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Policy Highlights for Tavern Insurance: Colonial General Insurance Agency, Inc. offers a focused Tavern Insurance program for taverns and restaurants where alcohol sales are 30% or more of total gross receipts. The program supports small neighborhood bars through high-volume full-service restaurant bars, with Property and Liability available on a mono-line or package basis to fit varied risk profiles and operational needs. Ideal Accounts and Appetite This program is best suited for agents placing: Taverns and bars with significant alcohol sales (30%+ of gross sales) Restaurants with full-service bars or late-night service Small to mid-sized hospitality establishments that provide food and entertainment Accounts with prior losses or complex exposures may still be considered — Colonial General’s underwriting is flexible and reviews submissions on a case-by-case basis. This market offers both admitted and non-admitted options in select states. Coverage Highlights and Advantages Property Coverage Available for Taverns: Accounts Receivable Basic, Broad, or Special Form Building and Business Personal Property Business Income and Extra Expense Computer Equipment Equipment Breakdown Food Spoilage Contents and Outside Signs Valuable Papers Replacement Cost or Actual Cash Value (ACV) Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence/aggregate Liquor liability included Excess/umbrella limits up to $25,000,000 Assault and/or battery limited liability coverage ($25,000 per event / $50,000 aggregate) Medical payments coverage ($5,000) Additional insureds available No deductible required on liability (per program terms) Crime Coverage Available: Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage Underwriting Notes Coverage can be bound as mono-line or as a packaged program. Colonial General evaluates each submission on exposures, location, and operations; pricing and structure are tailored to the account. There is no published minimum premium — actual minimums, if any, will be determined by the underwriters and the market selected. Territories and Availability This Tavern Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Depending on the state and the account, coverage may be placed through admitted or non-admitted markets. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides regional hospitality expertise and broad market access. The program is backed by multiple carrier partners and offers underwriting flexibility for common tavern risks — liquor exposure, assault/battery incidents, food spoilage, and equipment breakdown among them. Agents benefit from responsive underwriting, placement options across admitted and E&S markets, and policy forms that address hospitality-specific exposures. You can rely on Colonial General to help structure limits, excess layers, and ancillary coverages to fit your client’s operation. Practical Placement Examples You may have a neighborhood tavern with moderate alcohol sales, dart leagues, and a single bartop — this program can provide primary GL with liquor liability and limited assault/battery coverage. A mid-size restaurant with a full bar, commercial kitchen, and late-night hours can be placed with both property (including food spoilage and equipment breakdown) and high-limit excess liability to address elevated exposures. Frequently Asked Questions What types of accounts are a good fit for this Tavern Insurance program?Ideal accounts include taverns, bars, and restaurants where alcohol sales are 30% or more of gross receipts. Establishments with entertainment or late-night operations are routinely considered. Is liquor liability coverage included in this program?Yes. Liquor liability is available as part of the Commercial General Liability offering, with primary limits up to $3 million and excess options up to $25 million. Can I submit accounts located in multiple states?Yes. Colonial General writes business in AZ, CA, CO, ID, NV, NM, UT, and WY. Multi-state operations within these states can be submitted and will be evaluated by underwriting. Are there coverage options for food spoilage and equipment breakdown?Yes. Both food spoilage and equipment breakdown are available under the Property section to protect perishable inventory and kitchen equipment. Does the program offer any assault and battery coverage?Yes. A limited assault and/or battery liability form is available with $25,000 per event and $50,000 aggregate limits. Need help placing an account? Connect with a market specialist.

Policy Highlights for Directors and Officers Insurance: In today’s litigious and highly regulated business environment, directors and officers face elevated risks and increasing personal liability. Without a dedicated D&O policy, their personal assets may be exposed if the organization cannot or will not indemnify them. Colonial General Insurance Agency, Inc. offers a flexible, market-backed Directors and Officers Insurance program designed to protect individual leaders and the organizations they serve. Overview of the Program From Colonial General Insurance Agency, Inc. Colonial General operates as a Managing General Agency and an Excess & Surplus Lines broker with broad market access. That position lets us place D&O solutions for nonprofits, privately held firms, and publicly traded companies. We can access admitted markets where available and use non-admitted capacity when needed to achieve terms that match your client’s exposures and jurisdictional requirements. Ideal Accounts and Appetite This D&O program is a strong fit for: Nonprofit organizations (charities, foundations, trade associations) Privately held companies across a wide range of industries Public companies and pre-IPO firms managing evolving governance risks The program commonly accommodates mid-market accounts and organizations with standard governance structures. It can also be packaged with Employment Practices Liability (EPLI), Crime, and Fiduciary Liability to create a consolidated management liability solution. Coverage Highlights and Advantages Key features agents can expect from Colonial General’s D&O program include: Smooth excess policy structure with an expansive definition of “drop-down event,” allowing the excess to respond when underlying carriers deny or intend to deny coverage. No automatic exclusions for bodily injury, property damage, or pollution—broader than many standard D&O forms. A broad definition of “loss,” improving the policy’s ability to respond to diverse claim types. A targeted “organization vs. insured person” exclusion that focuses on collusive internal actions rather than sweeping corporate exclusions. A comprehensive definition of “claim” that includes arbitration, mediation, extradition proceedings, subpoenas, and similar proceedings. Enhanced Outside Directorship Liability for insureds serving on external boards. Specific terms and pricing will vary by carrier and the nature of the risk; Colonial General uses its market relationships to secure competitive and appropriate wording. Underwriting Notes and Minimum Premiums Each submission is underwritten on its own merits. Underwriting requirements and appetite vary by carrier—submissions with prior D&O claims, governance or fiduciary concerns, or operations in higher-risk industries will receive additional scrutiny. While there is no published blanket minimum premium, Colonial General places accounts across admitted and non-admitted markets to match cost and coverage needs. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability of admitted versus non-admitted markets varies by state and by the specifics of the account. Why Work With Colonial General As an experienced MGA and E&S broker, Colonial General provides depth of market access and practical placement guidance. Agents benefit from responsive underwriting, flexible policy structures, and the ability to package related management liability coverages. Our approach helps you place complex leadership-risk accounts efficiently while seeking contract language that better protects insureds. Example Accounts You have a regional nonprofit with volunteer board members facing increasing regulatory oversight—this program can provide director-level protection and limit board members’ personal exposure. You represent a privately held technology firm preparing for a capital raise—Colonial General can help structure D&O limits and outside directors coverage to address investor and governance concerns. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s D&O program?Nonprofits, privately held businesses, and publicly traded companies are all eligible. The program is designed to accommodate a broad range of industries and organizational structures. Can this D&O coverage be packaged with other management liability products?Yes. In many cases D&O can be packaged with EPLI, Crime, and Fiduciary Liability depending on the client’s needs and the carrier’s appetite. What makes Colonial General’s D&O program different?The program offers broader definitions of key terms, fewer standard exclusions, and enhanced protection for outside directorships—features that provide stronger protection in complex scenarios. Are admitted markets available for this program?Yes. Some admitted markets are available depending on the state and the risk; Colonial General also has access to non-admitted markets when needed. Which states is the program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.