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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Caterer Insurance program designed to meet the unique needs of food service professionals. Whether your clients operate banquet halls, food trucks, ice cream trucks, or provide on-site catering for weddings, parties, or corporate functions, this program offers flexible and comprehensive coverage options to protect their operations. Ideal Accounts and Appetite This program is a great fit for a wide range of catering-related businesses, including: Mobile food vendors and catering trucks Event caterers for weddings, parties, and corporate functions Sandwich and ice cream trucks Banquet and event halls with food service Accounts with clean operations, proper food handling procedures, and established client bases are preferred. This program is flexible enough to accommodate both mono-line and package coverage needs, depending on the client’s risk profile. Coverage Highlights and Advantages General Liability Coverage: Primary limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payments Coverage – Included Liquor Liability available Additional Insureds – $100 each Excess or Umbrella Limits up to $25,000,000 No deductible required Property Coverage Options: Building, Contents, and Business Income Computer Equipment and Equipment Breakdown Food Spoilage and Inland Marine Accounts Receivable, Valuable Papers, and Outside Signs Replacement Cost or Actual Cash Value (ACV) Basic, Broad, or Special Form available Crime Coverage: 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 Coverage is offered through a selection of admitted and non-admitted markets, allowing for underwriting flexibility based on risk characteristics. While minimum premiums may vary, Colonial General is able to structure policies to accommodate a wide range of business sizes and operations. Quick turnaround on quotes and competitive pricing make this program attractive for agents looking to place business efficiently. Territories and Availability This Caterer Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some markets are available on an admitted basis, while others may be written through non-admitted carriers, depending on the state and risk profile. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche markets and hard-to-place risks. Their strong carrier relationships and regional focus make them a valuable partner for agents seeking tailored solutions in the hospitality and food service sectors. Whether you're placing a new venture food truck or a well-established catering hall, Colonial General delivers underwriting knowledge, responsive service, and access to quality markets to help you serve your clients better. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for catering businesses, food trucks, ice cream trucks, and event venues providing food service for weddings, parties, or corporate events. Is liquor liability available for catered events?Yes, liquor liability coverage is available as part of the general liability package, making it suitable for events where alcohol is served. Can I write mono-line property or liability coverage?Yes, coverage is available on a mono-line or package basis depending on the client’s needs. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are admitted markets available?Yes, some admitted markets are available depending on the risk and the state. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Bakery Insurance program designed to meet the needs of businesses involved in baking and selling baked goods. Whether your client operates a small retail bakery, a wholesale baking plant, or a combination of both, this program provides flexible coverage options to help protect their business assets and operations. Ideal Accounts and Appetite This program is ideal for: Retail bakeries Wholesale baking operations Commercial bakery plants Specialty pastry and dessert shops Accounts producing or selling baked goods on-site or through distribution channels are a strong fit. Businesses with clean loss histories and a strong commitment to safety and food handling standards are preferred. Operations with on-site cooking, delivery, and custom baking services can be accommodated. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payment Coverage — Included Additional Interests — Included Hired and Non-Owned Auto Liability Excess or Umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Building and Business Personal Property Business Income and Extra Expense Equipment Breakdown and Computer Equipment Food Spoilage and Inland Marine Accounts Receivable and Valuable Papers Basic, Broad, or Special Form options Outside Signs and Replacement Cost or Actual Cash Value Crime Coverage Available: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Theft, Robbery, or Burglary (Outside the Premises) Underwriting Notes and Minimum Premiums Colonial General provides access to both admitted and non-admitted markets, depending on the account and state. Underwriting flexibility allows for mono-line or package policies to meet the specific needs of your clients. While minimum premiums are not listed, submissions should demonstrate favorable risk characteristics to be considered. Territories and Availability This Bakery Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General works with a variety of carriers to find the right market for your client’s needs in these regions. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep industry knowledge and strong carrier relationships to help independent agents place hard-to-insure or niche baking operations. From small artisan bakeries to large-scale commercial production facilities, Colonial General’s team understands the unique exposures of the baking industry and can craft tailored solutions to help protect your clients’ assets and operations. Need to place a retail bakery with food spoilage concerns and customized equipment? Or a wholesale baking plant needing high liability limits and inland marine coverage for delivery vehicles? This program has the tools and flexibility to support those accounts. Frequently Asked Questions What types of accounts are a good fit for this bakery insurance program?Retail bakeries, wholesale baking operations, commercial baking plants, and specialty dessert shops are all strong candidates for this program. Can I place standalone property or liability coverage through this program?Yes, coverage can be written on a mono-line or package basis, depending on the needs of your client. Are food spoilage and equipment breakdown covered?Yes, both food spoilage and equipment breakdown are available as part of the property coverage options. What states is this program available in?The Bakery Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does this program offer admitted or non-admitted coverage?Colonial General has access to both admitted and non-admitted markets, depending on the specific risk and state regulations. Need help placing an account? Connect with a market specialist.

Policy Highlights for Restaurant Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Restaurant Insurance program designed to help agents and brokers place a wide range of food service risks. Whether your client operates a dine-in restaurant, a take-out establishment, or a hybrid model, this program provides tailored solutions to meet their unique exposures. Coverage is available on a mono-line or package basis, with flexible options to suit different business needs. Please note that alcohol sales must be less than 30% of gross sales to qualify. Ideal Accounts and Appetite This program is best suited for small to mid-sized restaurants, cafés, diners, bistros, and other food service businesses that primarily focus on food sales rather than alcohol. Typical accounts include: Family-style restaurants with limited bar service Quick-service and take-out only establishments Ethnic restaurants with dine-in and carry-out service Cafés and coffee shops offering light food menus Accounts that rely heavily on alcohol sales (over 30% of revenue) or operate as nightclubs or bars are outside the current appetite. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments Coverage—Included Additional Interests—Included at no additional cost Liquor Liability Coverage available Excess or Umbrella Limits up to $25,000,000 No deductible required Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Food Spoilage and Equipment Breakdown Accounts Receivable and Valuable Papers Outside Signs and Inland Marine Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Theft Outside the Premises Underwriting Notes and Premiums Colonial General works with a variety of carriers to find the right fit for your client's risk profile. While minimum premiums may vary by risk and carrier, the agency focuses on providing competitive solutions with minimal underwriting friction. Submissions that include complete applications and clear financials help speed up the quoting process. Territories and Availability This Restaurant Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, and non-admitted options are also accessible depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and strong market access to help you place hard-to-insure or specialty restaurant accounts. Their team understands the nuances of the food service industry and can help you navigate the underwriting process for quick and reliable placement. With access to both admitted and non-admitted markets, they offer flexible solutions tailored to your insured’s needs. If you have a client opening a new fast-casual restaurant or one taking over an existing space with minor renovations, Colonial General can help you provide the coverage needed to protect their investment and operations from day one. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with less than 30% of gross sales from alcohol, such as cafés, diners, quick-service, and ethnic restaurants, are ideal candidates for this program. Is Liquor Liability included in the coverage?Yes, Liquor Liability Coverage is available as part of the Commercial General Liability offering, provided alcohol sales remain under 30% of gross receipts. Are both package and mono-line coverage options available?Yes, property and liability coverage can be written together as a package or individually on a mono-line basis depending on your client’s needs. Which states is this program available in?This Restaurant Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does Colonial General work with admitted or non-admitted carriers?They offer coverage through both admitted and non-admitted markets, depending on the risk and state requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights for Hall Insurance: Colonial General Insurance Agency, Inc. offers a specialized Hall Insurance program tailored for venues and food-service providers operating in event settings. Eligible operations include banquet and reception halls, event venues, independent caterers, catering trucks, sandwich and food trucks, and ice cream vendors serving weddings, private parties, business meetings, fairs and festivals. Coverage can be written on a mono-line or package basis to match a wide range of client needs. Ideal Accounts and Appetite This program is a strong fit for insureds that host events or provide mobile food service. Typical accounts include: Banquet and reception halls used for weddings, conferences, or private events Event venues that host public and private gatherings Independent catering companies providing on-site event food service Mobile food vendors such as catering trucks and ice cream trucks Whether the client operates a fixed event space or a fleet of mobile vendors, Colonial General’s Hall Insurance program addresses the common liability, property and crime exposures these operations face. Coverage Highlights and Advantages General Liability (CGL) Coverage: Primary limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments coverage included Liquor liability offered where appropriate and where state rules allow Excess or umbrella limits offered up to $25,000,000 Additional interests can be added for $100 each No deductible required on the primary liability forms Property Coverage Options: Building and contents coverage Business income and equipment breakdown Computer equipment and valuable papers Food spoilage, outside signs, and inland marine Accounts receivable Basic, broad, or special form available Choice of replacement cost or actual cash value valuation 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 for transit and off-site exposures Underwriting Notes and Minimum Premiums Colonial General places accounts in both admitted and non-admitted markets depending on state and risk characteristics. Underwriting evaluates exposures such as alcohol service, kitchen operations, vehicle operations for mobile vendors, special-event hazards, and premises security. There is no single stated minimum premium; agents should submit details so underwriters can quote appropriately for the size and complexity of the account. Territories and Availability The Hall Insurance program is available in: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings focused expertise in hospitality and event-related risks. The firm leverages admitted and E&S markets to tailor solutions for venues and food-service operators, offering flexible coverages and capacity for larger limits. Colonial General's underwriters understand the operational nuances of event venues and mobile vendors and can coordinate property, liability, liquor and inland marine needs on a single placement when appropriate. Example scenarios that fit this program: You have a client who operates a mid-sized banquet hall that occasionally serves alcohol and needs combined property, general liability and liquor liability coverage. You represent a mobile ice cream vendor that attends seasonal fairs and festivals and needs general liability plus inland marine or auto-related coverage for equipment and stock. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for banquet halls, event venues, catering services, food trucks, and ice cream trucks that serve private and public events. Is liquor liability coverage available?Yes. Liquor liability can be included as part of General Liability where appropriate, subject to the risk profile and state regulations. What is the maximum limit available under the umbrella policy?Excess and umbrella limits are available up to $25,000,000. Do you offer coverage for mobile food vendors operating across multiple states?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Mobile vendors operating within these states can be considered; multistate exposures should be detailed on submission. Are there any minimum premium requirements?No specific minimum premium is listed. Submissions are evaluated and priced based on exposure, limits and coverage selections. Need help placing an account? Connect with a market specialist.

Overview — Colonial General Insurance Agency, Inc. — Deli Insurance Colonial General Insurance Agency, Inc. offers a Deli Insurance program designed for independent agents and brokers placing coverage for food service establishments—dine-in or take-out operations. This program provides both property and liability options, written mono-line or as a package, and is best suited for small to mid-sized delis, sandwich shops, bakery-cafés, and similar food-service risks where alcohol sales are incidental (less than 30% of gross sales). Policy Highlights Key liability and property features available through this program: Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate $5,000 Medical Payments coverage — included Additional interests — included at no charge Liquor Liability coverage available (alcohol sales must be under 30% of gross sales) Excess / Umbrella limits available up to $25,000,000 No deductible required on liability in many instances Property Coverage Options Selectable property features to protect the physical location, equipment and income: Accounts Receivable Basic, Broad or Special Form Building and/or Contents Business Income and Extra Expense Computer Equipment and Equipment Breakdown Food Spoilage and Inland Marine for rolling stock or equipment Outside Signs Replacement Cost or Actual Cash Value valuation Valuable Papers Crime Coverage Inside the Premises — Theft of Money and Securities Inside the Premises — Robbery or Safe Burglary of Other Property Outside the Premises Ideal Accounts and Appetite The program is tailored for: Independent delis, sandwich shops, small catering prep kitchens, and café/deli hybrids Locations with mostly prepared-food sales and limited alcohol service (less than 30% of revenue) Single-location or small multi-location operations without significant high-risk exposures (no on-site dance/entertainment, late-night bars, or large banquet operations) Typically not a fit: businesses where alcohol sales exceed 30% of gross receipts, full-scale bars/nightclubs, major catering operations with frequent large events, or accounts with serious open claims or uncontrolled loss history. Underwriting Notes Common submission requirements include a completed application, recent loss runs, current revenue breakdown (food vs. alcohol), menu or operations description, and proof of any licenses (e.g., liquor license). Underwriters will evaluate hours of operation, delivery services, catering exposure, safety controls (fire suppression in cooking areas), and prior loss history. Appetite and terms may vary by market; Colonial General places this business through a mix of admitted and non-admitted carriers (Some Available Markets). Carriers vary by risk characteristics and state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage availability and form (admitted vs. non-admitted) depend on the state and carrier. Confirm state eligibility and any market-specific requirements at submission. Examples — Good Fits A neighborhood deli with dine-in and takeout, annual gross sales under $1.5M, limited alcohol by the bottle and beer/wine sales under 20% of revenue — ideal for combined property and GL with liquor liability. A small deli with a delivery and catering arm, modest kitchen equipment, and a history of clean loss runs — fits well for package placement including equipment breakdown and food spoilage coverage. Why Work With Colonial General on Deli Business? As an MGA and excess & surplus lines broker, Colonial General provides agents access to multiple markets and flexible packaging for food-service risks. The program balances liability limits up to $3M (with sizable umbrella capacity), crime and property options tailored to deli operations, and straightforward underwriting for common deli exposures. Colonial General is positioned to help agents place unique or borderline risks that need excess capacity or specialized E&S solutions. Frequently Asked Questions What types of deli accounts are the best fit for this program?The program is best for small to mid-sized delis, sandwich shops, and café/deli hybrids with primarily food sales and limited alcohol service (under 30% of gross sales). Single-location operators and small multi-location owners with manageable loss history typically fit well. Is liquor liability available and are there limits on alcohol sales?Yes — liquor liability coverage is available, but underwriters generally require alcohol to be less than 30% of gross sales. Verify the alcohol percentage and provide a copy of any liquor license at submission. Which states and market types are supported?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage may be placed with admitted or non-admitted markets depending on state and risk characteristics; carriers vary by submission. Need help placing an account? Connect with a market specialist.

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Grocery Store Insurance Program from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a focused Grocery Store Insurance program designed to meet the needs of independent grocery stores, convenience stores, and small food retailers. This program is ideal for agents and brokers seeking reliable markets for clients operating stores up to 3,000 square feet, including those with fuel operations or a single automatic car wash bay. Ideal Accounts and Appetite This program targets small-format retail food operations, including: Grocery stores (3,000 sq. ft. or less) Convenience stores with or without fuel sales Food marts and corner stores Locations with one coin-operated drive-through car wash bay Accounts outside these parameters may not be eligible, but Colonial General can evaluate on a case-by-case basis depending on the risk profile and location. Coverage Highlights and Advantages Coverage is available on a monoline or package basis and includes comprehensive Property, Liability, and Crime options tailored for the exposures typical in food retail. Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Liquor Liability Coverage available Medical Payments Coverage—$5,000 included Additional Interests—Included Excess or Umbrella limits up to $25,000,000 No deductible required Property Coverage Building, Contents, Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Food Spoilage and Equipment Breakdown Computer Equipment and Outside Signs Accounts Receivable and Valuable Papers Crime Coverage Inside Premises—Theft of Money and Securities Inside Premises—Robbery or Burglary of Property Outside Premises Coverage available Underwriting Notes and Minimum Premiums Colonial General underwrites each account individually, considering store size, operations, location, and exposures. While no set minimum premium is listed, accounts should be within the small retail food space to qualify. Agents are encouraged to submit complete applications to improve turnaround and quoting accuracy. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, depending on the risk and coverage needs. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche retail risks. Their access to a variety of markets and flexible underwriting makes them a strong partner for agents placing small grocery and convenience store business. Whether you're working with a local corner store or a small gas-and-grocery combo, Colonial General can help you find the right coverage solutions. To learn more about this program or to submit a risk, visit the Colonial General Insurance Agency, Inc. company profile. Frequently Asked Questions What types of accounts are a good fit for this Grocery Store Insurance program?Small grocery and convenience stores under 3,000 square feet, including those with fuel sales or a single automatic car wash bay, are ideal candidates. Is Liquor Liability included in the policy?Yes, Liquor Liability coverage is available as part of the Commercial General Liability section of the program. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are admitted markets used for this program?Admitted markets are available in some states, depending on the specific risk and coverage needs. Can I submit accounts larger than 3,000 square feet?This program is designed for stores 3,000 square feet or less. Larger accounts may be considered on an exception basis but may not fit standard underwriting guidelines. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Pawn Shop Insurance program specifically designed for businesses involved in lending money on personal property or purchasing personal items for resale. Whether your client operates a small independent pawn shop or a multi-location operation, this program provides flexible options for both Property and General Liability coverage on a mono-line or package basis. Ideal Accounts and Appetite This program is an excellent fit for retail pawn shops located in the Western U.S. that: Lend money on personal items left as collateral Buy and sell secondhand goods, jewelry, electronics, and collectibles Maintain on-premises inventory and safes Accounts with well-documented procedures for security, appraisals, and recordkeeping are considered favorably. We can accommodate both new ventures and established operations, though underwriting may vary depending on experience and loss history. Coverage Highlights and Advantages Property Coverage options include: Accounts Receivable Basic, Broad, or Special Form (Excluding Theft) Building—Replacement Cost or Actual Cash Value Business Income Business Personal Property—Subject to Evaluation Clause Computer Equipment Equipment Breakdown Outside Signs Valuable Papers Crime Coverage options include: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Commercial General Liability Coverage includes: Primary limits up to $3,000,000 Occurrence/Aggregate Hired and Non-Owned Auto coverage $5,000 Medical Payments—Included Additional Interests—Included at no charge Excess or Umbrella limits up to $25,000,000 No deductible required Contractual Liability Limitation Note: Products/Completed Operations coverage is excluded under this program. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to match the right market to each risk. While minimum premium requirements vary depending on coverage selections and risk characteristics, our underwriters are available to discuss submissions and tailor coverage packages to meet your clients' specific needs. Territories and Availability This program is available in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; however, non-admitted options may be used when needed to meet unique risk requirements. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and strong carrier relationships to help agents place specialty and hard-to-place risks. Our Pawn Shop Insurance program reflects our commitment to niche markets and underwriting expertise in retail operations with unique exposures. Agents benefit from responsive service, flexible underwriting, and access to multiple markets under one roof. For example, if you have a client with a pawn shop in downtown Denver that handles jewelry, electronics, and firearms, we can help you structure a package that includes property, crime, and liability coverage to protect their inventory and operations. Or, if your client recently opened a new pawn shop in Nevada and needs affordable liability coverage with optional crime enhancements, this program is well-positioned to deliver. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for retail pawn shops that lend money on personal items or purchase goods for resale. Stores with inventory, safes, and solid loss control practices are preferred. Is this program available in admitted markets?Yes, Colonial General offers both admitted and non-admitted options depending on the state and risk profile. Availability varies by carrier and coverage selections. Can I submit new ventures or startups?Yes, new pawn shop operations may be eligible. Underwriters will evaluate the owner's experience, business plan, and projected operations. Are package policies available?Yes, policies can be written on a mono-line or package basis. You can combine property, general liability, and crime coverage into a single policy. Which states is the Pawn Shop Insurance 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.