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...ypical fits include bakeries and packaged baked goods, snack and confectionery...rs, beverage bottlers, and canned or frozen food processors—are generally a go...

...ility or property) basis or as a packaged policy, depending on the insured’s n... is this program available in?This Wholesalers Insurance program is available ...

...l to mid-sized distributors and wholesalers operating in a wide range of indus...verage distributors, office supply wholesalers, and equipment distributors. Ca...

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.

...ood convenience store that sells packaged beer and needs liquor liability and ...

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.