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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.

Policy Highlights for General Contractors Insurance: Colonial General Insurance Agency, Inc. offers tailored insurance solutions for residential general contractors engaged in new construction and remodeling. This program is designed for contractors who oversee or manage operations—performed by employees or by insured subcontractors. Whether you represent a custom home builder who coordinates multiple trades or a remodeler who manages specialty contractors, Colonial General provides markets and package options to help you place business with confidence. Ideal Accounts and Appetite This program fits residential general contractors who retain administrative or supervisory responsibility for projects, including: Custom home builders Residential remodelers and renovation contractors General contractors who coordinate insured subcontractors across multiple trades Colonial General looks for insureds who maintain control over job sites, use qualified and insured subcontractors, and have formal subcontractor agreements. Accounts with high uninsured subcontractor exposure, lax job-site controls, or poor risk management typically do not meet appetite. Coverage Highlights and Advantages Property Coverage: Basic, Broad, or Special form options Coverage for Building, Contents, Contractor’s Equipment, and miscellaneous property Business Income and Equipment Breakdown available Inland Marine offerings, including Valuable Papers and Computer Equipment Replacement Cost or Actual Cash Value settlement options General Liability: Primary limits available up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments included Blanket Additional Insured endorsement to cover subcontractor-related exposures Excess/Umbrella limits available up to $25,000,000 Typical minimum deductible of $1,000 Crime Coverage: Inside-the-premises theft of money and securities Robbery and safe burglary of other property Outside-the-premises coverage for funds in transit Underwriting Notes and Minimum Premiums Colonial General places accounts with a variety of admitted and non-admitted carriers depending on class and state. Underwriting focuses on contractor controls: documentation of subcontractor insurance, written subcontractor agreements, job-site supervision, and loss history. While minimum premiums vary by market and state, Colonial General aims to offer competitive pricing for well-managed risks. Territories and Availability This residential general contractors program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General's market access reflects regional underwriting knowledge for Western-state residential builders and remodelers. Why Work With Colonial General Insurance Agency, Inc.? As an MGA and Excess & Surplus Lines broker, Colonial General provides agents with responsive service, access to both admitted and E&S markets, and the ability to structure custom packages for residential general contractors. Their underwriters understand contractor workflows and subcontractor relationships, which helps when placing accounts with multiple trade exposure. Example accounts you might place through this program: A custom home builder in Colorado that manages framing, roofing, and finish trades and requires combined property and liability protection with an additional insured blanket. A Nevada remodeling contractor who coordinates insured electrical and plumbing subcontractors and needs contractor’s equipment and inland marine coverage while maintaining primary liability limits and an umbrella layer. Explore the full program at Colonial General's Residential General Contractors Insurance page or learn more about the company at their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include residential general contractors who supervise or manage new construction or remodeling projects and engage insured subcontractors with proper documentation. Is this program available for contractors working in commercial construction?No. This program is focused on residential general contractors; commercial accounts typically require different placement options. Are subcontractors covered under this policy?Subcontractors should carry their own insurance. This program supports insureds who supervise subcontractor work and offers Blanket Additional Insured endorsements to extend coverage where appropriate. What states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I get both property and liability coverage in one policy?Yes. Coverages are available on a monoline or package basis, so you can combine property, liability, inland marine, and crime coverages to match your client's exposures. Need help placing an account? Connect with a market specialist.

Colonial General Insurance Agency, Inc. offers a specialized Unusual Construction Insurance program to help agents and brokers place residential accounts that fall outside standard construction parameters. If you work with clients who own, design, or convert unique homes, this program provides access to carriers and underwriters experienced in evaluating and insuring those distinctive risks. Ideal Accounts and Appetite This program focuses on residential structures built with non-standard methods or adapted from non-residential uses. Typical eligible property types include: Monolithic concrete dome homes Straw bale residences Log homes constructed from hand-hewn or milled logs Converted buildings such as former schools, churches, or other institutional structures now used as homes Mountain retreats and remote residences, including properties with water features like streams If your client’s property does not fit standard homeowners or dwelling forms, Colonial General’s Unusual Construction program is designed to help you find an appropriate market. Coverage Highlights and Advantages Colonial General places unusual construction risks with a network of admitted and non-admitted carriers, allowing flexibility to match coverage to the property’s construction, location, and exposures. Typical available coverages include property, premises liability, and endorsements tailored to the unique hazards presented by non-traditional homes. Markets vary by state and risk characteristics, so Colonial General evaluates each submission to identify admitted options where available and E&S solutions when needed. Underwriting Notes Underwriting is handled on a case-by-case basis. Underwriters will focus on structural integrity, construction details, maintenance history, occupancy/use, and prior insurance or loss history. Detailed submissions speed placement—include construction photos, plans or sketches, description of materials and methods, and any recent inspection or engineer reports when available. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has deep regional expertise and carrier relationships across these territories. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General combines broad market access with underwriters experienced in non-standard residential risks. Their team is set up to help you navigate placements for unique or converted properties and provides responsive support through the submission and binding process. Example scenarios you might place through this program: a client converting a historic church in California into a single-family residence, or a homeowner building a straw bale retreat in New Mexico. In both cases, Colonial General can help identify the best admitted or non-admitted market and required endorsements. Contact Colonial General today to learn more about the Unusual Construction Insurance program and how it can support your unique property accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential structures with non-traditional construction, such as dome homes, straw bale houses, log cabins, and converted churches or schools used as residences. Is this program available in all states?No. Colonial General currently offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted options available?Yes. Colonial General can access both admitted and E&S markets depending on the property, construction type, and location. Can I submit a property located near a stream or with unique environmental features?Yes. Properties with environmental features such as on-site streams or steep terrain may be eligible, but underwriting will review those exposures closely and may request additional information or inspections. What submission information is required?Provide detailed property information, construction details, intended use/occupancy, current photos, and prior insurance or loss history to help expedite underwriting and placement. Need help placing an account? Connect with a market specialist.