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...igned for businesses that handle fireworks, explosives, and theatrical special...this program?Ideal accounts include fireworks manufacturers, display operators, special ef...

...tors Equipment and Machinery Fireworks Medical and Diagnostic Equipmen...program?This program is ideal for manufacturers and distributors of products w...

...surance is designed to protect manufacturers, distributors, and other business...overage • Enhanced protection for manufacturers and distributors, including: ...

... are clear tenant exclusions: Fireworks dealers Grain silos Military or...trictions?Yes. We typically exclude fireworks dealers, grain silos, military/d...

Policy Highlights for Special Events: Colonial General Insurance Agency, Inc. offers a dedicated Special Events Insurance program that helps agents and brokers place short-term event risks with flexible underwriting and wide coverage options. Whether your client is staging a small neighborhood fundraiser or a large public festival, this program supports tailored Property and Liability solutions on a mono-line or package basis. Ideal Accounts and Appetite This program fits a broad variety of temporary and seasonal events, including: Art and craft shows Bazaars and exhibitions Concerts and dances Festivals and fairs Bicycle and running events Christmas tree lots and pumpkin patches Firework displays and stands Haunted houses Meetings and trade shows Programs are designed for events with moderate to high foot traffic, temporary structures, rented equipment, and food or alcohol service. Coverages can be tailored to include liquor liability and crime exposures when needed. Example scenarios: You have a client running a three-day street festival with food vendors and live music — coverage can include general liability, liquor liability for vendor sales, and inland marine for rented equipment. You represent a nonprofit planning a one-day charity run with temporary road closures and high participant counts — the program can provide high occurrence limits and medical payments coverage to manage participant exposures. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence/Aggregate Liquor liability available for qualifying events Medical payments included—$5,000 limit Excess/Umbrella capacity up to $25,000,000 No deductible required in many cases Property Coverage: Building and contents for temporary structures Business income and equipment breakdown Computer equipment and outside signs Food spoilage and inland marine for transported or rented items Valuable papers and accounts receivable Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value options Crime Coverage: Inside the premises—Theft of money and securities Inside the premises—Robbery or safe burglary of other property Outside the premises coverage for in-transit exposures Underwriting Notes and Market Access Colonial General works with multiple admitted and non-admitted markets to provide flexible placement options. Underwriting emphasizes the specific exposures of each event—attendance, alcohol service, vendor operations, temporary structures, and security plans are key factors. There is no required minimum deductible, and submissions are streamlined for quick quoting and binding. Contact Colonial General to confirm carrier availability and appetite for higher-risk or high-attendance events. Territories and Availability This Special Events program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise with broad market access. Agents benefit from a responsive underwriting team, multiple carrier options (admitted and non-admitted where available), and experience placing complex or nonstandard event risks. Colonial General can help you structure limits and endorsements to match each event’s risk profile and deliver turnkey proposals to your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?Temporary and seasonal events—festivals, fairs, concerts, art shows, haunted houses, and food/beverage events—are a strong fit, including those requiring liquor liability. Can I get liquor liability coverage for events that serve alcohol?Yes. Liquor liability is available for qualifying events where alcohol is served or sold; underwriting will evaluate service method, controls, and vendor operations. Is there a minimum premium requirement for this program?Minimums vary by event type, location, and coverages selected. Reach out to Colonial General for specific underwriting thresholds and quick premium guidance. Which states is this program available in?This Special Events Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. How quickly can coverage be bound for a special event?Colonial General offers a streamlined submission and quoting process for most event risks, enabling fast turnaround on quotes and binding when required documents are provided. Need help placing an account? Connect with a market specialist.

Wage and Hour lawsuits are increasing rapidly, with claims rising by more than 450% between 2000 and 2015. These claims can result in significant defense costs, settlements, and judgments—often not covered under standard D&O or EPLI policies. Midlands Management Corp offers a Wage and Hour Insurance program designed to help your clients manage these risks effectively. Comprehensive Protection from a Trusted Carrier Midlands’ Wage and Hour Insurance bridges the gap left by traditional employment practices liability coverages. This program is tailored for large employers and offers both indemnity and defense coverage for a broad range of wage and hour-related exposures. Whether claims are brought by individuals or government agencies like the Department of Labor, Midlands can help safeguard your clients’ financial health. Ideal Accounts and Target Industries This program is best suited for companies with 1,000 or more employees. Target industries include: Hotels and hospitality Restaurants and food service Manufacturing High-tech and IT firms Transportation and logistics Healthcare facilities Construction Retail chains If you work with large employers in these sectors, Midlands can be a key partner in helping you place this often hard-to-find coverage. Coverage Highlights and Advantages Indemnity and defense coverage for Wage and Hour claims Broad definition of claims, including those brought by the Department of Labor and private individuals Coverage includes: Misclassification of employees (exempt vs. non-exempt) Failure to pay minimum wage or overtime Unpaid meal and rest breaks Wrongful deductions Improper time recordkeeping Off-the-clock work claims Misclassification of independent contractors Available for both primary and excess placements Policies issued quickly and can be delivered electronically Risk management support available Direct access to a seasoned underwriting team Competitive pricing for qualified risks Underwriting Notes and Minimum Premiums Midlands requires a minimum retention of $100,000, with a higher threshold of $250,000 for California risks. The minimum premium for this coverage starts at $75,000. Strong underwriting support ensures that qualified risks receive timely and knowledgeable service. Territories and Availability This program is available in most U.S. states, including but not limited to CA, TX, NY, FL, IL, and PA. Midlands can write this coverage on a non-admitted basis through multiple markets, offering flexibility and access to specialized carriers. Why Work With Midlands Management Corp Midlands is a proven carrier with decades of experience in employer liability and specialty coverages. Their underwriting team understands the complexity of wage and hour exposures and is responsive, efficient, and easy to work with. Whether you’re placing a single-location hospitality group or a national retail chain, Midlands offers the expertise and tools to help you secure the right coverage for your clients. If you have a client facing increasing compliance scrutiny or recent audits, now is the time to explore Wage and Hour Insurance through Midlands. Email Midlands today to learn more or request a quote. Frequently Asked Questions What types of accounts are a good fit for this program?Companies with 1,000 or more employees in industries like hospitality, manufacturing, tech, and healthcare are ideal candidates. Are both primary and excess placements available?Yes, Midlands can consider both primary and excess wage and hour coverage opportunities. What is the minimum retention requirement?The minimum retention is $100,000, with a higher requirement of $250,000 for risks in California. Does this policy cover claims made by the Department of Labor?Yes, the definition of “claim” includes actions brought by the Department of Labor as well as individual claimants. How quickly can policies be issued?Policies are issued quickly and can be delivered via email for your convenience. Need help placing an account? Connect with a market specialist.