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... highly activated public municipal pools with significant spectator exposures ...er who installs fiberglass and gunite pools for single-family homes — needs CG...

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Liquor Liability Coverage From Continental Risk / Continental Marine Insurance Services Liquor liability exposures aren’t just limited to bars and restaurants. At Continental Risk / Continental Marine Insurance Services, we understand that many hospitality and entertainment businesses also face liquor-related risks. That’s why we offer a Liquor Liability program tailored for a broad range of establishments, including: Hotels and Motels Pool Halls and Bowling Centers Bars and Taverns Restaurants Ice and Roller Skating Centers Whether your client operates a busy restaurant with a full bar or a boutique motel that occasionally hosts events serving alcohol, our program is designed to help agents place these accounts with confidence. Ideal Accounts and Appetite This program is well-suited for businesses that serve, sell, or allow the consumption of alcohol on their premises. Our appetite includes: Hospitality venues that serve alcohol such as hotels and motels (excluding 24-hour operations) Entertainment venues like pool halls, bowling alleys, and skating centers Restaurants, bars, and taverns with liquor exposure We do not offer coverage for 24-hour operations or venues with extremely high-risk alcohol exposure. If you're unsure whether your client's business qualifies, our underwriting team can help you assess the risk. Coverage Highlights and Advantages Limits available: $1,000,000 per occurrence / $2,000,000 aggregate / $1,000,000 for liquor liability Medical Payments: Up to $5,000 Minimum Deductible: $0 Admitted Markets: Some markets available on an admitted basis, with all carriers rated “A” or higher Combined GL and Liquor Packages: Ability to package General Liability with Liquor Liability for comprehensive protection This program is structured to meet the needs of small to mid-sized establishments with moderate to high foot traffic and standard liquor exposure. Our ability to package coverages can help agents present a more complete insurance solution to their clients. Underwriting Notes and Minimum Premiums The base minimum premium starts at $2,500. We offer flexible underwriting for qualified risks, and we work closely with our agents to find the right solutions for their clients’ specific operations. Our underwriting team evaluates each submission thoroughly and efficiently. Territories and Availability This Liquor Liability program is currently available in the following states: AL, AK, AZ, AR, CA, CO, GA, ID, LA, MA, MO, NV, NM, NY, NC, ND, OH, OK, OR, PA, RI, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY We are actively writing in these states and are familiar with the unique regulations and exposures within each territory. Why Work With Continental Risk / Continental Marine Insurance Services? As a trusted wholesale broker with access to top-rated carriers, Continental Risk / Continental Marine Insurance Services offers specialized solutions for liquor liability risks across various industries. We bring extensive experience in underwriting and brokering hospitality and entertainment industry accounts. Our team is responsive, knowledgeable, and committed to helping agents succeed. Whether you’re placing a small rural tavern or a chain of boutique hotels, we can help you find a market quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?We target businesses such as bars, taverns, restaurants, hotels, motels, pool halls, bowling centers, and skating rinks that serve or allow alcohol consumption. Can General Liability be packaged with Liquor Liability?Yes, we offer the option to package General Liability and Liquor Liability coverages for qualified accounts. Are 24-hour operations eligible for this program?No, this program excludes 24-hour operations due to increased risk exposure. What is the minimum premium for this Liquor Liability coverage?The minimum premium starts at $2,500, depending on the risk profile and coverage needed. Is this program available on an admitted basis?Some markets are available on an admitted basis, and all carriers used are A-rated. Need help placing an account? Connect with a market specialist.

...tal equipment, laundry facilities, pools, or playgrounds—may be eligible. Unde...arkets when necessary. Are risks with pools or playgrounds eligible?Yes—these ...

...nts with on-site amenities such as pools, tennis courts, fitness areas, and sn...commercial water slides, complex wave pools, or diving platforms beyond standa...

...to the state fund or assigned risk pools. Is prior coverage required to qualif...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible Sports League Insurance program designed to meet the unique needs of amateur athletic organizations. Whether your client manages a seasonal youth soccer league, a community basketball program, or a nonprofit athletic camp, this program provides tailored protection for non-contact sports organizations operating in AZ, CA, CO, ID, NV, NM, UT, and WY. Ideal Accounts and Appetite This program is a strong fit for local and regional amateur sports organizations, camps, clinics, and leagues focused on non-contact sports. Target classes include: Youth and adult recreational leagues Seasonal sports camps and clinics Community-based athletic programs Eligible sports include, but are not limited to, archery, baseball, basketball, bowling, cheerleading, golf, flag football, soccer, softball, tennis, and volleyball. Contact sports and high-risk athletic programs may be outside the program’s appetite. Reach out to Colonial General for underwriting clarification on fringe or high-risk activities. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis, allowing you to customize protection based on your insured’s operations. Highlights include: Commercial General Liability Primary limits up to $3 million per occurrence/aggregate Excess or Umbrella limits up to $25 million Included coverages: Additional Interests Medical Payments Coverage – $5,000 limit Limited Participant Liability – $25,000 per occurrence / $50,000 aggregate Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate No deductible Property Coverage Buildings, Contents, and Equipment Breakdown Business Income and Food Spoilage Accounts Receivable Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value Crime Coverage Theft of Money and Securities inside the premises Robbery or Safe Burglary of Other Property Coverage for losses occurring outside the premises Underwriting Notes Colonial General works with various carriers to offer access to both admitted and non-admitted markets, depending on the risk and location. While minimum premiums are not listed, underwriting flexibility allows room for a variety of account sizes, especially in community-based and nonprofit markets. Submissions should include details such as the type of sport, number of participants, location, and duration of events or seasons. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Agents operating in these Western states can rely on Colonial General’s regional knowledge and market access to place coverage efficiently. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep expertise in placing niche programs for specialty markets. With access to a variety of carriers and a flexible underwriting approach, they support agents in tailoring solutions for sports leagues and camps that face unique liability and property exposures. Their in-depth knowledge of regional risks and responsive service model make them a trusted partner for placing amateur sports accounts. Whether you’re helping a local youth soccer league secure liability coverage or working with a nonprofit that runs seasonal cheerleading clinics, Colonial General can help you find the right protection for your client’s activities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amateur sports leagues, camps, clinics, and community-based athletic organizations involved in non-contact sports such as soccer, baseball, cheerleading, and tennis. Are contact sports eligible for coverage?Generally, this program focuses on non-contact sports. Contact sports may be outside the standard appetite, but you can contact Colonial General for specific underwriting guidance. What states is this program available in?The Sports League Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Is liability coverage available as standalone or only as part of a package?Liability coverage is available on a standalone (mono-line) basis or as part of a package with property and crime coverages. What limits are available for general liability?Primary general liability limits are available up to $3 million per occurrence and aggregate, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

Policy Highlights for Tavern Insurance: Colonial General Insurance Agency, Inc. offers a focused Tavern Insurance program for taverns and restaurants where alcohol sales are 30% or more of total gross receipts. The program supports small neighborhood bars through high-volume full-service restaurant bars, with Property and Liability available on a mono-line or package basis to fit varied risk profiles and operational needs. Ideal Accounts and Appetite This program is best suited for agents placing: Taverns and bars with significant alcohol sales (30%+ of gross sales) Restaurants with full-service bars or late-night service Small to mid-sized hospitality establishments that provide food and entertainment Accounts with prior losses or complex exposures may still be considered — Colonial General’s underwriting is flexible and reviews submissions on a case-by-case basis. This market offers both admitted and non-admitted options in select states. Coverage Highlights and Advantages Property Coverage Available for Taverns: Accounts Receivable Basic, Broad, or Special Form Building and Business Personal Property Business Income and Extra Expense Computer Equipment Equipment Breakdown Food Spoilage Contents and Outside Signs Valuable Papers Replacement Cost or Actual Cash Value (ACV) Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence/aggregate Liquor liability included Excess/umbrella limits up to $25,000,000 Assault and/or battery limited liability coverage ($25,000 per event / $50,000 aggregate) Medical payments coverage ($5,000) Additional insureds available No deductible required on liability (per program terms) 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 Underwriting Notes Coverage can be bound as mono-line or as a packaged program. Colonial General evaluates each submission on exposures, location, and operations; pricing and structure are tailored to the account. There is no published minimum premium — actual minimums, if any, will be determined by the underwriters and the market selected. Territories and Availability This Tavern Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Depending on the state and the account, coverage may be placed through admitted or non-admitted markets. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides regional hospitality expertise and broad market access. The program is backed by multiple carrier partners and offers underwriting flexibility for common tavern risks — liquor exposure, assault/battery incidents, food spoilage, and equipment breakdown among them. Agents benefit from responsive underwriting, placement options across admitted and E&S markets, and policy forms that address hospitality-specific exposures. You can rely on Colonial General to help structure limits, excess layers, and ancillary coverages to fit your client’s operation. Practical Placement Examples You may have a neighborhood tavern with moderate alcohol sales, dart leagues, and a single bartop — this program can provide primary GL with liquor liability and limited assault/battery coverage. A mid-size restaurant with a full bar, commercial kitchen, and late-night hours can be placed with both property (including food spoilage and equipment breakdown) and high-limit excess liability to address elevated exposures. Frequently Asked Questions What types of accounts are a good fit for this Tavern Insurance program?Ideal accounts include taverns, bars, and restaurants where alcohol sales are 30% or more of gross receipts. Establishments with entertainment or late-night operations are routinely considered. Is liquor liability coverage included in this program?Yes. Liquor liability is available as part of the Commercial General Liability offering, with primary limits up to $3 million and excess options up to $25 million. Can I submit accounts located in multiple states?Yes. Colonial General writes business in AZ, CA, CO, ID, NV, NM, UT, and WY. Multi-state operations within these states can be submitted and will be evaluated by underwriting. Are there coverage options for food spoilage and equipment breakdown?Yes. Both food spoilage and equipment breakdown are available under the Property section to protect perishable inventory and kitchen equipment. Does the program offer any assault and battery coverage?Yes. A limited assault and/or battery liability form is available with $25,000 per event and $50,000 aggregate limits. Need help placing an account? Connect with a market specialist.

Policy Highlights: Smart taxi fleet owners and independent operators turn to Colonial General Insurance Agency, Inc. for tailored taxi service placements. As an experienced Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple markets, responsive underwriting, and flexible coverages designed for transportation risks. Overview of the Program From Colonial General The Taxi Service Insurance program is built for independent agents and brokers placing taxi fleets, single owner-operators, and non-emergency transport services. Colonial General combines market access with transportation underwriting expertise to help you meet state requirements and your clients’ operational needs. Ideal Accounts and Appetite This program is a good fit for: Taxi fleets with multiple vehicles Single-vehicle owner-operators Urban, suburban, and rural taxi operations Operators working within a 500-mile radius We consider both standard taxi operations and accounts with unique exposures. Typical fits include mid-sized metro fleets with modest loss histories and independent drivers with clean records. Examples you might submit: a 10-vehicle city fleet seeking primary liability and physical damage, or a single owner-operator running local routes who needs state-compliant limits and a flexible deductible. Coverage Highlights and Advantages Colonial General offers adaptable coverages to match state rules and client needs: Liability coverage: Up to $1,000,000 CSL Physical damage: Available with deductibles from $500 to $5,000 Radius of operation: Options up to 500 miles State minimums: Coverage available to meet required state limits Excess limits: Submissions above state minimums can be reviewed for placement Underwriting Notes and Minimum Premiums Underwriting focuses on vehicle type, radius of operation, driver experience, and loss history. Minimum premiums vary by market and the risk profile; Colonial General works with agents to identify the most appropriate markets and competitive options. Accounts needing limits above state minimums will receive individualized review and placement efforts. Territories and Availability This 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 admitted while others may be non-admitted depending on state rules and the specific risk. Contact Colonial General for guidance on placement options and state eligibility. Why Work With Colonial General? Colonial General brings deep transportation underwriting knowledge and strong carrier relationships. As an MGA and E&S broker, they offer quick turnaround, flexible terms, and multiple market access — useful when standard carriers decline or when an account needs tailored limits or deductibles. Their team is experienced placing both small owner-operators and larger taxi fleets. If you need placement assistance or have a challenging taxi risk, Colonial General can evaluate alternatives across admitted and non-admitted markets and advise on the most viable submission strategy. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for taxi fleets, independent drivers, and transport services operating within a 500-mile radius in the available states. Can I submit a risk that requires coverage above the state minimum limits?Yes. Submissions that exceed state minimums will be reviewed on a case-by-case basis and may be placed with appropriate markets. What deductible options are available for physical damage coverage?Deductible options typically range from $500 to $5,000, depending on the specific risk and market availability. Is this program available in my state?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability can vary by market and risk characteristics. What is the process for submitting a risk?Provide the insured's details—vehicle count, radius of operation, driver experience, and loss history—and Colonial General will guide you through the submission and quoting process. Need help placing an account? Connect with a market specialist.