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... Importers and distributors of frozen food Book distributors and publ...ne storage and transit exposures — wholesalers, importers, processors and manu...

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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.

...arine solutions on a monoline or packaged basis. It is designed for driving-ra...

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.

Policy Highlights for Tanning Salon Insurance: Colonial General Insurance Agency, Inc. offers a focused Tanning Salon Insurance program to help agents and brokers place tanning-related businesses across the western United States. The program is designed for standalone UV tanning salons, spray-tanning studios, and salons or spas that include tanning services as part of a broader menu. Colonial General blends access to admitted and excess & surplus markets with underwriting tuned to this niche operation type. Ideal Accounts and Appetite This program accepts a broad range of tanning-related operations, including: Traditional UV tanning salons Spray-on tanning studios and mobile spray services Salons, spas, or wellness centers that operate tanning units alongside other services Typical examples you can place through this program: a boutique California spa that recently added spray tanning and needs general liability plus E&O; or a small multi-location tanning chain in Arizona seeking higher liability limits and equipment coverage. The underwriting is flexible enough for single-location shops and growing multi-unit operations, while limiting accounts with unusually high liability or regulatory concerns. Coverage Highlights and Advantages Property coverage is available as mono-line or part of a package and can include: Building and business personal property Business income and extra expense protection Equipment breakdown Computer equipment and valuable papers Accounts receivable Outside signs Coverage on Basic, Broad, or Special forms Replacement Cost or Actual Cash Value options Commercial General Liability features commonly available through the program: Primary limits up to $3,000,000 occurrence/aggregate Errors & Omissions (E&O) coverage to full policy limits $5,000 Medical Payments included Hired and Non-Owned Auto liability available Excess or Umbrella limits up to $25,000,000 No deductible required on some products Additional interests automatically included Crime coverage options include protection for: Theft of money and securities on-premises Robbery or safe burglary of other property Theft and other losses while funds are outside the premises Underwriting Notes and Minimum Premiums Colonial General evaluates tanning risks with attention to equipment condition, safety procedures, client screening, staff training, and whether services include mobile spray operations. Accounts with well-documented safety programs, routine equipment maintenance, and clear client consent procedures typically receive more favorable terms. Minimum premiums vary by carrier and state; accounts are evaluated individually and packages can be tailored to the account size and exposures. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Coverage may be placed through admitted markets where available or through non-admitted (E&S) markets depending on the state and specific risk characteristics. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings niche expertise in personal and commercial specialty lines across the western U.S. Agents benefit from: Access to a variety of admitted and E&S carriers for tanning risks Underwriting that understands tanning-specific exposures (equipment, professional services, client procedures) Flexible mono-line or package options to match client needs Responsive service and assistance placing accounts quickly Whether you need a single mono-line property policy or a higher-limit liability package with E&O and crime, Colonial General can help you find a market and structure a policy for your tanning salon clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for standalone tanning salons, spray tanning studios, and salons or spas that offer tanning services as part of a broader menu. Is Errors and Omissions (E&O) coverage included?Yes, E&O coverage is included up to the policy limits, which is important for professional tanning services such as spray tanning or consultation-based treatments. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are mono-line property or liability policies available?Yes. You can place mono-line property or liability policies, or combine coverages into a tailored package depending on the account. Does the program include coverage for equipment breakdown?Yes, equipment breakdown coverage is available as part of the property options to protect tanning machines and related equipment. Need help placing an account? Connect with a market specialist.

...lity coverages on a mono-line or packaged basis, and is built specifically for...

...nance structures. It can also be packaged with Employment Practices Liability ...tructures. Can this D&O coverage be packaged with other management liability products?Yes. In many cases D&O can be packaged with EPLI, Crime, and Fiduciary L...