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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.

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Colonial General Insurance Agency, Inc. offers a Lessor's Risk Insurance program to help agents place coverage for commercial property owners who lease space to tenants. The program combines Property and Commercial General Liability protection and can be written on a mono-line or packaged basis to match the needs of retail, office, light industrial, or mixed-use properties. Ideal Accounts and Appetite This program is a strong fit for property owners who lease their buildings to commercial tenants. Typical risks include: Retail shopping centers and plazas Office complexes and professional buildings Light industrial or flex buildings Mixed-use commercial properties with retail and office units Examples you might see: a small shopping plaza in California with multiple tenants (including a dry cleaner and a restaurant), or a landlord in Colorado leasing a professional office building. Colonial General’s appetite is focused on conventional leased commercial real estate where landlord controls common areas and seeks coverage for building, loss of income, and liability exposures. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 Per Occurrence / Aggregate $5,000 Medical Payments included Additional interests can be added for $100 each (useful for tenants, lenders) Excess / Umbrella capacity up to $25,000,000 for layering No liability deductible required Property Coverage Options: Basic, Broad, or Special (CP) forms Building and Business Personal Property (contents) Business Income and Extra Expense Replacement Cost or Actual Cash Value settlements Accounts Receivable, Valuable Papers, Computer Equipment Equipment Breakdown and Outside Signs 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 available Underwriting Notes Colonial General places these risks through a mix of admitted and non-admitted markets depending on the state and exposure. Each submission is reviewed to confirm fit and deductible/limit options. Liability typically carries no deductible and the program permits layering with umbrella or excess policies up to $25 million. Provide complete unit-level exposures, tenant use details, and any leasehold or loss-payee/lender requirements at submission to speed placement. Territories and Availability This program is available in the following western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General has extensive market experience in these states and can help you navigate state-specific placement issues. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines underwriting expertise with broad market access. Agents benefit from responsive underwriting, flexible admitted and non-admitted options, and service geared to commercial property risks—whether you are placing a single building or a portfolio of leased properties. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Lessor's Risk Insurance?This program is ideal for property owners who lease commercial buildings such as retail centers, office complexes, light industrial buildings, and mixed-use properties to tenants. Is the program available on an admitted or non-admitted basis?Colonial General places business through both admitted and non-admitted markets depending on the state, carrier appetite, and the specific exposures of the account. What limits are available under the liability portion?Primary liability limits are available up to $3,000,000 per occurrence/aggregate, with excess or umbrella capacity available up to $25,000,000. In which states is this program available?The Lessor's Risk program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can additional insureds or interests be added to the policy?Yes. Additional interests can be added for $100 each to meet tenant, lender, or contract requirements. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Local Freight Hauling Insurance program designed to meet the needs of independent freight operators and small fleet owners. Whether your clients are for-hire or not-for-hire carriers operating within a 500-mile radius, this program provides flexible coverage options and underwriting solutions to help you place business quickly and efficiently. Ideal Accounts and Appetite This program is ideal for local and regional freight haulers operating light to medium-duty trucks and delivering goods within a 500-mile radius. We can accommodate both for-hire and not-for-hire risks, including common classes such as: Owner-operators Small fleet operators Local delivery services Distributors and wholesalers transporting their own products Target accounts typically include those hauling general freight, dry goods, and other non-hazardous cargo. We are not a market for long-haul trucking or operations involving hazardous materials. Coverage Highlights and Advantages Colonial General’s local freight hauling program includes a range of essential coverages tailored to the needs of local carriers: Auto Liability: Limits up to $1,000,000 CSL Cargo Insurance: Limits up to $100,000, including coverage for refrigerated cargo breakdown Physical Damage: Available with deductible options ranging from $500 to $5,000 Radius of Operation: Up to 500 miles per insured unit These coverages are available as part of package policies, making it easier for you to place comprehensive accounts with one source. Underwriting Notes and Market Access Admitted markets are available in some states, and we also have access to non-admitted options depending on state and risk characteristics. Our experienced underwriting team understands the unique risks of local freight operations and can help you navigate submissions efficiently. Carrier availability may vary, but we work with a range of trusted markets to provide competitive options. Territories and Availability This program is available to appointed agents and brokers 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 E&S broker, Colonial General Insurance Agency, Inc. brings decades of experience in transportation and specialty commercial lines. We’re known for fast response times, knowledgeable underwriting, and strong relationships with both admitted and surplus lines carriers. Whether you're helping a new independent contractor get started or need a solution for a seasoned freight hauler expanding their fleet, we can help you secure the right protection quickly. You might have a client who hauls dry goods for regional retailers or another who operates a refrigeration unit transporting produce — both are great fits for our program. Let Colonial General help you grow your transportation book with reliable markets and responsive service. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include local and regional freight haulers operating within a 500-mile radius, such as owner-operators, small fleets, and businesses hauling general freight or dry goods. Is refrigerated cargo covered under this program?Yes, cargo coverage includes protection for refrigerated goods, including refrigeration breakdown, up to a $100,000 limit. Are both for-hire and not-for-hire risks eligible?Yes, the program accepts both for-hire and not-for-hire risks, with package policies that include liability, physical damage, and cargo coverage. Which states is this program available in?This Local Freight Hauling Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is the maximum radius of operation allowed?The program allows operations within a 500-mile radius from the insured’s base of operations. Need help placing an account? Connect with a market specialist.