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Our Miscellaneous Professional Liability Insurance program from INSURANCE MARKETS AGENCY INC is designed for independent agents who need a flexible market for businesses that provide professional or administrative services but do not fit into traditional professional malpractice markets. The program helps protect your clients when they are sued for alleged negligence, errors, omissions, misrepresentation, or failure to perform professional services — even in situations where no actual mistake has occurred. Underwriting and carrier appetite vary by class; this program places business on a non-admitted / E&S basis through experienced underwriters. Classes: Answering Services Arbitrator Billing Service Book Keeper Business Manager Caterer Claims Adjuster Classroom Instructor Cleaning Service Coaching Service Collection Agency Consultants Damage Appraiser Dance Instructor Dog Obedience School Employment Agency Event Planner Graphic Designer Insurance Inspector Mailing Services Notary Payroll Processing Pet Grooming Service / Pet Sitter Photographer Printer Private Investigator Property Manager Sports Instructor Teacher / Tutor Third Party Administrator … And Many More! Overview of the Program The program is intended for small- to mid-sized professional and service businesses that face liability from the services they perform. INSURANCE MARKETS AGENCY INC places these accounts with multiple E&S carriers (carriers vary by class) to provide competitive coverage and capacity when admitted markets are limited or unavailable. Policies are underwritten with practical, serviceable terms for common professional exposures and are supported by brokers experienced in miscellaneous professional liability. Ideal Accounts and Appetite This program is a strong fit for businesses that provide non-licensed professional, administrative, or technical services, including but not limited to: consultants, billing and payroll firms, event planners, photographers, graphic designers, private investigators, property managers, instructors/coaches, and similar classes listed above. Typical accounts have: Clear, documented service descriptions and client contracts. Reasonable annual revenues for a small or medium business. Limited or manageable prior claims history (loss runs required). Operations primarily in New Jersey and Pennsylvania (see Territories below). Coverage Highlights and Advantages Protection for allegations of negligent professional service, errors, omissions, and related defense costs. Flexible limits and endorsements available depending on carrier and class. Access to multiple E&S carriers through a single wholesale partner for faster placement options. Underwriters experienced with miscellaneous classes — helpful for unusual or mixed-service operations. Underwriting Notes and Minimum Premiums Submission requirements typically include a completed application (ACORD or carrier form), a description of services, revenue or payroll breakdown, and current loss runs (usually last 3–5 years). The program generally has minimum premiums in the range of Varies from $2500 - $7500 depending on class, limits, and exposure. Because carriers vary, appetite and specific terms are determined on a per-risk basis. Territories and Availability This program is available in: NJ, PA. Placement is generally through the E&S market; admitted availability is limited. Agents should confirm state eligibility for each submission. Why Work With INSURANCE MARKETS AGENCY INC As a general agency and E&S broker, INSURANCE MARKETS AGENCY INC combines access to multiple markets with underwriting experience for miscellaneous professional risks. You get a single point of contact for placement, tailored underwriting attention for mixed or non-standard operations, and practical guidance on risk presentation to improve chances of competitive terms. Example Accounts That Often Fit You might have a freelance graphic designer with modest annual revenue who needs professional liability limits to contract with a local agency — this program can provide appropriate limits and wording. Or an employment agency that screens candidates and wants coverage for alleged negligent placement or inaccurate references — the program can evaluate and place that exposure through E&S carriers. To learn more about our Miscellaneous Professional Liability Insurance or any other insurance we offer please give us a call 570-586-1471, and ask for Ryan, Bill, Peter or Joe Tierney Frequently Asked Questions What types of accounts are a good fit for this program?Good fits are non-licensed professional and administrative service providers such as consultants, payroll processors, event planners, photographers, property managers, tutors, and similar classes. The program targets small- to mid-sized operations without specialty medical, legal, or accounting malpractice exposures. What is the minimum premium and how are rates determined?Minimum premiums typically range from $2,500 to $7,500 depending on class, limits, revenue, and loss history. Final premiums and terms are determined by the chosen carrier and the specific risk characteristics. What submission materials do underwriters require?Underwriters generally want a completed application (ACORD or carrier form), a clear description of services and operations, revenue or payroll figures, and current loss runs (usually last 3–5 years). Contracts or sample engagement letters may be requested for higher exposure accounts. Are there classes you will not consider?The program is not intended for risks that belong in specialized malpractice markets (for example, physicians, dentists, lawyers, and sometimes CPAs or architects/engineers). High-hazard operations or clients with significant unresolved claim activity may also be declined or require referral. How long does it take to get a quote?Turnaround depends on the completeness of the submission and carrier review, but agents can generally expect an initial quote or feedback within a few business days after a complete submission is received. Need help placing an account? Connect with a market specialist.

We will write almost anything on wheels! Overview of the Commercial Auto Program from INSURANCE MARKETS AGENCY INC INSURANCE MARKETS AGENCY INC offers a flexible Commercial Auto Insurance program built to help agents place hard-to-insure, specialty, and niche commercial auto risks. Whether your client operates a garbage hauling business, a petroleum transportation fleet, a public livery service, or a general trucking operation, this program delivers tailored solutions for a wide range of vehicle-based exposures. Ideal Accounts and Appetite This program targets accounts with specialized vehicle use and experienced drivers. Markets are available for: Garbage & Waste Operations: Residential, commercial, or construction debris hauling using compactors, roll-off trucks, and dump trailers. Petroleum Haulers: Transport of LPG, gasoline, diesel, heating oil, and similar petroleum-based products (with appropriate hazmat documentation). Public Livery Auto: Passenger transport such as limousines, vans, church and hotel buses, sightseeing vehicles, and non-emergency medical transport. Trucking Operations: For-hire or private fleets hauling commodities, equipment, refrigerated goods, livestock, and more — including auto transporters and UIIA-compliant operations. Ineligible Risks We are unable to consider risks that involve: Medical or biohazardous waste transportation Hazardous materials classified as explosives, corrosives, radioactive substances, or poisonous gases School transportation, charter buses, or student drivers Non-employee passengers or short-term leased vehicles Coverage Highlights and Advantages Key features of the program include: Automobile liability limits up to $5 million Excess/umbrella options available above $5 million Physical damage written on a stated value basis Available coverages: Motor Truck Cargo, Trailer Interchange, Refrigerated Breakdown Broadened Pollution Endorsement (CA 99 48) for eligible petroleum haulers Radius of operations: unlimited General Liability available for qualifying operations These enhancements help address unique exposures—such as cargo vulnerability, pollutant release for fuel haulers, and passenger liability for livery operations. Underwriting Requirements and Minimums To ensure timely review, submissions should include: Loss runs for the past 3–5 years Complete VINs on all power units Driver roster with MVRs; drivers must be at least 21 with a minimum of two years’ relevant driving experience Written safety programs and regulatory compliance documentation for hazmat/petroleum haulers Minimum property damage deductible of $500 Minimum premiums and final terms vary by carrier and class. Contact INSURANCE MARKETS AGENCY INC for pricing guidance on specific risk types. Territories and Availability This Commercial Auto program is currently available in New Jersey (NJ) and Pennsylvania (PA). We can place both admitted and non-admitted risks depending on carrier appetite and the specific exposures presented. Why Work With INSURANCE MARKETS AGENCY INC? As a Managing General Agency and Excess & Surplus Lines broker, INSURANCE MARKETS AGENCY INC specializes in placing complex and niche commercial auto accounts. Our strengths for agents include: Access to multiple carrier markets for broader placement options Underwriting experienced with petroleum, waste, livery, and specialty trucking classes Responsive underwriting and tailored policy forms for unique operations Ability to place both admitted and E&S business when appropriate You might have a client that owns a small fleet of roll-off garbage trucks with a clean loss history but limited market options—this program can often provide competitive liability and cargo solutions. Or you may represent a regional petroleum distributor that needs a broadened pollution endorsement and higher liability limits; we have markets that specialize in those exposures. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits garbage haulers, petroleum transporters, passenger transport services, and general freight or commodity trucking operations—especially those with experienced drivers and a reasonable loss history. Are hazardous material haulers eligible?Only petroleum-based haulers are typically eligible. Risks involving explosives, corrosives, or radioactive materials are not accepted. Can I place a mixed-use fleet under this program?Yes. Mixed-use fleets may qualify if each vehicle’s use and exposure fit within the program guidelines. Submit full vehicle and use details for underwriting review. Is this program available outside NJ and PA?Currently, availability is limited to New Jersey and Pennsylvania. Contact INSURANCE MARKETS AGENCY INC for updates on future expansion. What is the turnaround time for quotes?Turnaround depends on class and the completeness of the submission. Providing loss runs, VINs, and driver records up front helps speed the quoting process. Need help placing an account? Connect with a market specialist.

Vacant Buildings Insurance Overview of the Program From Insurance Markets Agency, Inc. Insurance Markets Agency, Inc. offers a dedicated vacant buildings insurance program designed for agents placing residential, commercial and light industrial properties that are vacant, bank-owned, or otherwise unoccupied. The program supports short-term placements with flexible 3, 6, 9 and 12 month policy terms that may be written monoline or as a package. Policies are placed on a non-admitted/surplus lines basis and underwritten with an A.M. Best A++ carrier. Ideal Accounts and Appetite This program is positioned for accounts where a standard admitted market is not available or where a short-term vacancy solution is required. Typical fits include: Vacant single-family homes, townhomes and condos Multi-family buildings sitting vacant between tenants Foreclosed or bank-owned residential and small commercial properties (applicant must not be the party in foreclosure) Light commercial and industrial buildings temporarily off-line (storage, small warehouses) Coverage Highlights and Advantages No limit on length of vacancy — the policy can remain in force beyond traditional vacancy thresholds Replacement Cost and Special Perils coverage options available for buildings under 25 years old 3, 6, 9 and 12 month terms with the ability to extend coverage by endorsement Coverage for properties that have been foreclosed on, provided the applicant is not the party in foreclosure Low minimum premiums and competitive reduced rates to help place accounts that otherwise would be unmarketable Placement through an A.M. Best A++ rated carrier Underwriting Notes and Minimum Premiums Underwriting considers the property’s exposure: security, protection from freezing, prior loss history, condition of roof and utilities, and any evidence of vandalism or prior arson. Replacement cost and broader peril options are generally available for newer buildings (under 25 years). Minimum premiums vary by risk and state—contact Insurance Markets Agency, Inc. for current minimums and rating guidelines. Territories and Placement This vacant buildings program is available in NJ and PA and is placed on a non-admitted (surplus lines) basis. Because placement and filing rules differ by state, agents should follow surplus lines procedures and consult their broker of record or surplus lines broker as needed. Why Work With Insurance Markets Agency, Inc.? As a managing general agency focused on specialty placements, Insurance Markets Agency, Inc. provides underwriting expertise, flexible short-term terms and access to a top-rated carrier for accounts other markets often decline. The program is structured to help you place challenging vacant exposures quickly, with straightforward quoting for varying term lengths and endorsement options to extend coverage while a property is being prepared for sale or re-occupancy. Example account scenarios You have a client who owns a foreclosed single-family rental that will remain empty while title issues are resolved — this program can provide short-term protection while the property is marketed for sale. A small warehouse is vacant while the tenant search continues; the owner needs a 6-month policy with replacement cost coverage — the program can write monoline coverage with an endorsement to extend if needed. For quoting, underwriting guidelines, or to submit a risk, contact Insurance Markets Agency, Inc. at 570-586-1471. Frequently Asked Questions What types of vacant properties does this program accept?This program accepts residential, small commercial and light industrial vacant properties, including vacant single-family homes, multi-family buildings, townhomes, condos, storage buildings and light warehouses. Foreclosed or bank-owned properties are eligible provided the applicant is not the party in foreclosure. Is there a time limit for how long a building can be insured if vacant?No — the program does not impose a specific limit on vacancy duration. Policies are typically written for 3, 6, 9 or 12 month terms and can be extended by endorsement where appropriate. Are Replacement Cost and Special Perils available?Yes. Replacement Cost and Special Perils options are generally available for buildings less than 25 years old. Availability depends on underwriting review of condition and exposure. Is this an admitted policy?This program is placed on a non-admitted (surplus lines) basis and uses an A.M. Best A++ carrier. Agents should follow surplus lines filing procedures for NJ and PA. How do I get a quote or submit a risk?Contact Insurance Markets Agency, Inc. at 570-586-1471 for quoting, current minimum premiums, and submission instructions. Underwriters can review unique exposures and advise on endorsements and extensions. Need help placing an account? Connect with a market specialist.

Artisan Contractors Insurance INSURANCE MARKETS AGENCY INC offers a tailored Artisan Contractors Insurance program designed specifically for skilled-trade professionals. Whether your client is an experienced contractor or a recently licensed business, our program provides flexible, competitive solutions through trusted non-admitted markets. Coverages are structured to address the typical risks artisan contractors face, including tools and equipment, liability for operations and completed work, and exposures arising from subcontracted work. Ideal Accounts and Covered Classes We partner with agents who place artisan contractors in residential and light commercial trades. We have appetite for accounts with up to 100% subcontracted work and for contractors working on townhouse and residential condominium projects. Example classes include: Alarm system installation and repair Carpentry (commercial and residential, up to 3 stories) Concrete work and masonry Electrical work within buildings Excavation and grading Door, window, and metal millwork installation Driveway and sidewalk paving or repair Fence erection Handyman services HVAC installation and repair Painting (interior and exterior) Plumbing (commercial and residential) Roofing (commercial and residential) Siding installation (excluding wood siding) In-ground swimming pool installation and service Structural metal erection (three stories or more) Coverage Highlights General Liability and Excess Liability limits available up to $25,000,000 Minimum premiums starting at $525 Low deductibles for Bodily Injury/Property Damage, from $500 Inland Marine coverage for contractor tools, equipment, and similar assets Options for Additional Insured (Primary & Noncontributory) and Waiver of Subrogation Underwriting and Market Access We place artisan contractor accounts with a variety of carriers on a non-admitted basis to secure the right coverage for each risk. Our underwriting team knows construction-related operations and works with agents to place accounts that may be new ventures, have significant subcontractor usage, or are harder to place in standard markets. We focus on tailored solutions where other markets may decline. Example accounts you might place You might have a client who is a startup electrician working on residential condo renovations and needs general liability plus inland marine for portable tools. Or, an established roofer who subcontracts all work and requires higher excess limits and primary/noncontributory additional insured status for commercial townhouse projects. Both fit this program’s appetite. Availability This Artisan Contractors Insurance program is currently available in New Jersey and Pennsylvania. Because placements are non-admitted, coverage options and forms are tailored by market and underwriter. Why Work With INSURANCE MARKETS AGENCY INC? As a Managing General Agency and Excess & Surplus Lines Broker, INSURANCE MARKETS AGENCY INC specializes in construction-related risks. Our team provides fast, knowledgeable service, works directly with agents during underwriting, and leverages multiple non-admitted carriers to place difficult or specialized artisan risks. Whether your client is a first-year electrician or a roofer subcontracting 100% of their work, we aim to deliver competitive terms and responsive service. To learn more about our Artisan Contractors Insurance program or other products, please call 570-586-1471 and ask for Ryan, Bill, Peter, or Joe Tierney. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits artisan contractors in residential or light commercial trades, including electricians, plumbers, roofers, painters, and more. We also consider new ventures and contractors who subcontract up to 100% of their work. Which states is this program available in?Currently, the Artisan Contractors Insurance program is available in New Jersey and Pennsylvania. Can I submit accounts with townhouse or condo projects?Yes, we accept accounts working on townhouse and residential condominium projects. What is the minimum premium for this program?Minimum premiums start as low as $525, depending on the class and risk profile. Does the program include coverage for tools and equipment?Yes, Inland Marine coverage is available for contractor tools, construction equipment, and similar assets. Need help placing an account? Connect with a market specialist.

Municipal General Liability Insurance Our Municipal General Liability Insurance program is designed for public entities in Pennsylvania and New Jersey. Offered by Insurance Markets Agency Inc, this program provides comprehensive general liability coverage tailored for a wide range of municipalities and special service districts. Whether you're placing coverage for a small borough or a county agency, our team brings the underwriting experience and market access needed to help you secure competitive and reliable solutions for your clients. Ideal Accounts and Appetite We specialize in working with public entities that have smaller to mid-sized populations. Our target accounts typically include: Cities and towns with populations under 25,000 Counties with populations under 55,000 Special service districts with populations under 150,000 That said, we are open to reviewing accounts falling outside of these thresholds on a case-by-case basis. Types of Public Entities We Write: City and County Governments Towns, Villages, Boroughs, and Townships Public Fire and Emergency Response Services Police and Sheriff's Departments Transit and Park Police, and other government law enforcement services Water and Sewer Districts Irrigation, Library, Highway, and Recreation Districts Community Development Boards and other special service districts Coverage Highlights and Advantages Our policy includes valuable coverage enhancements designed specifically for the exposures faced by public entities: Legal liability for Fire, Lightning, and Explosion incidents Bail Bond Coverage Bodily Injury including Mental Anguish Reimbursement of reasonable expenses plus up to $1,000 for insureds required to testify Blanket additional insureds included at no extra charge Modified notice of occurrence provision Liquor liability included for short-term events Professional liability for EMTs and paramedics built into the policy Good Samaritan coverage Watercraft liability up to 51 feet Modified wording for engineers and architects Employee benefits liability included Volunteers automatically included as insureds Underwriting Notes and Minimum Premiums This program is written on a non-admitted basis with access to a variety of carriers, allowing us to craft flexible solutions for unique municipal risks. Our minimum premium starts at $525, making it accessible for even the smallest public entities. We also offer the ability to package municipal accounts to include: Property Auto Law Enforcement Liability Public Officials Liability Employment Practices Liability Umbrella coverage Territories and Availability We currently offer this program in the states of Pennsylvania (PA) and New Jersey (NJ). If you have risks in these states that fall within our appetite, we encourage you to reach out to discuss placement opportunities. Why Work With Insurance Markets Agency Inc As a Managing General Agency and Excess & Surplus Lines Broker, Insurance Markets Agency Inc brings decades of experience in placing complex municipal risks. Our team—including Ryan, Bill, Peter, and Joe Tierney—is ready to assist you with responsive service, underwriting insight, and access to reliable markets. We understand the unique liability exposures faced by public entities and can help you present solid coverage solutions to your municipal clients. Frequently Asked Questions What types of accounts are a good fit for this program?We target small to mid-sized public entities, including cities under 25,000 population, counties under 55,000, and special service districts under 150,000. Typical accounts include townships, boroughs, fire departments, and water or sewer authorities. Can this program be packaged with other municipal coverages?Yes, we can package accounts to include property, auto, law enforcement liability, public officials liability, EPLI, and umbrella coverage. What states is this program available in?This program is currently available in Pennsylvania and New Jersey. Is there a minimum premium requirement?Yes, the minimum premium starts at $525, making it accessible for smaller public entities. What kind of coverage enhancements are included?The program includes professional liability for EMTs, Good Samaritan coverage, blanket additional insureds, liquor liability for short-term events, and more. Need help placing an account? Connect with a market specialist.

Liquor Liability Insurance Insurance Markets Agency, Inc. offers a specialized Liquor Liability Insurance program tailored to meet the needs of businesses that manufacture, sell, serve, or distribute alcohol. Designed for agents and brokers looking to place liquor liability coverage for a variety of small to mid-sized risks, this program provides flexible underwriting, competitive pricing, and access to non-admitted markets. Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Bars and Taverns: We provide coverage for small to mid-sized bars and taverns with alcohol sales of $500,000 or less. Ideal risks will have no liquor-related losses or violations in the past five years, moderate drink specials or happy hours, and a non-youthful clientele. This program is suitable for neighborhood pubs and casual lounges with stable operational histories. Restaurants: Our restaurant appetite includes dine-in establishments with alcohol sales of $1 million or less. Accounts should have no violations or claims in the past five years, and offer moderate drink promotions. Examples include mid-scale bistros, grills, or family-style restaurants that offer full-service dining with a bar component. Retail Stores: This product covers retail establishments that sell or distribute alcohol for off-premises consumption. We target risks with alcohol revenues of $2.5 million or less and clean loss histories for the past five years. Multi-location risks are eligible with a breakdown of receipts per location. Automatically included is an aggregate per location endorsement. Eligible classes include liquor stores, convenience stores, and wholesale and retail distributors. Non-Profit Private, Fraternal, and Social Clubs: Our “Club Select” product is crafted for nonprofit clubs with annual alcohol sales of $500,000 or less. Preferred risks have no claims or violations in the last five years, do not offer drink specials or happy hours, and limit entertainment to banquet events. Club members are automatically included as insureds under the policy. Other Eligible Risks: We also consider a variety of other classes, including on-premises banquet halls, country clubs, BYOB restaurants, off-premises caterers, bartending services, concessionaires, vineyards, and breweries. If your client’s business involves alcohol and does not fit traditional categories, we may still have a solution. Underwriting Considerations: As a Managing General Agency, Insurance Markets Agency, Inc. works with a variety of carriers to find the right fit for your client. The program is written on a non-admitted basis, allowing for greater flexibility. Minimum premiums vary based on class and risk characteristics. Availability: This Liquor Liability Insurance program is currently offered in Pennsylvania (PA) and New Jersey (NJ). We are actively seeking appointed agents and brokers with clients in these states. Why Work with Insurance Markets Agency, Inc.? With decades of specialty insurance experience, we offer agents responsive service and underwriting expertise in the liquor liability space. Whether you’re placing a local bar with clean operations or a private club with banquet liquor exposure, our team can help you secure the right coverage quickly and efficiently. For more information on our Liquor Liability Insurance or any other product we offer at Insurance Markets Agency, Inc., please contact us at 570-586-1471. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?We target small to mid-sized bars, taverns, restaurants, retail liquor stores, and nonprofit clubs with clean loss histories and moderate alcohol sales. Are multi-location risks eligible for coverage?Yes, we can consider retail stores and other operations with multiple locations, provided you submit a breakout of alcohol receipts for each location. Is this program written on an admitted or non-admitted basis?This program is written on a non-admitted basis to provide more underwriting flexibility for unique risks. What states is this program available in?Coverage is currently available in Pennsylvania (PA) and New Jersey (NJ). Can nonprofit social clubs be covered under this program?Yes, our Club Select product is specifically designed for nonprofit private, fraternal, and social clubs with modest alcohol sales and no recent violations. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Flea Market Insurance program designed for owners and operators of flea markets, swap meets, bazaars, antique marts, farmers' markets, and merchandise markets. This program is ideal for venues where vendors rent space to sell new or used goods. With flexible monoline or package options, this program helps protect your clients from property damage, liability claims, and crime-related losses common in these busy, high-foot-traffic environments. Ideal Accounts and Appetite This program is tailored for property owners or operators who lease booth or stall space to multiple vendors. Ideal risks include: Indoor or outdoor flea markets Weekend swap meets or bazaars Permanent or seasonal farmers’ markets Antique malls and collectible markets New merchandise marts Accounts with organized vendor agreements, established loss control measures, and consistent risk management practices are preferred. The program is not designed for individual vendors or markets with high-hazard exposures such as amusement rides or live entertainment stages. Coverage Highlights and Advantages Colonial General's Flea Market Insurance program offers robust coverage options tailored to the unique risks of multi-vendor marketplaces. Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 Occurrence/Aggregate (Products/Completed Operations excluded by CG2104) $5,000 Medical Payments—Included Excess or Umbrella limits available up to $25,000,000 $500 minimum deductible Property Coverage Options: Building and Contents Business Income Equipment Breakdown Computer Equipment Outside Signs Replacement Cost or Actual Cash Value Inland Marine Accounts Receivable Valuable Papers Basic, Broad, or Special Form options Crime Coverage Options: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Underwriting Notes and Minimum Premiums The program is available through both admitted and non-admitted markets, depending on the risk profile and state. Colonial General works with a variety of carriers to provide flexible underwriting solutions. While minimum premium requirements vary, the program is designed to accommodate a wide range of small to midsize accounts. Territories and Availability This Flea Market Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has strong regional expertise in these Western states and understands the market dynamics specific to each territory. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings specialized knowledge and market access to niche programs like flea markets and swap meets. Their experienced underwriters understand the operational needs and liability exposures unique to these businesses. Agents benefit from fast turnaround times, flexible coverage structures, and access to both admitted and non-admitted carriers. You might have a client who owns a weekend farmers' market in Utah or manages a year-round antique mall in California—this program can provide the tailored protection they need. Colonial General makes it easier for you to place this specialized business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include flea markets, antique malls, swap meets, farmers’ markets, and new merchandise venues where space is rented to multiple vendors. Can this program cover both property and liability?Yes, coverage is available on a monoline or package basis, including options for property, general liability, and crime coverage. Is this program available in all states?No, it is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted carriers used?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and state. Can I write coverage for an outdoor seasonal market?Yes, outdoor and seasonal markets are eligible if they meet underwriting guidelines and have appropriate vendor controls in place. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a Flea Market Vendor Insurance program designed for agents placing vendors who operate in temporary or mobile retail environments. Whether a client sells from a pushcart, kiosk, table, or temporary booth, this program provides flexible coverage options through a range of admitted and non-admitted markets to fit seasonal and mobile operations. Ideal Accounts and Appetite This program is a fit for independent vendors selling merchandise, crafts, collectibles, or prepared food at flea markets, swap meets, seasonal events, pop-up venues, and similar locations. It addresses common exposures such as customer injuries, property damage, and product-related claims with tailored coverage options designed for short-term and mobile setups. Target accounts include: Mobile vendors operating push carts, food carts, or kiosks Temporary booth operators at flea markets, farmer’s markets, and pop-up events Vendors selling general merchandise, apparel, handmade goods, collectibles, or food items Accounts with high-hazard operations—such as amusement rides, large-scale food processing, fireworks, or heavy manufacturing—typically fall outside the program’s appetite. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $3,000,000 (Occurrence / Aggregate) Liquor Liability available for eligible vendors Additional Insureds included at no extra charge to meet venue or event requirements $5,000 Medical Payments included Excess or Umbrella liability available with limits up to $25,000,000 Property Coverage Options Basic, Broad, or Special form coverage Options for Buildings, Contents, and Business Income Equipment Breakdown and Inland Marine available for mobile equipment and stock-in-transit Replacement Cost or Actual Cash Value valuation Scheduled Property Floater available for mobile equipment, displays, and inventory Underwriting Notes and Minimum Premiums Colonial General places flea market vendor business with a variety of carriers to provide flexible underwriting. Minimum premiums and program availability vary by market and by the risk’s characteristics. Submissions should include a completed application plus a clear description of the vendor’s operations, products sold, frequency and locations of events, and any food-handling practices. Territories and Availability This Flea Market Vendor Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Both admitted and non-admitted market options are accessible depending on the state, carrier, and specific risk profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents with marketplace access and underwriting expertise for niche commercial programs. Their distribution and carrier relationships help place hard-to-bind or non-standard vendor accounts efficiently. The program’s flexibility—additional insureds at no cost, inland marine for mobile stock, and liquor liability options—makes it practical for agents working with seasonal and mobile vendors. Example scenarios that fit well: You might have a client who sells handmade jewelry at weekend markets across multiple states; scheduled floater and inland marine can protect inventory while in transit. A small food-vendor operating a pushcart at farmers' markets may need short-term liability with optional liquor liability for certain events and business income if a covered shutdown occurs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for vendors operating at flea markets, swap meets, farmers' markets, and temporary events—especially those using kiosks, carts, or booths to sell general merchandise, crafts, or food. Is Liquor Liability coverage available?Yes. Liquor Liability is available for eligible vendors when alcohol service or sales are part of the operation and the carrier appetite allows it. Are Additional Insureds included in the policy?Yes. Additional Insured status is included at no extra cost, which helps agents meet venue, promoter, or landlord insurance requirements. Can I access this program in multiple states?Yes. The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY, with both admitted and non-admitted options depending on the specific market and risk. What documents are needed for a submission?Provide a completed application, detailed description of operations, list of products sold, typical event locations and schedules, and any food-handling procedures. Photos of the setup and a schedule of valued property are helpful when requesting inland marine or scheduled floater coverage. Need help placing an account? Connect with a market specialist.

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