Search CompleteMarkets

Policy Highlights for Swimming Pool Management Insurance: Colonia...s program?This program is ideal for swimming pool management companies, mainte...

Swimming Pool Maintenance Insurance Program f...ing them to place complex or unique swimming pool service exposures. Need he...

Swimming Pool Dealers and Installers Insuranc...s program?This program is ideal for swimming pool contractors, dealers, instal...

...ogram and many more tailored for swimming pool contractors. Writing this class...s program?This program is ideal for swimming pool contractors, general contrac...

Racquet Club Insurance Program from Colonial General Insurance Agency Colonial General Insurance Agency, Inc. offers a specialized Racquet Club Insurance program designed for private swim and racquet clubs that operate on a membership basis. Whether your clients host on-site activities or participate in off-site competitions, this program provides the comprehensive property and liability coverage they need. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has access to a range of markets (including some admitted options) to help you place business efficiently across several Western states. Ideal Accounts and Program Appetite This program is tailored for private racquet and swim clubs that offer organized recreational or competitive activities for members. Suitable accounts may include: Private tennis or racquetball clubs with indoor or outdoor courts Swim and racquet clubs with clubhouses, snack bars, or pro shops Facilities that host lessons, tournaments, or leagues on-site or off-site Clubs should be membership-based and primarily focused on racquet or swim-related activities. Facilities with ancillary amenities, such as gyms or snack bars, may also be considered if they are incidental to the club’s core operations. Coverage Highlights and Advantages Policy Highlights: Coverage is available on a mono-line or package basis, offering flexibility based on your client’s needs. Off-site competitions are included in the liability coverage, expanding the protection beyond the club’s premises. Commercial General Liability Coverage Includes: Primary liability limits up to $3,000,000 Occurrence / Aggregate Medical Payments – $5,000 limit Sexual/Physical Abuse – $25,000 per Claim / $50,000 Aggregate Limited Participant Coverage – $25,000 Occurrence / $50,000 Aggregate Excess/Umbrella limits available up to $25,000,000 No deductible required Property Coverage Options: Building, Contents, and Business Income Equipment Breakdown and Food Spoilage Computer Equipment and Outside Signs Accounts Receivable and Valuable Papers Replacement Cost or Actual Cash Value options Basic, Broad, or Special Form coverage types Crime Coverage Includes: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property (Inside the Premises) Theft and Robbery (Outside the Premises) Underwriting Notes Colonial General evaluates each account individually and can tailor coverage to meet the specific operations of the club. While no minimum premium is listed, pricing is market-competitive and aligned with the risk profile of each submission. The lack of a deductible on the liability portion adds value, especially for smaller clubs managing tight budgets. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General offers access to several carriers across both admitted and non-admitted markets where available. Why Work with Colonial General? With extensive experience in niche recreational risks, Colonial General offers agents and brokers a streamlined way to place racquet and swim club accounts. Their underwriting team understands the unique exposures associated with athletic facilities and provides responsive service and flexible solutions. Whether you’re placing a long-standing club in need of better coverage terms or helping a new facility get off the ground, Colonial General is a strong partner for these types of risks. Visit the Colonial General Insurance Agency, Inc. profile to learn more or start a submission today. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for private swim and racquet clubs that operate on a membership basis and offer organized recreational or competitive activities. Is coverage available for off-site competitions or tournaments?Yes, liability coverage includes off-site competitions, making it suitable for clubs that host or participate in events away from their primary location. Are both property and liability coverages available?Yes, coverages can be written on a mono-line or package basis, including property, general liability, and optional crime coverage. In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Do accounts need to meet a minimum premium?There is no stated minimum premium, but pricing is based on the size, scope, and operations of the individual account. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers specialized insurance solutions for farm equipment sales and repair operations through its Commercial Garage program. This program is designed to help agents place coverage for clients who sell, service, or repair farm equipment and related machinery. With access to a variety of carriers and some admitted markets, Colonial General provides flexible underwriting and tailored protection for this niche class of business. Ideal Accounts and Appetite This program is an excellent fit for businesses involved in the sale and repair of motorized farm equipment. Eligible risks typically include: Farm equipment dealerships Repair shops servicing agricultural machinery Businesses that tow or transport farm equipment Note: Non-motorized equipment sales or repair operations do not qualify for this program. You might have a client who operates a regional dealership selling tractors and combines, or a repair shop that services field machinery—these are the types of accounts that fit Colonial General’s appetite well. Coverage Highlights and Advantages Colonial General’s Farm Equipment Sales Insurance program includes robust coverage options designed to address the unique exposures in this sector: Garage Liability Limits up to $1,000,000 per accident $3,000,000 Aggregate Liability Limit $5,000 Medical Payments Broadened coverage endorsements Dealers Physical Damage False Pretense Coverage Fire Legal Liability Garage Keepers Coverage on a primary basis with specified causes of loss In-Transit Coverage for towing operations Property coverage options available These coverages help protect your clients from costly legal and physical damage exposures, whether they’re transporting equipment, storing customer property, or offering repair services. Underwriting Notes and Minimum Premiums Colonial General underwrites this program through various carrier partners, allowing for flexibility in terms and pricing. While minimum premium information is not specified, the program is competitively structured to accommodate a wide range of account sizes. Submissions should include complete operational details, including equipment types handled and services offered. Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Admitted markets may be available in select jurisdictions. Contact Colonial General for state-specific availability and underwriting guidelines. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep experience in niche commercial programs, including garage and equipment-related risks. Their commercial garage department offers responsive underwriting, access to multiple markets, and product knowledge that can help you secure hard-to-place accounts in the farm equipment sector. By partnering with Colonial General, agents benefit from personalized service, market flexibility, and a focused approach to specialized risks. Frequently Asked Questions What types of accounts are a good fit for this program?Farm equipment dealerships, repair shops for motorized agricultural machinery, and operations involving towing or transporting farm equipment are ideal candidates. Is non-motorized equipment eligible for coverage?No, businesses that primarily handle non-motorized equipment are not eligible for this program. What coverage limits are available under this program?The program offers liability limits up to $1,000,000 per accident and $3,000,000 aggregate, along with options like Garage Keepers, Dealers Physical Damage, and more. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does Colonial General offer admitted markets for this program?Yes, some admitted markets are available depending on the state and specific risk profile. Need help placing an account? Connect with a market specialist.

Policy Highlights: Farm equipment repair shops carry specialized risks that require tailored insurance solutions. Colonial General Insurance Agency, Inc. offers a dedicated Farm Equipment Repair Shop Insurance program through its commercial garage department, specifically designed to address the exposures faced by businesses involved in the repair and sales of agricultural equipment. Overview of the Program From Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to multiple markets, offering flexible and competitive solutions for farm equipment repair operations. This program provides comprehensive commercial garage coverage to help protect your clients from liability, property damage, and equipment-related risks commonly associated with this niche industry. Ideal Accounts and Appetite This program is ideal for businesses that specialize in the repair, maintenance, and sale of farm equipment. Target accounts include: Independent farm equipment repair shops Small to mid-sized agricultural equipment dealers with onsite service facilities Mobile repair units servicing farm machinery Note: Non-motorized equipment operations are not eligible for this program. Coverage Highlights and Advantages Colonial General’s Farm Equipment Repair Shop Insurance program includes broad protection to meet the unique needs of this class of business. Coverage highlights include: Garage Liability Limits up to $1,000,000 per accident $3,000,000 General Liability Aggregate $5,000 Medical Payments Broadened Coverage Endorsements Dealers Physical Damage False Pretense Coverage Fire Legal Liability Garagekeepers Coverage on a Primary Basis with Specified Causes of Loss In-Transit Coverage for Towing Operations Optional Property Coverage available Underwriting Notes and Minimum Premiums Colonial General underwrites each account based on business operations, loss history, and location. While minimum premium information is not specified, agents can expect competitive pricing through access to both admitted and non-admitted markets, depending on the risk profile. Accounts involving mobile service or on-site repairs with appropriate safety measures in place are typically strong fits. 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) Why Work With Colonial General With decades of experience in niche commercial programs, Colonial General provides agents with access to tailored coverage options for hard-to-place risks. The commercial garage team understands the operational nuances of farm equipment repair shops and offers responsive service, customized underwriting, and access to a range of carriers to help you place business confidently. Whether your client runs a rural repair shop servicing tractors or a regional dealership with multiple service bays, Colonial General has the tools and expertise to support your placement needs. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts are farm equipment repair shops and agricultural equipment dealers that offer repair and maintenance services. Mobile service providers may also qualify. Is coverage available for non-motorized equipment repair?No, this program does not provide coverage for non-motorized equipment operations. Can I access admitted and non-admitted markets through this program?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the specific risk and location. What is included in the Garagekeepers Coverage?The program offers Garagekeepers Coverage on a primary basis with specified causes of loss to protect your client's customers’ vehicles while in their care. In which states is this program available?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Flea Market Insurance program designed for owners and operators of flea markets, swap meets, bazaars, antique marts, farmers' markets, and merchandise markets. This program is ideal for venues where vendors rent space to sell new or used goods. With flexible monoline or package options, this program helps protect your clients from property damage, liability claims, and crime-related losses common in these busy, high-foot-traffic environments. Ideal Accounts and Appetite This program is tailored for property owners or operators who lease booth or stall space to multiple vendors. Ideal risks include: Indoor or outdoor flea markets Weekend swap meets or bazaars Permanent or seasonal farmers’ markets Antique malls and collectible markets New merchandise marts Accounts with organized vendor agreements, established loss control measures, and consistent risk management practices are preferred. The program is not designed for individual vendors or markets with high-hazard exposures such as amusement rides or live entertainment stages. Coverage Highlights and Advantages Colonial General's Flea Market Insurance program offers robust coverage options tailored to the unique risks of multi-vendor marketplaces. Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 Occurrence/Aggregate (Products/Completed Operations excluded by CG2104) $5,000 Medical Payments—Included Excess or Umbrella limits available up to $25,000,000 $500 minimum deductible Property Coverage Options: Building and Contents Business Income Equipment Breakdown Computer Equipment Outside Signs Replacement Cost or Actual Cash Value Inland Marine Accounts Receivable Valuable Papers Basic, Broad, or Special Form options Crime Coverage Options: 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 The program is available through both admitted and non-admitted markets, depending on the risk profile and state. Colonial General works with a variety of carriers to provide flexible underwriting solutions. While minimum premium requirements vary, the program is designed to accommodate a wide range of small to midsize accounts. Territories and Availability This Flea Market Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has strong regional expertise in these Western states and understands the market dynamics specific to each territory. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings specialized knowledge and market access to niche programs like flea markets and swap meets. Their experienced underwriters understand the operational needs and liability exposures unique to these businesses. Agents benefit from fast turnaround times, flexible coverage structures, and access to both admitted and non-admitted carriers. You might have a client who owns a weekend farmers' market in Utah or manages a year-round antique mall in California—this program can provide the tailored protection they need. Colonial General makes it easier for you to place this specialized business with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include flea markets, antique malls, swap meets, farmers’ markets, and new merchandise venues where space is rented to multiple vendors. Can this program cover both property and liability?Yes, coverage is available on a monoline or package basis, including options for property, general liability, and crime coverage. Is this program available in all states?No, it is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted carriers used?Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and state. Can I write coverage for an outdoor seasonal market?Yes, outdoor and seasonal markets are eligible if they meet underwriting guidelines and have appropriate vendor controls in place. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a Flea Market Vendor Insurance program designed for agents placing vendors who operate in temporary or mobile retail environments. Whether a client sells from a pushcart, kiosk, table, or temporary booth, this program provides flexible coverage options through a range of admitted and non-admitted markets to fit seasonal and mobile operations. Ideal Accounts and Appetite This program is a fit for independent vendors selling merchandise, crafts, collectibles, or prepared food at flea markets, swap meets, seasonal events, pop-up venues, and similar locations. It addresses common exposures such as customer injuries, property damage, and product-related claims with tailored coverage options designed for short-term and mobile setups. Target accounts include: Mobile vendors operating push carts, food carts, or kiosks Temporary booth operators at flea markets, farmer’s markets, and pop-up events Vendors selling general merchandise, apparel, handmade goods, collectibles, or food items Accounts with high-hazard operations—such as amusement rides, large-scale food processing, fireworks, or heavy manufacturing—typically fall outside the program’s appetite. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $3,000,000 (Occurrence / Aggregate) Liquor Liability available for eligible vendors Additional Insureds included at no extra charge to meet venue or event requirements $5,000 Medical Payments included Excess or Umbrella liability available with limits up to $25,000,000 Property Coverage Options Basic, Broad, or Special form coverage Options for Buildings, Contents, and Business Income Equipment Breakdown and Inland Marine available for mobile equipment and stock-in-transit Replacement Cost or Actual Cash Value valuation Scheduled Property Floater available for mobile equipment, displays, and inventory Underwriting Notes and Minimum Premiums Colonial General places flea market vendor business with a variety of carriers to provide flexible underwriting. Minimum premiums and program availability vary by market and by the risk’s characteristics. Submissions should include a completed application plus a clear description of the vendor’s operations, products sold, frequency and locations of events, and any food-handling practices. Territories and Availability This Flea Market Vendor Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Both admitted and non-admitted market options are accessible depending on the state, carrier, and specific risk profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents with marketplace access and underwriting expertise for niche commercial programs. Their distribution and carrier relationships help place hard-to-bind or non-standard vendor accounts efficiently. The program’s flexibility—additional insureds at no cost, inland marine for mobile stock, and liquor liability options—makes it practical for agents working with seasonal and mobile vendors. Example scenarios that fit well: You might have a client who sells handmade jewelry at weekend markets across multiple states; scheduled floater and inland marine can protect inventory while in transit. A small food-vendor operating a pushcart at farmers' markets may need short-term liability with optional liquor liability for certain events and business income if a covered shutdown occurs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for vendors operating at flea markets, swap meets, farmers' markets, and temporary events—especially those using kiosks, carts, or booths to sell general merchandise, crafts, or food. Is Liquor Liability coverage available?Yes. Liquor Liability is available for eligible vendors when alcohol service or sales are part of the operation and the carrier appetite allows it. Are Additional Insureds included in the policy?Yes. Additional Insured status is included at no extra cost, which helps agents meet venue, promoter, or landlord insurance requirements. Can I access this program in multiple states?Yes. The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY, with both admitted and non-admitted options depending on the specific market and risk. What documents are needed for a submission?Provide a completed application, detailed description of operations, list of products sold, typical event locations and schedules, and any food-handling procedures. Photos of the setup and a schedule of valued property are helpful when requesting inland marine or scheduled floater coverage. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers Property and Liability coverages—available on a monoline or package basis—designed for food manufacturing and processing operations within specified classifications. Overview of the Program from Colonial General Insurance Agency, Inc. This program is built for independent agents and brokers who need reliable markets for food manufacturers and processors. Colonial General places accounts through admitted and excess & surplus markets (Some Available Markets / Varies by carrier), giving you options for accounts that require standard admitted paper or more flexible E&S placement. The program combines industry-aware underwriting with capacity for higher limits and specialty coverage features relevant to food risks. Ideal Accounts and Appetite Small to mid-size food manufacturers and processors operating under specified classifications. Typical fits include bakeries and packaged baked goods, snack and confectionery producers, dairy and cheese processors, beverage bottlers, canned and frozen food processors, and similar manufacturers of consumer food products. Good candidates have documented food safety and sanitation programs, routine equipment maintenance (especially refrigeration), and reasonable loss histories. Accounts with ongoing or unresolved contamination/recall histories may require referral to specialty carriers. Coverage Highlights and Advantages Key liability and property features under this Colonial General program include: Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate. Hired and Non-Owned Auto and Liquor Liability where applicable. $5,000 Medical Payments—Included. Vendors Additional Insured status available. Limited Product Withdrawal Expense—$5,000 limit—Included. Excess / Umbrella capacity up to $25,000,000 to broaden limits and aggregate protection. Crime coverage options: Inside the Premises—Theft of Money and Securities. Inside the Premises—Robbery or Safe Burglary of Other Property. Outside the Premises coverage. Property coverages commonly available: Accounts Receivable, Building, Contents, and Computer Equipment. Basic, Broad, or Special form property wording; Replacement Cost or Actual Cash Value options. Business Income and Equipment Breakdown. Food Spoilage—$5,000 limit—Included (higher limits available on request). Outside Signs and Valuable Papers. Underwriting Notes and Submission Guidance Provide current loss runs, a description of production processes, revenue by product line, and details on refrigeration/redundancy and food safety programs. Underwriters evaluate product handling, storage temperatures, supplier controls, recall plans, and prior recall history. Accounts with complex chemical processing, on-site slaughter operations, or significant prior contamination losses may face tighter terms or referral to specialty carriers. Minimum premiums and specific terms vary by carrier and state — contact Colonial General for current appetite and target pricing guidance. Territories and Availability This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, WY. Placement may be admitted in some states and non-admitted (E&S) through other markets depending on the account characteristics and carrier appetite. Why Work with Colonial General on Food Manufacturing Business Access to multiple carrier markets (both admitted and E&S) through a managing general agency and excess & surplus lines broker. Program structure that includes food-specific features such as included food spoilage and limited product withdrawal expense. Capacity for elevated umbrella limits (up to $25M) to support accounts with larger liability needs. Underwriting that focuses on the practical exposures of food manufacturing—helping you place accounts efficiently with appropriate coverage forms. Example Account Scenarios You have a regional bakery producing packaged breads and pastries sold to retail chains—seeking property, GL, spoilage coverage and a vendors additional insured endorsement. This program can provide monoline property with food spoilage limits and GL limits up to $3M. A mid-size beverage bottler with refrigerated storage and refrigerated delivery—needs equipment breakdown, spoilage, and umbrella protection. Colonial General can access E&S capacity and excess limits to build a tailored tower. Frequently Asked Questions What types of food manufacturing accounts are a good fit for this program?Small to mid-size manufacturers and processors in specified classifications—examples include bakeries, snack and confectionery producers, dairy and cheese processors, beverage bottlers, and canned or frozen food processors—are generally a good fit when they have documented food safety controls and routine maintenance programs. What limits and specialty coverages are available?Commercial General Liability is available with primary limits up to $3,000,000 occurrence and aggregate, and excess/umbrella capacity up to $25,000,000. Property features include business income, equipment breakdown, and food spoilage (standard $5,000 included; higher limits available). Are placements admitted or non-admitted?Colonial General works with a mix of admitted and E&S markets. Availability depends on the state and the specific risk; some markets are admitted where product and jurisdiction allow, and E&S options are used for harder-to-place or higher-exposure accounts. What should I include with a submission to speed underwriting?Include current loss runs, revenue by product line, descriptions of production and storage processes (especially refrigeration), food safety and recall plans, and photos of facilities if available. These items help underwriters assess exposure and provide quicker, more accurate indications. Need help placing an account? Connect with a market specialist.