitational, Restaurant, Retail, Office and Service Insurance! Hotel · Hospitality · Habitational · Restaurant · Retail · Office · Service Overview of the Program From M.J. Hall & Company M.J. Hall & Company offers a comprehensive insurance solution tailored for a wide range of commercial property types, including hotels, restaurants, retail stores, office buildings, and habitational risks. As an established Excess & Surplus Lines Broker, we partner with various carriers to provide competitive coverage options for hard-to-place or unique risks, especially in the hospitality and service sectors. Ideal Accounts and Appetite This program is designed for insureds operating in: Hotels and motels, including boutique and independent operations Restaurants, bars, and cafes Retail businesses and service providers Apartment buildings and residential rental properties Office buildings and mixed-use properties You might have a client who owns a multi-unit apartment complex with retail tenants, or a restaurant that also serves alcohol—this program can help cover those exposures. Coverage Highlights and Advantages Our Hotel, Hospitality, Habitational, Restaurant, Retail, Office and Service Insurance Coverage Includes: General Liability Primary Limits up to $2,000,000 Products Aggregate $2,000,000 Liquor Liability available Property Basic, Broad & Special Forms Building Coverage Business Personal Property 80% Coinsurance ACV & RC Additional Available Coverages: Business Income Rental Income Non-owned/hired auto Medical payments coverage Personal and Advertising Injury Crime Workers Compensation Underwriting Notes and Minimum Premiums This program is available for qualified risks only. Our underwriting team reviews each submission carefully to ensure fit with available carrier guidelines. Appetite may vary depending on occupancy, loss history, and property characteristics. Territories and Availability Coverage is available in the following states: Alaska, Arizona, California, Hawaii, and Nevada. Some coverages may be offered on an admitted basis depending on the state and risk profile. Why Work With M.J. Hall & Company With decades of experience in the E&S marketplace, M.J. Hall & Company gives you access to a variety of carriers and flexible options for hospitality, retail, and service-oriented businesses. Our team understands the complexities of these industries and works closely with retail agents to deliver solutions that help protect your clients' property and liability exposures. Our agents would be happy to discuss our Hotel, Hospitality, Habitational, Restaurant, Retail, Office and Service Insurance with you – contact M.J. Hall today! Qualified Risks Only Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, restaurants, apartment buildings, retail stores, and service-based businesses, especially those with unique exposures or hard-to-place risk profiles. Is liquor liability available under this program?Yes, liquor liability is available for qualified risks, such as restaurants or bars that serve alcohol. Which states is this program available in?Coverage is currently offered in Alaska, Arizona, California, Hawaii, and Nevada. Are admitted markets available?Some coverages may be offered on an admitted basis depending on the state and underwriting guidelines. What is needed to submit a risk for underwriting review?Provide a completed application, loss runs, property details, and any supplemental forms required for specific coverages like liquor liability or workers comp. 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.