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Frozen food and produce haulers face a distinct set of risks... a good fit for this Frozen Foods or Produce Insurance program?Accounts that c...

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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.

... program is available to licensed producers placing business in the following ...