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Leavitt Recreation and Hospitality offers a 2-day turnaround on quotes for Bed and Breakfast Insurance! Bed and Breakfast Insurance Program from Leavitt Recreation and Hospitality Leavitt Recreation and Hospitality Insurance, Inc. (LRHI) offers a specialized Bed and Breakfast Insurance program tailored for owner-occupied and innkeeper-managed properties across a wide range of U.S. states. With deep expertise in hospitality and recreation risks, LRHI understands the unique exposures that come with operating charming, customer-facing businesses like B&Bs and vacation rentals. This program provides flexible coverage options and fast turnaround—quotes in 2 days and binding in as little as 1 day—making it an ideal solution for busy agents. Ideal Accounts and Appetite This program is designed for a variety of hospitality risks, including: Owner-occupied bed and breakfast properties Inns managed by an innkeeper or third-party manager Vacation rentals (including seasonal operations) Properties located in Protection Class 9 and 10 areas Whether your client operates a year-round B&B or a seasonal mountain inn open for 12 or more consecutive weeks, LRHI can accommodate various occupancy schedules. Properties must be winterized if unoccupied during off-season months. Coverage Highlights and Advantages Leavitt’s Bed and Breakfast program offers broad and customizable coverage options that address both personal and business exposures: Liability limits up to $1,000,000 Medical Payments up to $10,000 Loss of Use coverage for owner-occupied risks Personal Injury Protection Restaurant and host liquor liability available Scheduled personal property (fine arts, furs, jewelry, guns) Replacement Cost coverage for buildings up to 50 years old (with updates in the last 20 years) Functional Replacement Cost for buildings older than 50 years Owner-occupied properties are eligible for coverage on both personal and business personal property, making this an ideal solution for hybrid-residential operations. Underwriting Highlights and Minimum Premium LRHI’s in-house underwriting authority allows them to quote, bind, and issue policies quickly—often within 24 hours for risks with total insured values (TIV) under $3 million. This flexibility is ideal for agents who need fast answers and efficient placement for unique hospitality accounts. Minimum premiums vary based on location, occupancy, and coverage needs. Contact LRHI for a tailored quote. Territories and Availability This non-admitted program is available in the following states: AL, AZ, AR, CO, CT, DE, GA, HI, ID, IN, KS, LA, ME, MD, MI, MS, MO, MT, NE, NJ, NM, NY, NC, OH, OK, OR, SC, SD, TN, TX, UT, VA, WA, WY Why Work With Leavitt Recreation and Hospitality Insurance With decades of experience in hospitality and recreational risks, Leavitt Recreation and Hospitality brings targeted underwriting knowledge, reliable carrier markets, and responsive service to help agents succeed. The ability to bind quickly, handle unique property types, and offer flexible coverage options makes this program a go-to solution for agents serving the B&B and vacation rental space. For all of your Bed and Breakfast Insurance risks, contact Leavitt today! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for owner-occupied bed and breakfasts, inns managed by innkeepers, and vacation rental properties, including those in rural or high protection class areas. Can this program handle seasonal or part-time operations?Yes. Properties that operate for at least 12 consecutive weeks can be considered. If the property is unoccupied during the off-season, it must be properly winterized. What coverage is available for older buildings?Buildings over 50 years old are written on a Functional Replacement Cost basis. Properties less than 50 years old that have been updated in the last 20 years may qualify for Replacement Cost coverage. How quickly can I get a quote or bind coverage?LRHI typically provides quotes within 2 business days. For risks under $3 million TIV, binding and issuance can be done in as little as one day due to in-house authority. Is this an admitted or non-admitted program?This is a non-admitted program, offering flexibility in underwriting and coverage for unique or higher-risk accounts. Need help placing an account? Connect with a market specialist.

Policy Highlights for Detox Facility Insurance: Colonial General Insurance Agency, Inc. offers a specialized Detox Facility Insurance program designed to meet the unique risks and regulatory challenges faced by substance abuse treatment providers. Whether your client operates a freestanding detox center, a hospital-affiliated unit, or a specialized addiction treatment facility, Colonial General can help you secure the right coverage tailored to their operations. Ideal Accounts and Appetite This program is built for facilities that provide detoxification and rehabilitation services for individuals struggling with substance abuse. Target accounts may include: Freestanding detox centers Hospital-based or affiliated detox units Specialty hospitals focused solely on substance abuse treatment Rehabilitation facilities offering inpatient or outpatient services Clinics affiliated with mental health centers or HMOs Accounts that demonstrate a commitment to licensed care, proper staffing ratios, and compliant operational standards are typically preferred. Coverage Highlights and Advantages Colonial General’s Detox Facility Insurance offers flexible coverage options to help protect your clients from a range of exposures, including: General Liability and Professional Liability Property and Equipment Coverage Sexual Abuse and Molestation Liability Employee Practices Liability (EPLI) Medical Malpractice (where applicable) Coverage solutions are designed to address the complex needs of detox and rehab service providers, including the risks associated with medical treatment, counseling, and patient management. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer competitive pricing and underwriting flexibility. While minimum premium requirements may vary by market and account size, this program is structured to accommodate both small and mid-sized facilities. Underwriting will consider factors such as services offered, facility type, licensing, claims history, staff qualifications, and more. Territories and Availability This program is currently available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Both admitted and non-admitted markets are available in select territories, depending on the account and risk profile. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing hard-to-insure risks. Their focus on niche healthcare and social services programs means you get access to knowledgeable underwriters and a broad range of market options. Whether your client is opening a new detox facility or expanding an existing one, Colonial General can help you find the right coverage solution quickly and efficiently. Visit the Colonial General Insurance Agency, Inc. profile to learn more about their full range of programs and capabilities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freestanding detox centers, hospital-affiliated units, and specialty facilities focused on substance abuse treatment. Which states is this program available in?The Detox Facility Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted carriers used?Yes, Colonial General has access to both admitted and non-admitted markets, depending on the state and risk profile. What coverages are typically included?Common coverages include General Liability, Professional Liability, Property, Sexual Abuse Liability, and EPLI, among others. Does the program accommodate new ventures?Yes, new ventures may be considered depending on the business plan, licensing, and staff background. Need help placing an account? Connect with a market specialist.

A Fireman's Fund Program Since 1975, Leavitt Recreation & Hospitality Insurance has been a leading provider of insurance solutions for the RV park and campground industry. Our dedicated RV Park Insurance program is tailored to meet the unique needs of campgrounds, RV parks, and camping resorts across the country. With a deep understanding of the risks these businesses face, we offer comprehensive protection backed by top-rated carriers, including Fireman's Fund Insurance Company. Ideal Accounts and Appetite We work with independent agents and brokers to place a wide variety of RV park operations. Ideal accounts include: Privately owned RV parks and campgrounds Camping resorts and destination parks Sites with amenities such as pools, recreational facilities, and rental cabins We welcome both seasonal and year-round operations. Whether your client runs a small, family-owned site or a large resort-style campground, we can help find the right coverage fit. We offer preferred rates for well-maintained properties with strong risk management practices. Coverage Highlights and Advantages Our RV Park Insurance program provides broad protection for property, liability, and vehicles. Key coverages include: Property coverage for buildings, contents, and equipment General liability, including premises and operations Commercial auto and mobile equipment coverage Optional endorsements for recreational facilities and special events Loss of income and business interruption protection We offer exclusive coverage enhancements and prompt, responsive claims support. With over 1,200 camping resorts insured nationwide, we are the number one insurer in this niche market. Underwriting Notes and Minimum Premiums We underwrite through multiple "A"-rated carriers and offer flexible options for your clients. Minimum premiums vary based on the size and scope of the operation. Our team works closely with agents to evaluate each risk and structure competitive solutions. Preferred pricing is available for qualifying properties, and we are happy to review submissions of all sizes. Territories and Availability Our RV Park Insurance program is available in all 50 states and Washington, D.C. We are fully equipped to help agents place business from coast to coast, including both admitted and non-admitted markets where applicable. Why Work With Leavitt Recreation and Hospitality Insurance? With decades of experience and a specialized focus on the outdoor hospitality industry, Leavitt Recreation and Hospitality Insurance offers unmatched program knowledge and service. We understand the challenges RV park owners face and provide insurance solutions designed to protect their investments and operations. Our team delivers efficient underwriting, fast turnaround, and a commitment to helping agents grow their books of business in this niche. Let Leavitt Recreation and Hospitality handle your RV Park Insurance Program needs! Frequently Asked Questions What types of accounts are a good fit for this RV Park Insurance program?Privately owned RV parks, camping resorts, and campgrounds—especially those with recreational amenities—are ideal for this program. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C. Which carriers are used for this program?We place business through multiple "A"-rated carriers, including Fireman's Fund Insurance Company. Are both admitted and non-admitted markets available?Yes, we offer access to both admitted and non-admitted markets based on the risk and location. What is the minimum premium for this program?Minimum premiums vary depending on the size and type of operation. We can provide a customized quote based on your client’s needs. Need help placing an account? Connect with a market specialist.

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 specialized ATV Sales and Service Insurance Program designed for businesses involved in the sale, repair, and service of all-terrain vehicles. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings years of experience and access to multiple markets to help agents place hard-to-insure risks in the powersports and recreational vehicle sector. Ideal Accounts and Appetite This program is ideal for independent agents with clients who operate: ATV dealerships and showrooms ATV repair and service shops Scooter and moped dealers (49 CC engines or greater) Snowmobile sales and service businesses Whether your client is a small-town ATV repair shop or a multi-line recreational vehicle dealership, Colonial General can help you secure the appropriate coverage for their operations. Accounts that include towing services, vehicle storage, or test drives are also within appetite. Coverage Highlights and Advantages Our ATV Sales and Service Insurance Program includes a broad range of commercial garage coverages to protect your clients from the unique exposures they face: Garage Liability: Limits up to $1,000,000 per accident Garage Keepers Coverage: Primary basis with specified causes of loss Dealers Physical Damage False Pretense Coverage: Protection against losses due to fraudulent acts Fire Legal Liability In-Transit Coverage: For towing operations Medical Payments: Up to $5,000 Broadened Coverage Endorsements Property Coverage Available This comprehensive package helps safeguard both the business premises and the vehicles in your client’s care, custody, and control. From potential fire damage in the service bay to theft during a test ride, the program addresses a wide range of exposures common to the ATV industry. Underwriting Notes and Minimum Premiums Colonial General works with multiple carriers to underwrite these accounts, offering both admitted and non-admitted solutions depending on the state. While minimum premiums vary by risk and location, our team is experienced in evaluating unique submissions and providing competitive options. Submissions should include complete applications, detailed business operations, and loss history when available to ensure a quick turnaround. Territories and Availability This program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some admitted markets are available depending on the state and class of business. Why Work With Colonial General? Colonial General is known for its regional focus and deep expertise in niche commercial programs. By working with us, you gain access to specialty carriers, responsive underwriters, and a team that understands the unique needs of powersports dealers and service providers. We help agents like you place hard-to-insure risks with confidence and speed. Whether you’re helping a new ATV dealer get off the ground or supporting an established repair shop expanding into snowmobiles, Colonial General has the tools and products to help you succeed. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for ATV dealerships, repair shops, and service centers, as well as businesses dealing in scooters (49 CC or more), mopeds, and snowmobiles. Can the program accommodate businesses with towing operations?Yes, the program includes in-transit coverage, making it suitable for businesses that offer towing or pick-up/drop-off services. Is Garage Keepers Coverage included?Yes, Garage Keepers Coverage is provided on a primary basis with specified causes of loss to protect vehicles in your client’s care. What is the availability of admitted markets?Some admitted markets are available depending on the specific risk and state. Colonial General helps determine the best fit based on your client’s profile. Which states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Allied Healthcare Insurance program designed to meet the unique needs of a wide range of allied health professionals. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents and brokers access to flexible coverage options across multiple states. Overview of the Program From Colonial General This program is tailored for independent agents and brokers seeking coverage solutions for allied health clients. Colonial General understands the liability exposures that healthcare service providers face and offers both Professional Liability and General Liability coverage on an occurrence or claims-made basis. Property coverage is also available, typically through a Business Owner’s Policy (BOP). Ideal Accounts and Appetite Colonial General’s Allied Healthcare Insurance program is a strong fit for many classes of allied health providers. Eligible classes may include, but are not limited to: Home health aides Physical and occupational therapists Medical clinics and wellness centers Behavioral health professionals Medical staffing and nurse registries If you have clients operating in outpatient care, rehabilitation, or providing non-emergency medical services, this program may be an excellent match. Accounts with a clean loss history and strong operational protocols are especially attractive. Coverage Highlights and Advantages Professional Liability and General Liability available on occurrence or claims-made forms Property coverage available via BOP for eligible risks Flexible underwriting across a wide array of allied health classes Access to both admitted and non-admitted markets (some available admitted options) Customizable limits and endorsements based on client needs Example: You might have a client who operates a small physical therapy clinic with three licensed therapists and minimal claims history. Colonial General can help you place this risk with appropriate liability and property coverage under a single policy. Underwriting Notes and Minimum Premiums Minimum premium requirements may vary depending on the class of business, coverage limits, and risk characteristics. While no specific minimum is listed, Colonial General works with agents to find competitive solutions for qualified accounts. Submission requirements may include a completed application, details on services provided, licensing, and loss history. 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), and Wyoming (WY). Agents in these regions can leverage Colonial General’s access to multiple carriers to find the right fit for their clients. Why Work With Colonial General on This Business With decades of experience in the healthcare and allied health markets, Colonial General offers reliable underwriting, responsive service, and access to a range of carrier partners. Their expertise in E&S and admitted markets allows agents to effectively place both standard and hard-to-place risks. Whether your client is a solo practitioner or a multi-location provider, Colonial General is ready to support your placement needs. Frequently Asked Questions What types of accounts are a good fit for this program?The program targets allied health professionals such as home health aides, therapists, outpatient clinics, and wellness providers with a clean loss history and solid operational procedures. What coverages are available through the Allied Healthcare program?Professional Liability and General Liability (on occurrence or claims-made forms) are available, along with property coverage typically offered under a Business Owner’s Policy. Is this program available on an admitted basis?Some admitted markets are available, but availability may vary by state and class of business. Colonial General also offers access to non-admitted options through its E&S channels. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is needed to submit a quote request?Typically, a completed application, details on services offered, licensing information, and recent loss history are required for underwriting review. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Exercise Studio Insurance program designed for a wide range of health and fitness businesses. This program provides comprehensive Property and Liability coverage on a mono-line or package basis, making it flexible and easy to tailor to your clients’ needs. Ideal risks include exercise equipment clubs, aerobic studios, weightlifting gyms, personal trainers, massage parlors, dance studios, and physical therapists. Childcare services offered on premises for club members are also covered. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary Limits available up to $3,000,000 per occurrence / aggregate Liquor Liability (where applicable) Hired and Non-Owned Auto coverage Excess or Umbrella Limits up to $25,000,000 Included Endorsements and Features: Medical Payments Coverage – $5,000 Limit Blanket Additional Insured Endorsement Club Members included as Additional Insureds Errors and Omissions Coverage – up to policy limits Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (optional higher limits available) No deductible required Loss Prevention Brochure provided Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown and Food Spoilage Inland Marine and Valuable Papers Outside Signs Accounts Receivable Basic, Broad, or Special Form 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 – Inside the Premises Theft and Robbery – Outside the Premises Ideal Accounts and Appetite This program is an excellent fit for small to mid-sized fitness-related businesses that require both liability and property protection. You can confidently place accounts such as: A suburban dance studio with part-time instructors and a modest inventory of sound equipment A boutique personal training gym offering massage services and member childcare A yoga or Pilates studio looking for Errors and Omissions and Abuse & Molestation coverage Businesses offering high-risk activities like rock climbing or martial arts may fall outside of appetite—check with underwriting for clarification. Underwriting Notes Colonial General works with a range of carriers (markets vary) and can access both admitted and non-admitted options depending on the account and state. No deductible is required for standard policies, and abuse coverage can be increased upon request. Minimum premiums may vary—contact underwriting for specifics on your client’s risk profile. Territories and Availability This Exercise Studio 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) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers deep experience in niche commercial programs. Their Exercise Studio Insurance program is structured to help agents efficiently place fitness and wellness business with tailored coverage options and competitive limits. From streamlined underwriting to value-added resources like loss prevention materials, Colonial General supports agents in delivering strong solutions for fitness-related risks. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include exercise studios, personal training gyms, dance studios, massage parlors, and physical therapy offices. Facilities that offer member childcare or wellness services are also eligible. Is childcare coverage included in the policy?Yes, coverage is available for childcare provided to club members while on the premises, subject to underwriting approval. Can I get Abuse and Molestation coverage with higher limits?Yes, the standard policy includes $25,000 per claim and $50,000 aggregate, but higher limits are available upon request. In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available for General Liability?Primary limits up to $3,000,000 occurrence/aggregate are available, with excess or umbrella coverage up to $25,000,000. Need help placing an account? Connect with a market specialist.