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Policy Highlights for Wholesalers Insurance: Colonial General Insura... is this program available in?This Wholesalers Insurance program is available ...

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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.

...erages written on a mono-line or packaged basis for residential homes operated...

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 flexible and competitive insurance program designed specifically for a wide range of mercantile and retail operations. The Selected Mercantile Insurance program provides both Property and Liability Coverages on a monoline or package basis, catering to retail stores that may include incidental installation, service, or repair operations. Ideal Accounts and Appetite This program is ideal for independent agents and brokers looking to place retail-related risks for clients operating small to mid-sized stores. Colonial General has a broad appetite across various retail classes, including but not limited to: Antique and Collectible Shops Appliance, Electronics, and Computer Stores Beverage, Liquor, and Tobacco Retailers Clothing, Shoe, and Jewelry Stores Sporting Goods and Hobby Supply Stores Furniture and Home Improvement Outlets Bookstores, Newsstands, and Stationery Shops Eligible operations may include incidental installation or repair services, making this a strong fit for accounts that don’t fit neatly into standard BOP markets. For example, you might have a client who operates a bicycle retail and repair shop or a home electronics store that offers in-home installation—both would be strong candidates for this program. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence/Aggregate $5,000 Medical Payments Coverage—Included Additional Interests—Landlords included at no charge Electronic Data Liability Liquor Liability available Excess or Umbrella limits up to $25,000,000 No deductible required Property Coverage: Building and Contents Business Income and Equipment Breakdown Accounts Receivable and Valuable Papers Computer Equipment and Food Spoilage Bailees’ Customers and Outside Signs Basic, Broad, or Special Forms Replacement Cost or ACV Options Crime Coverage: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises Coverage Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer flexible solutions tailored to your client’s needs. The program is designed for clean to moderately complex risks, and underwriting is responsive to unique operations and exposures. Minimum premium requirements may vary depending on risk characteristics and state. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some markets are admitted, while others may be written on a non-admitted basis, depending on the carrier and location. Why Work With Colonial General? Colonial General Insurance Agency, Inc. is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in commercial retail risks. Their team provides agents and brokers with access to strong markets, competitive pricing, and underwriters who understand the nuances of mercantile exposures. Whether you're handling a standard retail shop or a specialized operation with service components, Colonial General offers the flexibility and support to help you close the account. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for retail stores with or without incidental installation, service, or repair operations, including antique shops, liquor stores, electronics retailers, and hobby supply stores. Is this program available on an admitted basis?Some markets are admitted, while others may be non-admitted depending on state and carrier. Colonial General works with multiple carriers to find the best fit for your insured. Can I package property and liability coverage together?Yes, Property and Liability can be written on a monoline or package basis depending on the needs of your client. What are the general liability limits available?Primary limits are available up to $3,000,000 Occurrence/Aggregate, with Excess or Umbrella limits up to $25,000,000. Which states is this 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.

Policy Highlights for Golf Course Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Golf Course Insurance program designed specifically for public and private golf courses, including country clubs, miniature golf courses, and both indoor and outdoor driving ranges. With the flexibility to write coverage on a monoline or package basis, this program provides broad protection tailored to the unique risks of the golf industry. Ideal Accounts and Appetite This program is ideal for agents seeking coverage for a wide range of golf-related businesses, such as: 18- and 9-hole public or private golf courses Country clubs with or without dining facilities Miniature golf courses Driving ranges (indoor and outdoor) Whether your client operates a high-end country club in California or a family-friendly mini-golf course in Utah, Colonial General can help you place the right coverage. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 per occurrence and aggregate Additional interests—Included Hired and non-owned auto included $5,000 medical payments coverage—Included Liquor liability available Excess or umbrella limits up to $25,000,000 No deductible required Crime Coverage: Theft of money and securities inside the premises Robbery or safe burglary of other property inside the premises Coverage for events occurring outside the premises Property Coverage: Buildings and contents Business income and extra expense Accounts receivable and valuable papers Computer equipment and contractor’s equipment Inland marine coverage for golf carts Bailee’s coverage for the pro shop Equipment breakdown and food spoilage Damage to greens and tee boxes Sprinkler systems Replacement cost or ACV options Underwriting Notes and Market Access Colonial General works with a variety of carriers to offer flexible solutions, including admitted and non-admitted options depending on the state and risk profile. As a Managing General Agency and Excess & Surplus Lines Broker, they can help place both standard and hard-to-place risks. Typical submissions will require standard underwriting information, including property values, number of holes, liquor sales (if applicable), and loss history. There is no specified minimum premium, offering flexibility based on account size and complexity. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Why Work With Colonial General? Colonial General brings deep knowledge of niche commercial risks across the western United States. Their team understands the operational challenges and liability exposures unique to golf facilities and can help agents craft tailored solutions for a wide range of accounts. With access to multiple markets and a service-oriented approach, Colonial General makes it easier for agents and brokers to place and retain golf industry accounts with confidence. You might have a client who just purchased a mid-size public course in Nevada and needs a package policy including liquor liability for their new clubhouse bar. Or perhaps a long-standing miniature golf course in Colorado is looking to expand and needs better property and inland marine protection—Colonial General is equipped to help you place these risks efficiently. Frequently Asked Questions What types of accounts are a good fit for this Golf Course Insurance program?Ideal accounts include public or private golf courses, country clubs, driving ranges, and miniature golf facilities. Risks with food and beverage operations or pro shops can also be accommodated. Is liquor liability available through this program?Yes, liquor liability coverage is available as part of the general liability offering, making it ideal for country clubs or golf facilities that serve alcohol. Can I submit monoline coverage or must it be part of a package?Coverage is available on either a monoline or package basis, offering flexibility based on your client’s needs. What states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you have markets for non-standard or hard-to-place golf risks?Yes, Colonial General has access to both admitted and non-admitted markets, allowing them to place standard as well as challenging accounts. Need help placing an account? Connect with a market specialist.