Search CompleteMarkets

Policy Highlights: Colonial General Insurance Agency, Inc. offers a Swim Club Insurance program tailored for private swim and racquet clubs that operate on a membership basis. The program combines flexible liability and property options and covers clubs that operate seasonally or year-round and that participate in off-site competitions. Agents can use this market to place accounts with on-site amenities such as pools, tennis courts, fitness areas, and snack bars. Ideal Accounts and Appetite This program targets private swim clubs, racquet clubs, and combination facilities that provide recreational and competitive aquatic activities for members. Typical fits include clubs with organized programs, controlled access, trained lifeguards or staff, and routine maintenance schedules. Coverage also extends to clubs that travel for off-site swim meets or competitions. Accounts that are generally not a fit include public municipal pools, large water parks, or facilities with high-risk attractions such as commercial water slides, complex wave pools, or diving platforms beyond standard competitive diving features. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 occurrence and aggregate Included coverages: Medical Payments — $5,000 limit Sexual/Physical Abuse Coverage — $25,000 per claim / $50,000 aggregate Limited Participant Coverage — $25,000 occurrence / $50,000 aggregate Excess or Umbrella limits available up to $25,000,000 No deductible required for primary liability Property Coverage Options: Building and contents Business income and extra expense Computer equipment and electronic data Equipment breakdown Food spoilage for on-site snack bars Outside signs, valuable papers, accounts receivable Replacement cost or actual cash value available Basic, broad, or special forms depending on underwriting Crime Coverage: Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Underwriting Notes and Minimum Premiums Colonial General works with multiple admitted and excess & surplus markets to tailor terms to the account’s exposures and location. Some admitted markets are available depending on state and class of business; otherwise E&S capacity is used for higher-exposure or hard-to-place risks. Each submission is underwritten individually to determine appropriate coverage, limits, and pricing. When preparing submissions, include details on staffing and training (lifeguard certifications), maintenance and safety protocols, incident history, membership size, hours of operation, and any off-site travel for competitions. These items materially affect acceptability and terms. Territories and Availability This Swim Club Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Agents in these states can request mono-line liability, property, or packaged solutions depending on client needs and exposures. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple carriers. Agents benefit from underwriters experienced with recreational facilities, flexible placement options for routine and complex accounts, and responsive service for quote and placement needs. The program is designed to help you place accounts that have unique liability exposures tied to aquatics and racquets. Example accounts you might place with this program: A suburban private swim and tennis club in Colorado that operates seasonally, employs certified lifeguards, and sends teams to regional swim meets. A year-round racquet and swim facility with a small fitness center and snack bar seeking combined liability and property limits on an admitted or E&S basis depending on location. Frequently Asked Questions What types of accounts are a good fit for this program?Private swim and racquet clubs that operate on a membership basis, run organized aquatic or racquet activities, and may participate in off-site competitions are ideal fits. Are off-site competitions covered under this program?Yes. Coverage includes off-site competitions, so clubs that travel for swim meets or similar events can be placed through this program. Is this program available on an admitted basis?Some admitted markets are available depending on the state and risk profile. For higher-exposure or non-admitted placements, Colonial General can access excess & surplus lines carriers. Which states is this program available in?The Swim Club Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. What limits are available under the liability coverage?Primary liability limits are available up to $3,000,000 occurrence and aggregate, with excess or umbrella limits up to $25,000,000. Need help placing an account? Connect with a market specialist.

...ncy, Inc. offers a comprehensive Swimming Pool Lifeguard Insurance program tai...s program?This program is ideal for swimming pool lifeguard services, pool man...

...l General Insurance Agency, Inc. Swimming Pool Contractors Insurance Colonial ...Agency offers a focused program for swimming pool contractors, installers, mai...

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

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Errors & Omissions (E&O) insurance program specifically for insurance agents and brokers. With access to a range of A.M. Best A+ rated admitted and non-admitted carriers, Colonial General can help you place dependable professional liability coverage with competitive pricing and broad terms tailored to agency operations. Ideal Accounts and Appetite This program is designed for retail insurance agents and brokers in the western U.S. who need professional liability protection for their advisory and transactional work. Typical fits include agencies that: Sell personal and commercial lines Provide employee benefits counseling and enrollment services Perform notary public duties or other related professional services Are involved in mutual fund and annuity sales Coverage is also available for independent contractors and temporary staff operating under an agency’s supervision. The program works well for solo practitioners and small agencies with clean loss histories as well as mid-sized agencies that have more specialized exposures. Coverage Highlights and Advantages Colonial General’s E&O policies include a range of features that help protect insureds from claims alleging professional errors, omissions, or negligent acts. Key advantages include: Access to both admitted and non-admitted markets with A+ rated carriers Coverage for independent contractors and temporary staff Protection for mutual fund and annuity sales Broad professional services definition that includes notary public, employee benefits counselor, and insurance agent/broker roles Coverage for care, custody & control of clients’ records Catastrophe extra expense reimbursement Defense costs available both inside and outside the limits Optional "First Dollar Defense" through select carriers Limits of liability from $1 million to $5 million, including split-limit options Low deductible options starting at $2,500 No property damage exclusion Underwriting Notes and Minimum Premiums Underwriting is submission-driven. Colonial General evaluates agency operations, product mix, staffing models (including use of independent producers), and loss history to match the account to the appropriate carrier and form. Minimum premiums start at $1,500, helping keep coverage accessible for smaller firms and solo practitioners. Clean risk histories, complete applications, and timely responses to underwriting questions will speed the quoting process. Territories and Availability This E&O program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General focuses on these western states and understands regional distribution models and regulatory nuances that affect placement. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines specialty commercial-lines expertise with direct access to quality admitted and non-admitted carriers. In-house underwriting and strong carrier relationships allow for flexible solutions, faster turnarounds, and hands-on support from submission through binding. You might have a client who recently added annuity or mutual fund sales and needs E&O coverage that includes financial products — this program can address that exposure. Or you may represent a regional agency with producers operating in multiple western states that requires consistent coverage and reliable claims handling. Colonial General’s markets are structured to accommodate both scenarios. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for retail insurance agencies and brokers offering personal and commercial lines, employee benefits counseling, and financial products such as annuities or mutual funds. Is coverage available for independent contractors?Yes. The program includes coverage for independent contractors working under an agency, which accommodates agencies that use a mix of employees and contracted producers. What are the liability limits and deductible options?Limits range from $1 million to $5 million, with split-limit options available. Deductible choices include low options starting at $2,500; specific availability depends on carrier selection and account details. In which states is this program available?This Errors & Omissions program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is the minimum premium for this program?The minimum premium begins at $1,500, making the program a cost-effective option for smaller agencies and solo practitioners with favorable loss histories. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Janitorial Insurance program designed for janitorial service providers. With access to both admitted and non-admitted markets, Colonial General helps agents place hard-to-insure or niche janitorial accounts across the western U.S., including AZ, CA, CO, ID, NV, NM, UT, and WY. Ideal Accounts and Appetite This program is tailored for small to mid-sized janitorial operations, including: Commercial office cleaning services Interior construction make-ready and post-construction cleaning crews Window cleaning businesses Crime scene and biohazard cleanup services Note: the program is not intended for businesses whose primary operation is debris removal. Coverage Highlights and Advantages Commercial General Liability: Primary limits available up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments — included Blanket Additional Insured endorsement — included Lost Key Coverage — $25,000 limit included Property Damage Extension (Care, Custody & Control) — limits up to $250,000 Occurrence / Aggregate Excess / Umbrella limits — up to $25,000,000 available No GL deductible required in many placements Crime Coverage: Theft of money and securities on premises Robbery or safe burglary of other property Losses occurring off premises Property Coverage: Building, contents, and computer equipment Contractor’s equipment and equipment breakdown coverage Business income and accounts receivable Valuable papers and outside signs Available on Basic, Broad, or Special forms Replacement Cost or Actual Cash Value (ACV) options Inland Marine options for mobile and specialty equipment Underwriting Notes Submissions are evaluated based on operations, territory, loss history, and risk management practices. Colonial General partners with brokers to identify appropriate markets and streamline quoting. Minimum premium requirements may apply depending on the carrier and lines selected. Providing clear details on operations, staffing, and recent loss history will help accelerate placement. Territories and Availability This janitorial insurance program is available to licensed agents and brokers in: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Some carriers within the program write on an admitted basis, while others are non-admitted 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 market access and underwriting expertise for niche commercial programs like janitorial services. Agents benefit from: Competitive coverage options across admitted and E&S markets Flexible mono-line or package policy solutions A strong appetite for specialty cleaning operations, including biohazard and window cleaning exposures Responsive underwriting support and placement service Example scenarios you might place through this program: A regional office cleaning contractor seeking $2M general liability, lost key coverage, and inland marine for mobile floor machines. A small crime-scene cleanup business that needs GL, property for equipment, and crime coverage for on-premises cash handling. Whether you are placing a new venture or an established janitorial contractor expanding services, Colonial General can help you secure tailored protection to manage liability, property, and crime exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for janitorial service providers including commercial cleaners, window cleaning companies, interior construction prep crews, and crime scene cleanup businesses. Debris removal operations are not eligible. Is this program available on an admitted basis?Some markets in the program are admitted, while others are non-admitted; availability depends on the state and the risk profile. Can I write just liability or property coverage?Yes. The program supports both mono-line (liability or property) and package policy options to meet your client’s needs. What is included in the general liability coverage?GL coverage can include up to $3M limits, medical payments, blanket additional insured endorsement, lost key coverage, and a property damage extension for care, custody, and control. Which states is the program available in?Colonial General offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Policy Highlights for Limousine Insurance: Colonial General Insurance Agency, Inc. offers a flexible Limousine Insurance program designed specifically to help agents and brokers place livery and chauffeur-driven transportation accounts. Backed by deep regional market knowledge and responsive underwriting, our team helps you secure tailored coverage, competitive terms, and solutions for both routine and complex operations. Ideal Accounts and Appetite This program targets licensed, commercially insured limousine operations including private executive transportation, special-event limos, airport transfer providers, and corporate chauffeur services. We work with small stretch-limo operators as well as larger fleets of luxury sedans and SUVs. Preferred submissions have consistent business operations, properly maintained vehicles, and clean driving records. New ventures may be considered on a case-by-case basis when driver training, vehicle maintenance, and safety procedures are clearly documented. Example scenarios that often fit well: A regional airport transfer operator with a mixed fleet of sedans and SUVs seeking liability and physical damage limits tailored to multi-zone operations. A small executive limousine company operating stretch limos for events and corporate accounts requiring higher liability limits based on seating capacity. Coverage Highlights and Advantages Colonial General's Limousine Insurance program offers customizable coverages to meet state and federal requirements and the specific exposures of chauffeur-driven transportation: Liability limits available up to $1,000,000 CSL Coverage to meet state/federal requirements by seating capacity — total limits up to $1.5 million Physical damage coverage with deductibles from $500 to $5,000 Radius options up to 500 miles to accommodate regional operations Cargo coverage up to $100,000, including refrigerated goods in transit Policies can be structured to reduce gaps between commercial auto, cargo, and hired/non-owned exposures so your clients operate with clearer protection and manageable risk transfer. Underwriting Notes and Minimum Premiums We place business across admitted and non-admitted markets depending on carrier availability and state rules. Underwriting focuses on driver qualifications, vehicle condition and maintenance records, loss history, and operational controls such as scheduling and dispatch procedures. Minimum premium requirements vary by carrier and risk characteristics. For a specific account, contact our underwriting team with a complete submission so we can evaluate markets and provide prompt proposals. Territories and Availability This program is currently available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Our regional focus gives us practical knowledge of state-level regulatory expectations and common exposures across the Western U.S. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to multiple admitted and E&S carriers and experienced underwriters who specialize in specialty transportation risks. We emphasize fast, transparent communications and practical placement strategies so you can close business with confidence. Whether you're submitting a straightforward airport transfer account or a specialized event-limo operation with unique exposures, our team can help identify appropriate markets, structure coverage, and deliver timely quotes. If you need assistance placing limousine business in the Western U.S., Colonial General's market specialists are available to review submissions and recommend solutions. Frequently Asked Questions What types of accounts are a good fit for this limousine insurance program?Licensed limousine services offering private, executive, event-based transportation, airport transfers, and corporate chauffeur services are a good fit. We handle small and mid-size fleets as well as specialized high-capacity vehicles when appropriate controls are in place. Are new ventures eligible for coverage?Yes. New ventures are considered on an individual basis. Successful submissions typically include driver hiring and training records, vehicle maintenance plans, and a clear operations plan. What is the maximum liability limit available?Liability limits are available up to $1,000,000 CSL, and total limits can be placed up to $1.5 million when required by seating capacity or regulatory mandates. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Do you offer both admitted and non-admitted options?Yes. We can place accounts in admitted or non-admitted markets depending on carrier appetite, state rules, and the specific risk profile. Need help placing an account? Connect with a market specialist.

Policy Highlights for Lawyers Insurance: Colonial General Insurance Agency, Inc. offers a Lawyers Insurance program designed for agents and brokers who place professional liability for law firms across the Southwest. Colonial General works with a panel of admitted and non-admitted markets to provide flexible coverage options for new and established firms, solo practitioners, part-time or moonlighting attorneys, and newly admitted lawyers. Our underwriting relationships and loss-prevention resources help you secure market capacity for a broad range of practice sizes and common areas of law. Overview of the Program From Colonial General This Lawyers Insurance program provides access to leading professional liability carriers that understand legal practice exposures. Coverage forms and limits vary by carrier, with common features offered across the panel including disciplinary proceedings coverage, loss-only deductibles, first-dollar defense options, and claim expense outside the limits. Colonial General acts as a Managing General Agency and Excess & Surplus Lines broker, placing accounts in admitted and surplus markets as appropriate. Ideal Accounts and Appetite Solo attorneys and small to mid-sized law firms. Newly formed firms and recently admitted attorneys. Part-time, moonlighting, or of-counsel attorneys needing tailored coverage. General civil practice areas and many specialty practices—subject to underwriting review. Accounts with routine civil litigation, transactional work, family law, real estate, estate planning, and general corporate services often fit well. Firms with extensive regulatory, securities, or large mass-tort exposures may require specific carrier appetite checks. Coverage Highlights and Advantages Limits available up to multi-million dollar levels depending on carrier (panel includes options commonly up to $5M; select markets may offer higher capacity). Disciplinary proceedings coverage to help manage regulatory exposures. Loss-only deductible structures and First Dollar Defense options. Claims Expense Outside the limits available on many programs. Loss prevention programs and resources to help reduce claim frequency and severity. Underwriting Notes and Submission Tips Underwriters evaluate practice area mix, attorney headcount, revenue, claims and disciplinary history, and risk management practices. To accelerate review, include: Current application and firm roster with dates admitted to the bar; Five-year loss run or claims history; Description of high-exposure matters (if any) and any risk management practices; Details on moonlighting/part-time arrangements where applicable. Limits, deductibles, and specific coverage endorsements depend on carrier availability. Colonial General can quote admitted or non-admitted options where available; confirm state placement requirements when writing surplus lines. Territories and Availability Program availability includes: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available depending on state and carrier; when admitted capacity is limited, E&S placement is used to secure broader coverage options. Why Work With Colonial General on Lawyers Insurance Deep regional experience—Colonial General insures thousands of law firms in the Southwest and has established carrier relationships that understand legal exposures. Flexible placement—ability to access both admitted and excess & surplus markets to match client needs. Loss control support—programs and resources to help reduce the likelihood and cost of claims. Responsive underwriting—specialized underwriting for new, part-time, and newly admitted attorney accounts. Example accounts that fit this program A three-attorney real estate and estate planning firm with clean loss history seeking $1M/$1M limits and disciplinary proceedings coverage. A newly formed solo practitioner recently admitted to the bar who moonlights part-time and needs a tailored policy with a lower-dollar deductible and access to loss prevention resources. Frequently Asked Questions What types of law firms are a good fit for Colonial General’s Lawyers Insurance program?Small to mid-sized firms, solo practitioners, newly formed firms, part-time attorneys, and newly admitted lawyers are core targets. Firms practicing routine civil litigation, real estate, family law, estate planning, and general transactional work typically fit well—subject to underwriting review. Are admitted policies available or is coverage only placed as surplus lines?Colonial General places business in both admitted and surplus markets where available. Some carriers on the panel write admitted paper in specific states; when admitted capacity isn’t available, excess & surplus placement is used. What coverage features and limits can I expect to offer clients?Common features include disciplinary proceedings coverage, loss-only deductible options, First Dollar Defense, and claims expense outside the limits. Limits vary by carrier and account, commonly up to $5M, with select markets offering higher capacity. What submission information helps get a faster decision?Provide a completed application, firm roster with bar admission dates, five-year loss runs, and a summary of any high-exposure matters. Clear information on part-time or moonlighting arrangements helps underwriters assess risk quickly. Which states does this program serve?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted vs. surplus markets varies by state and carrier. Need help placing an account? Connect with a market specialist.

Landowners Insurance Program from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a flexible Landowners Insurance program for agents and brokers placing risks involving vacant or undeveloped land, real estate development sites, and acreage leased to third parties. As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple admitted and non-admitted markets across the western U.S. This program is designed for insureds who own land with little or no physical improvement or who lease acreage for farming, grazing, hunting, mineral extraction, parking, or other uses. Colonial General’s broad underwriting appetite and access to higher liability capacity help you place accounts that may not fit standard markets. Ideal Accounts and Target Risks This program is tailored for property owners with the following types of land: Vacant land held for investment or future development Undeveloped land used for recreational purposes (hiking, fishing, camping) Land leased to others for grazing, farming, hunting, parking, or similar uses Real estate development sites awaiting construction Land used for commercial activities such as strip mining or quarries Example fits: a client who owns 100 acres leased seasonally for cattle grazing, or an investor holding multiple undeveloped parcels intended for resale or future construction. Coverage Highlights and Advantages Policy Highlights: Coverage is available for vacant land, development property, and land leased to others. Tenant uses can include grazing, hunting, camping, fishing, parking, farming, hiking, cross-country skiing, strip mining, quarries, and similar activities. When tenants occupy the land, they should maintain their own insurance and name the owner as an additional insured. Commercial General Liability coverage available: Primary limits up to $3,000,000 occurrence / aggregate $5,000 Medical Payments — included Additional interests — $100 each Excess/umbrella capacity up to $25,000,000 No deductible required on many placements Underwriting Notes and Minimum Premiums Colonial General works with a range of carriers to structure coverage that matches the land use and exposure. While a single minimum premium is not specified, accounts with clear, documented land use and tenant agreements place more efficiently. Underwriting will evaluate acreage, access, proximity to public areas, known hazards, and tenant operations. Submissions should include land location, acreage, intended use, a description of tenant activities, and copies of any tenant agreements. Evidence of tenants’ insurance and requests to add the landowner as an additional insured will help speed placement. Territories and Availability This Landowners Insurance program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states; other placements may require excess & surplus solutions through Colonial General’s E&S capabilities. Why Work with Colonial General Insurance Agency? Colonial General brings niche expertise placement for non-standard property and liability risks across the western U.S. As an MGA and E&S broker, they offer access to multiple markets and flexible underwriting for vacant land, leased acreage, and development sites. Their team assists agents and brokers with submission requirements and can help structure liability and excess layers for higher-limit needs. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts involving vacant land, undeveloped parcels, or land leased for grazing, farming, hunting, or similar uses are ideal. Real estate development sites awaiting construction are also eligible. Can the land be leased to tenants for commercial activities?Yes. Land leased for activities like strip mining, quarries, or agriculture can be covered. Tenants should provide proof of insurance and name the landowner as an additional insured when requested by underwriting. Are there restrictions on land size or location?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Underwriters will consider acreage, use, and location when evaluating a risk; there is flexibility on size but each account is reviewed on its facts. Is this program available through admitted carriers?Some admitted markets are available depending on state and risk profile. Colonial General also places eligible business in non-admitted markets via its E&S relationships. What documents are needed to submit a quote?Provide land location, acreage, intended and historical use, tenant agreements, and any known loss history. Including tenant insurance details and requests for additional insured status accelerates underwriting. Need help placing an account? Connect with a market specialist.

Policy Highlights for Liquor Liability Insurance: Colonial General Insurance Agency, Inc. offers a focused Liquor Liability Insurance program for licensed businesses that sell or serve alcohol. The program helps independent agents and brokers place liquor liability coverage for a wide range of accounts, including restaurants, bars, taverns, nightclubs, convenience and grocery stores, hotels and motels, package/liquor stores, special events, breweries, wineries, and alcohol manufacturers or distributors. Ideal Accounts and Appetite This program fits accounts that maintain strong alcohol-service controls and where staff complete alcohol-awareness/server training (for example, TIPS or TOPS). Underwriters prefer risks with a mature customer base (majority over age 30) and where liquor sales are a smaller portion of total revenue (typically under 25%). Example accounts that typically qualify include: A family-owned restaurant with a beer-and-wine license and trained waitstaff A wine-tasting room with limited hours and strict ID-checking procedures A community event organizer operating a licensed beer garden staffed by trained volunteers Coverage Highlights and Advantages Colonial General’s Liquor Liability program is available as a mono-line policy or as part of a package. Key features include: Primary limits up to $3,000,000 per occurrence and $3,000,000 aggregate No deductible required Excess or umbrella limits available up to $25,000,000 (umbrella not available for mono-line policies) Additional interests can be added for $100 each Assault and Battery limited liability coverage included for bars and taverns, with $25,000 per event / $50,000 aggregate limits Underwriting Notes and Minimum Premiums Alcohol server training (TIPS, TOPS) is strongly preferred and may be required Underwriters favor businesses with mature clientele and low liquor-to-total-sales ratios Eligible accounts may qualify for credits based on controls and loss history Low minimum premiums make this program accessible to many small and mid-sized hospitality operations. Final pricing depends on risk characteristics, state rules, and coverages selected. Territories and Availability This Liquor Liability program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some states offer admitted markets; other placements may be written on a non-admitted basis depending on eligibility and carrier availability. Why Work With Colonial General Insurance Agency, Inc.? As an experienced Managing General Agency and Excess & Surplus Lines broker, Colonial General combines specialty underwriting expertise with access to multiple carrier markets. Agents benefit from responsive underwriting, flexible limit options, and assistance placing hard-to-place or unusual liquor liability risks. Colonial General focuses on practical risk controls and partner service to help you place accounts efficiently and competitively. To learn more about this program or to view additional markets, visit the Colonial General Insurance Agency, Inc. profile. Frequently Asked Questions What types of accounts are a good fit for this Liquor Liability program?Restaurants, bars, taverns, nightclubs, package/liquor stores, tasting rooms, breweries/wineries, and licensed event operators with trained staff and documented alcohol-service procedures are good fits. Is the program available as a mono-line policy?Yes. Liquor Liability can be written mono-line or as part of a package. Note that umbrella coverage is not offered for mono-line policies. What coverage limits are available?Primary limits are available up to $3 million per occurrence and $3 million aggregate. Excess and umbrella capacity can extend up to $25 million where eligible. What underwriting characteristics improve a submission’s chances?Submissions showing staff alcohol-server training (TIPS/TOPS), strong ID and service controls, low liquor-to-total-sales ratios (under ~25%), and mature clientele generally receive favorable consideration. Which states are eligible for this program?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may be admitted or non-admitted depending on the state and carrier. Need help placing an account? Connect with a market specialist.