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Racquet Club Insurance Program from Colonial General Insurance Agency Colonial General Insurance Agency, Inc. offers a specialized Racquet Club Insurance program designed for private swim and racquet clubs that operate on a membership basis. Whether your clients host on-site activities or participate in off-site competitions, this program provides the comprehensive property and liability coverage they need. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has access to a range of markets (including some admitted options) to help you place business efficiently across several Western states. Ideal Accounts and Program Appetite This program is tailored for private racquet and swim clubs that offer organized recreational or competitive activities for members. Suitable accounts may include: Private tennis or racquetball clubs with indoor or outdoor courts Swim and racquet clubs with clubhouses, snack bars, or pro shops Facilities that host lessons, tournaments, or leagues on-site or off-site Clubs should be membership-based and primarily focused on racquet or swim-related activities. Facilities with ancillary amenities, such as gyms or snack bars, may also be considered if they are incidental to the club’s core operations. Coverage Highlights and Advantages Policy Highlights: Coverage is available on a mono-line or package basis, offering flexibility based on your client’s needs. Off-site competitions are included in the liability coverage, expanding the protection beyond the club’s premises. Commercial General Liability Coverage Includes: Primary liability limits up to $3,000,000 Occurrence / Aggregate Medical Payments – $5,000 limit Sexual/Physical Abuse – $25,000 per Claim / $50,000 Aggregate Limited Participant Coverage – $25,000 Occurrence / $50,000 Aggregate Excess/Umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Building, Contents, and Business Income Equipment Breakdown and Food Spoilage Computer Equipment and Outside Signs Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value options Basic, Broad, or Special Form coverage types Crime Coverage Includes: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Theft and Robbery (Outside the Premises) Underwriting Notes Colonial General evaluates each account individually and can tailor coverage to meet the specific operations of the club. While no minimum premium is listed, pricing is market-competitive and aligned with the risk profile of each submission. The lack of a deductible on the liability portion adds value, especially for smaller clubs managing tight budgets. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General offers access to several carriers across both admitted and non-admitted markets where available. Why Work with Colonial General? With extensive experience in niche recreational risks, Colonial General offers agents and brokers a streamlined way to place racquet and swim club accounts. Their underwriting team understands the unique exposures associated with athletic facilities and provides responsive service and flexible solutions. Whether you’re placing a long-standing club in need of better coverage terms or helping a new facility get off the ground, Colonial General is a strong partner for these types of risks. Visit the Colonial General Insurance Agency, Inc. profile to learn more or start a submission today. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for private swim and racquet clubs that operate on a membership basis and offer organized recreational or competitive activities. Is coverage available for off-site competitions or tournaments?Yes, liability coverage includes off-site competitions, making it suitable for clubs that host or participate in events away from their primary location. Are both property and liability coverages available?Yes, coverages can be written on a mono-line or package basis, including property, general liability, and optional crime coverage. In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Do accounts need to meet a minimum premium?There is no stated minimum premium, but pricing is based on the size, scope, and operations of the individual account. Need help placing an account? Connect with a market specialist.