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...t strip and neighborhood shopping centers. The program supports monoline or pa...a good fit for this program?Shopping centers with at least five retail units a...

...ay include: Freestanding detox centers Hospital-based or affiliated detox...gram is ideal for freestanding detox centers, hospital-affiliated units, and s...

...coverage eligibility for learning centers and tutoring facilities. Coverage is...ational schools, as well as tutoring centers and private K-12 institutions off...

... certification programs. Learning centers and tutoring operations are also eli...ll as private K–12 schools, tutoring centers, and learning institutes offering...

...lf courses Family entertainment centers with mini-golf components Indoor o...m?Miniature golf courses, family fun centers with golf attractions, and indoor...

... park offering interactive animal feeding experiences and guided tours. Unde...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Recycler Insurance program tailored for businesses involved in material recovery. This program is designed for facilities that handle aluminum, copper, glass, plastics, paper, rags, clothing, and electronic devices such as computers, monitors, and televisions. Whether your clients operate a full-scale recycling center or manage off-site collection points, this program provides flexible options to meet their property and liability needs. Ideal Accounts and Appetite This program is a strong fit for accounts that focus on the collection, separation, and resale of recyclable materials. Examples include: Material Recovery Facilities (MRFs) Scrap metal yards handling copper and aluminum Electronic waste recyclers processing computers, TVs, and monitors Clothing and textile recycling operations You might have a client with a regional recycling center that accepts and sorts a mix of metals and electronics. Or perhaps a business that operates drop-off bins for used clothing and sells sorted product in bulk. These are the types of operations that this program is built to support. Coverage Highlights and Advantages This Recycler Insurance program offers flexibility with mono-line or package options. Key coverages include: Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Hired and Non-Owned Auto coverage Excess or Umbrella limits available up to $25,000,000 $5,000 Medical Payments Coverage included Additional Insureds for $100 each No general liability deductible required Property Coverage Building, Contents, and Business Income Computer Equipment and Equipment Breakdown Inland Marine and Outside Signs Accounts Receivable and Valuable Papers Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value (ACV) Crime Coverage Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary Outside the Premises Underwriting Notes and Market Access Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on the specific risk and state regulations. Appetite may vary by facility type, location, and operational details, so a complete submission is encouraged for underwriting review. The program is accessible through Colonial General’s position as a Managing General Agency and Excess & Surplus Lines Broker, giving agents access to a broad range of markets. Territories and Availability This Recycler Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General Colonial General Insurance Agency, Inc. brings deep expertise in niche commercial programs, including recycling and material recovery operations. As a trusted MGA and E&S broker, Colonial General provides responsive service, underwriting insight, and access to a wide array of markets. If you're looking for a reliable partner to place hard-to-insure recycler accounts or need a comprehensive package for a growing facility, Colonial General can help you find the right solution. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that collect, sort, and resell recyclable materials such as metals, paper, plastics, textiles, and electronics are ideal for this program. Facilities with on- or off-site collection points are also eligible. Is this program available on an admitted basis?Some markets are admitted, while others are non-admitted. Availability depends on the specific risk profile and state location of the insured. What coverages are included in the package?The package can include Commercial General Liability, Property (building, contents, business income), Crime, Equipment Breakdown, Inland Marine, and Umbrella/Excess Liability. Coverage can be customized based on the client’s needs. In which states is this program available?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer coverage for electronic waste recyclers?Yes, the program is designed to include facilities that process electronic devices such as computers, TVs, and monitors. Need help placing an account? Connect with a market specialist.

...ses) Logistics and distribution centers Facilities with incidental office ...including mini-warehouses, logistics centers, and storage facilities that hand...

.... Typical fits include: Retail centers and strip malls with HVAC systems an...such as offices, restaurants, retail centers, and healthcare facilities—are we...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Exercise Studio Insurance program designed for a wide range of health and fitness businesses. This program provides comprehensive Property and Liability coverage on a mono-line or package basis, making it flexible and easy to tailor to your clients’ needs. Ideal risks include exercise equipment clubs, aerobic studios, weightlifting gyms, personal trainers, massage parlors, dance studios, and physical therapists. Childcare services offered on premises for club members are also covered. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary Limits available up to $3,000,000 per occurrence / aggregate Liquor Liability (where applicable) Hired and Non-Owned Auto coverage Excess or Umbrella Limits up to $25,000,000 Included Endorsements and Features: Medical Payments Coverage – $5,000 Limit Blanket Additional Insured Endorsement Club Members included as Additional Insureds Errors and Omissions Coverage – up to policy limits Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (optional higher limits available) No deductible required Loss Prevention Brochure provided Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown and Food Spoilage Inland Marine and Valuable Papers Outside Signs Accounts Receivable Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Theft of Money and Securities – Inside the Premises Robbery or Safe Burglary of Other Property – Inside the Premises Theft and Robbery – Outside the Premises Ideal Accounts and Appetite This program is an excellent fit for small to mid-sized fitness-related businesses that require both liability and property protection. You can confidently place accounts such as: A suburban dance studio with part-time instructors and a modest inventory of sound equipment A boutique personal training gym offering massage services and member childcare A yoga or Pilates studio looking for Errors and Omissions and Abuse & Molestation coverage Businesses offering high-risk activities like rock climbing or martial arts may fall outside of appetite—check with underwriting for clarification. Underwriting Notes Colonial General works with a range of carriers (markets vary) and can access both admitted and non-admitted options depending on the account and state. No deductible is required for standard policies, and abuse coverage can be increased upon request. Minimum premiums may vary—contact underwriting for specifics on your client’s risk profile. Territories and Availability This Exercise Studio Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers deep experience in niche commercial programs. Their Exercise Studio Insurance program is structured to help agents efficiently place fitness and wellness business with tailored coverage options and competitive limits. From streamlined underwriting to value-added resources like loss prevention materials, Colonial General supports agents in delivering strong solutions for fitness-related risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include exercise studios, personal training gyms, dance studios, massage parlors, and physical therapy offices. Facilities that offer member childcare or wellness services are also eligible. Is childcare coverage included in the policy?Yes, coverage is available for childcare provided to club members while on the premises, subject to underwriting approval. Can I get Abuse and Molestation coverage with higher limits?Yes, the standard policy includes $25,000 per claim and $50,000 aggregate, but higher limits are available upon request. In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available for General Liability?Primary limits up to $3,000,000 occurrence/aggregate are available, with excess or umbrella coverage up to $25,000,000. Need help placing an account? Connect with a market specialist.