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Recreational Marine Insurance Whether your client’s business is a marina, boat dealer, yacht club, boat repair yard or marine artisan, navigating the waters of marine insurance can be challenging. Securing the right coverage to protect against the unique risks your client’s marine business faces is critical. Harbor Risk, a division of IGP Specialty, provides insurance solutions for all types of recreational marine businesses. By choosing to work with Harbor Risk, you’ll receive expert guidance from a knowledgeable team who specializes in marine-related insurance. Our extensive understanding of the marine industry allows us to determine the appropriate coverage for your client’s business, and we provide access to those specialized marine products and solutions.

... Luxury Yacht Builders Coal Docks Offshore Industries Note: A m...

...or community-based residential associations. This program is ideal for agents ...ial communities such as homeowner associations, townhome associations, condominium associations, and cooperative housing corpor...

...Agency, Inc. offers a focused Boat Dock Construction Insurance program for contractors who build and install docks, piers and boat lifts. Whether your c...ontractors that build or install boat docks, piers, and boat lifts—especially ...

...rs Steamship agents and coal dock operators Luxury yacht builders ...

...26; Onshore contractors working on docks, piers, platforms, and vessels &#...

...vides lifeguards for homeowner associations — needs liability with sexual/phys...

Policy Highlights for Christmas Tree Lots Insurance: Colonial General Insurance Agency, Inc. offers a tailored Christmas Tree Lots Insurance program designed to help agents place seasonal accounts with confidence. Whether your client operates a single temporary lot or manages multiple holiday locations, this program provides essential property and liability coverages suited for the unique risks associated with Christmas tree sales operations. Ideal Accounts and Appetite This program is an excellent fit for: Seasonal Christmas tree lot operators with temporary or semi-permanent setups Vendors operating in leased lots, parking areas, or retail spaces Operations requiring short-term coverage during the holiday season Common exposures such as customer slip-and-falls, theft of inventory, and weather-related property damage can be addressed. Accounts with clean loss history and organized risk management practices are preferred. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence and Aggregate $5,000 Medical Payments included Excess or Umbrella limits available up to $25,000,000 No deductible required Crime Coverage: Inside the Premises – Theft of Money and Securities Robbery or Safe Burglary of Other Property Outside the Premises coverage Property Coverage Options: Basic, Broad, or Special Form Building and Contents Business Income and Equipment Breakdown Computer Equipment and Inland Marine Food Spoilage and Outside Signs Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value This comprehensive set of coverages allows agents to present fully packaged solutions to seasonal clients, with flexible options to meet different risk profiles. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on risk characteristics, location, and coverage selections. Colonial General evaluates each submission individually and offers flexible underwriting for seasonal operations. Agents should be prepared to provide details on operating hours, security measures, and prior claims, if any. Territories and Availability This program is available in the following Western states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Some admitted markets are available, depending on the state and account profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep experience in placing niche seasonal risks. Their team understands the short duration and unique exposures of Christmas tree lots and works with a variety of carriers to find the right fit. With responsive service and access to both admitted and non-admitted markets, Colonial General is a valuable resource for agents looking to write seasonal tree lot business quickly and effectively. Contact Colonial General Insurance Agency, Inc. today to learn more about how you can place your Christmas Tree Lots Insurance accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for seasonal Christmas tree lot operators, particularly those with temporary setups in parking lots, retail areas, or leased spaces during the holiday season. Is this program available in all states?No, the program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both property and liability coverages available?Yes, agents can access property and liability coverage on a mono-line or package basis depending on the client's needs. What documentation is needed for underwriting?Basic information such as location details, operating dates, security measures, and prior loss history will help expedite underwriting. Can I get coverage for theft or burglary?Yes, the program includes crime coverage options for theft of money, securities, and property both inside and outside the premises. Need help placing an account? Connect with a market specialist.

Policy Highlights for Detox Facility Insurance: Colonial General Insurance Agency, Inc. offers a specialized Detox Facility Insurance program designed to meet the unique risks and regulatory challenges faced by substance abuse treatment providers. Whether your client operates a freestanding detox center, a hospital-affiliated unit, or a specialized addiction treatment facility, Colonial General can help you secure the right coverage tailored to their operations. Ideal Accounts and Appetite This program is built for facilities that provide detoxification and rehabilitation services for individuals struggling with substance abuse. Target accounts may include: Freestanding detox centers Hospital-based or affiliated detox units Specialty hospitals focused solely on substance abuse treatment Rehabilitation facilities offering inpatient or outpatient services Clinics affiliated with mental health centers or HMOs Accounts that demonstrate a commitment to licensed care, proper staffing ratios, and compliant operational standards are typically preferred. Coverage Highlights and Advantages Colonial General’s Detox Facility Insurance offers flexible coverage options to help protect your clients from a range of exposures, including: General Liability and Professional Liability Property and Equipment Coverage Sexual Abuse and Molestation Liability Employee Practices Liability (EPLI) Medical Malpractice (where applicable) Coverage solutions are designed to address the complex needs of detox and rehab service providers, including the risks associated with medical treatment, counseling, and patient management. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer competitive pricing and underwriting flexibility. While minimum premium requirements may vary by market and account size, this program is structured to accommodate both small and mid-sized facilities. Underwriting will consider factors such as services offered, facility type, licensing, claims history, staff qualifications, and more. Territories and Availability This program is currently available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Both admitted and non-admitted markets are available in select territories, depending on the account and risk profile. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing hard-to-insure risks. Their focus on niche healthcare and social services programs means you get access to knowledgeable underwriters and a broad range of market options. Whether your client is opening a new detox facility or expanding an existing one, Colonial General can help you find the right coverage solution quickly and efficiently. Visit the Colonial General Insurance Agency, Inc. profile to learn more about their full range of programs and capabilities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freestanding detox centers, hospital-affiliated units, and specialty facilities focused on substance abuse treatment. Which states is this program available in?The Detox Facility Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted carriers used?Yes, Colonial General has access to both admitted and non-admitted markets, depending on the state and risk profile. What coverages are typically included?Common coverages include General Liability, Professional Liability, Property, Sexual Abuse Liability, and EPLI, among others. Does the program accommodate new ventures?Yes, new ventures may be considered depending on the business plan, licensing, and staff background. Need help placing an account? Connect with a market specialist.