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Grocery Store Insurance Program from Colonial Gener...are feet?This program is designed for stores 3,000 square feet or less. Larger...

Sports Clinic Insurance — Colonial General Insurance Agency, Inc. Overview of the Program From Colonial General Colonial General Insurance Agency offers a Sports Clinic Insurance program designed for agents placing amateur sports programs, clinics, camps and leagues. This program combines property and liability coverages on a mono-line or packaged basis, and is built specifically for non-contact and limited-contact activities such as archery, baseball, basketball, bowling, cheerleading, golf, flag football, soccer, softball, tennis and volleyball. Colonial General places business in admitted and excess & surplus markets depending on the account — some admitted markets are available. Ideal Accounts and Appetite Youth and community sports clinics, weekend skills camps, and seasonal leagues for amateur players. Organizations that operate out of community centers, school gyms (when allowed), municipal parks, private clubs, or rented facilities. Programs with organized supervision, written participant waivers, and basic risk controls (background checks for instructors, safety protocols). Not intended for professional teams, high-risk contact sports without additional underwriting, or programs with significant alcohol sales, unlicensed instructors, or persistent prior claim activity. If an account presents unique exposures, Colonial General underwriting can evaluate on a case-by-case basis. Coverage Highlights and Advantages Key liability and property features agents can offer insureds through this program: Commercial General Liability — primary limits available up to $3,000,000 occurrence and aggregate. Excess/Umbrella capacity — limits up to $25,000,000 where needed. Included coverages: Additional Interests, Medical Payments ($5,000), Limited Participant Liability ($25,000 per occurrence / $50,000 aggregate), and Sexual & Physical Abuse coverage ($25,000 per claim / $50,000 aggregate). No deductible required on the liability piece in many placements. Property options — Accounts Receivable, Building, Contents, Business Income, Equipment Breakdown, Food Spoilage, with Basic, Broad, or Special forms available and choice of Replacement Cost or Actual Cash Value valuation. Crime coverages — inside theft of money and securities, robbery/safe burglary, and outside the premises theft available where applicable. Underwriting Notes To quote quickly, underwriters typically request: Applicant details: operations description, annual revenue, and number of participants per event. Safety and risk control information: staff-to-participant ratios, instructor qualifications, use of waivers, background checks, and facility supervision. Loss history for the past 3–5 years and any prior abuse/sexual misconduct claims. Details on property values, rented locations, concessions or vendors on site, and whether activities include hazardous equipment or high-contact play. Colonial General underwriters can provide guidance on acceptable controls to improve terms. Minimum premiums vary by market and are quoted per account; discuss specifics with underwriting at placement. Territories and Availability This program is available across select western states: AZ, CA, CO, ID, NV, NM, UT and WY. Coverage may be placed admitted where markets allow; otherwise business is written through excess & surplus lines or non-admitted carriers. Carriers and exact terms vary by state and account characteristics. Why Work With Colonial General on Sports Clinic Business MGA and E&S broking capability gives agents access to multiple markets and flexible packaging for liability and property risks. Program includes participant and abuse cover options that many standard markets limit or exclude, making it practical for youth and community organizers. Responsive underwriting for western state accounts and experience placing small- to mid-sized clinics and seasonal camps. Ability to place limits up to $3M primary and large umbrella capacity when needed. Example Accounts Two typical placements: A nonprofit summer soccer clinic that runs weekly sessions for ages 6–12, uses a municipal field, requires participant waivers and seeks $1M/$2M limits plus property coverage for rented equipment. A weekend multi-sport skills camp held in a private gym offering baseball, basketball and tennis instruction, with paid instructors and on-site concessions — needing both liability and contents coverage. Frequently Asked Questions What types of sports programs are a good fit for this Colonial General program?Non-professional, amateur sports clinics, youth camps and seasonal leagues for non-contact or limited-contact sports (for example soccer, baseball, volleyball, tennis, golf and similar activities) are the primary target. Programs with structured supervision, waivers and instructor vetting match the appetite best. Are sexual and physical abuse coverages included?Yes. The program includes sexual and physical abuse coverage limits (typically $25,000 per claim / $50,000 aggregate as shown in underwriting materials) — availability and limits depend on the specific carrier and account details. Can I place both liability and property together?Yes. Colonial General can package property and liability on a mono-line or combined basis. Property options include building, contents, business income, equipment breakdown, food spoilage and choice of valuation form where available. Which states are eligible for this program?This program currently writes business in AZ, CA, CO, ID, NV, NM, UT and WY. Some admitted markets are available; other placements may be written through E&S carriers depending on the state and risk profile. Need help placing an account? Connect with a market specialist.

Specialized Water Sports Insurance From Prime Insurance Company Water sports are exciting—but they come with unique risks that many standard carriers won’t underwrite. That’s where Prime Insurance Company steps in. As a program administrator offering access to multiple carriers, Prime delivers specialized, non-admitted coverage solutions for a wide range of water sports-related businesses and individuals across the U.S. Whether your client owns a watercraft rental business, operates a parasailing tour operation, or participates in high-risk activities like hydro flying, Prime can create a custom insurance solution tailored to their operations and risk profile. Ideal Accounts and Appetite This program is designed for individuals and companies involved in recreational and commercial water sports. Prime welcomes both standard and hard-to-place risks, including accounts that may have prior claims or higher-than-average exposures. Common classes include: Jet ski and personal watercraft rentals Boating and fishing tour operators Parasailing and wakeboarding businesses Kayak, canoe, and paddleboard rentals Water skiing and tubing operators Hydro flight and flyboarding activities Water sports equipment rental and sales If you have a client with a new operation or one that has been declined elsewhere due to the nature of their water-based activities, this program may be an excellent fit. Coverage Highlights and Advantages Prime Insurance Company takes a hands-on underwriting approach, allowing for flexible, tailored policies that meet the specific needs of each insured. Coverage features may include: General liability tailored to water sports operations Property coverage for equipment and facilities Participant accident and medical coverage Coverage for watercraft and rental operations Defense against liability claims from injuries or accidents Prime’s all-in-one policy design helps reduce gaps in coverage and streamline the insurance process for complex and high-risk accounts. Underwriting Notes Each application is individually underwritten, taking into account the applicant’s experience, safety protocols, and prior loss history. Prime specializes in accounts that may fall outside the appetite of standard markets, including those with past claims or high perceived risk. There is no stated minimum premium, allowing flexibility depending on the scope of operations and risk exposure. Territories and Availability This program is available in all 50 states plus Washington, DC. Whether your client is operating on the Gulf Coast, the Great Lakes, or a mountain lake in the Rockies, Prime has the ability to tailor coverage to meet local and regional needs. Why Work With Prime Insurance Company? As a trusted program administrator, Prime Insurance Company brings deep expertise in high-risk and specialty markets. Agents benefit from: Access to multiple non-admitted carriers Custom underwriting for complex risks Nationwide availability Responsive service and flexible policy design By partnering with Prime, you can place difficult-to-insure water sports accounts with confidence, knowing your clients are getting the coverage they truly need. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include watercraft rental businesses, parasailing operators, jet ski and wakeboard instructors, and other water sports-related operations—even those with prior claims or high-risk activities. Is prior loss history a dealbreaker?No. Prime specializes in underwriting tough risks, including accounts with prior claims or coverage lapses. Each submission is evaluated individually. What coverages are typically included?Policies can include general liability, property coverage, participant accident, and watercraft liability depending on the insured’s specific operations. Is this program available in all states?Yes, this water sports insurance program is available in all 50 states and Washington, DC. Do you offer coverage for hydro flying or flyboarding?Yes. Prime considers many high-risk water sports activities, including hydro flying, flyboarding, and similar operations. Need help placing an account? Connect with a market specialist.

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