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... the needs of independent grocery stores, convenience stores, and small food retailers. This progr...re feet?This program is designed for stores 3,000 square feet or less. Larger ...

...ghts for Medical Equipment Supply Stores Insurance: Colonial General Insuranc...Medical equipment rental and leasing stores Home health equipment dealers an...

...bays Self-service gas stations Tire dealers and installers Public parkin...t for this program?Auto repair shops, tire dealers, car washes, quick lube cen...

...ghtclubs, convenience and grocery stores, hotels and motels, package/liquor stores, special events, breweries, wineries,... taverns, nightclubs, package/liquor stores, tasting rooms, breweries/wineries...

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Policy Highlights: Boating is a passion for many, but operating a boat engine repair shop, storage facility, or mobile marine service brings specialized liability and property exposures. Colonial General Insurance Agency, Inc. offers a focused Boat Engine Repair Insurance program to help agents place coverage for these niche marine service risks quickly and efficiently. Overview of the Program From Colonial General Colonial General is a managing general agency and excess & surplus lines broker with deep market relationships across the Western U.S. This Boat Engine Repair Insurance program is designed for businesses that service, store, maintain, or transport boats and marine engines. The program combines broad garage and garagekeepers coverages with optional property and in-transit protections to meet the needs of small repair shops through larger multi-bay marine service centers. Ideal Accounts and Appetite This program fits a range of marine service operations, including: Boat engine repair shops and independent marine mechanics Marine service garages and multi-bay repair facilities Boat storage yards and winterization facilities Boat dealerships with in-house service departments Mobile marine service providers and towing/tow-repair operators Typical acceptable operations include engine diagnostics, mechanical repairs, routine maintenance, winterization, and transport/towing of customer vessels. Risks that perform major structural alterations to hulls or install nonstandard aftermarket modifications may require additional underwriting review. Coverage Highlights and Advantages Colonial General markets a robust commercial garage program tailored for marine exposures. Key features include: $3,000,000 aggregate liability capacity Garage liability limits up to $1,000,000 per accident $5,000 medical payments Garage Keepers coverage on a primary basis (specified causes of loss) In-transit coverage for towing and mobile service operations Dealers physical damage and false pretense coverage Fire legal liability and broadened coverage endorsements Optional property coverage to protect buildings, equipment, and business personal property These options let you tailor limits and coverages to fit a client’s operations—whether a single-bay mechanic or a dealer with multiple service lifts and storage racks. Underwriting Notes and Minimum Premiums Colonial General works with admitted and non-admitted markets depending on state and risk characteristics. Underwriters look for clear descriptions of operations, up-to-date safety practices, and complete loss histories. Clean loss runs and documented safety programs (lift procedures, secure storage, towing protocols) typically produce the most competitive terms. Minimum premium requirements vary by carrier and state; the underwriting team is willing to review small and mid-size accounts as well as more complex risks. Provide detailed submissions that describe tow radius, storage capacity, number of bays, and whether customer vessels are stored indoors or outdoors. Territories and Availability The program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states; non-admitted options can be used for harder-to-place risks. Why Work With Colonial General? Colonial General brings decades of specialized underwriting and broad market access for garage and marine service exposures. Agents benefit from fast turnaround, responsive underwriting, and the ability to place both standard and more complex marine service accounts. The MGA’s experience placing garagekeepers, in-transit, and dealers physical damage coverage makes it a practical option when your client’s operations include repair, storage, or towing. Have a client that needs coverage? Connect with a market specialist to discuss submission requirements or request a quick quote: Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for boat engine repair shops, marine mechanics, boat storage facilities, and boat dealers with service operations. Is Garage Keepers coverage included?Yes. Garage Keepers coverage is available on a primary basis for specified causes of loss to protect customers’ boats while in the insured’s care, custody, and control. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can towing operations be covered?Yes. In-transit coverage for towing and mobile service operations is available, which makes this a good fit for mobile marine technicians and tow/recovery services that handle customer boats. Are boat dealers eligible for this program?Yes. Dealers with service departments and on-site repair operations are eligible, including dealers who provide diagnostics, repairs, and storage services. Need help placing an account? Connect with a market specialist.

Policy Highlights: Boating is a significant investment, and facilities that store or service vessels need insurance that understands their exposures. Colonial General Insurance Agency, Inc. places a specialized On Land Boat Storage Insurance program for commercial storage yards, repair shops, dealerships, and businesses that tow or move boats on land. With access to admitted and non-admitted markets and flexible options, Colonial General helps agents and brokers secure coverages tailored to marine-related, on-land operations. Ideal Accounts and Appetite This program fits businesses that handle boats while they are on land, including: Commercial boat storage yards and dry-dock facilities Boat repair and service shops that offer longer-term or seasonal storage Marine dealers with on-premises storage or display lots Operators that provide towing and in-transit movement of boats between locations Boat dealers are acceptable. Accounts that primarily involve waterborne exposures, marina slips, or slip-based operations typically do not fit this program. Coverage Highlights and Advantages Colonial General’s On Land Boat Storage Insurance leverages garage and marine-related forms to address the specific risks of caring for customers’ boats. Core features include: Garage Liability with limits up to $1,000,000 per accident General Liability Aggregate up to $3,000,000 Medical payments limit of $5,000 Garage Keepers Coverage on a primary basis for specified causes of loss Dealers Physical Damage and False Pretense coverage where applicable Broadened coverages and Fire Legal Liability extensions In-Transit coverage for towing and transport operations Optional commercial property coverage available in many submissions These elements help mitigate exposures such as fire, theft, damage during transport, and customer property liability while vessels are in your client’s care, custody, or control. Underwriting Notes and Minimum Premiums Colonial General places this program with a variety of carriers (admitted and E&S) depending on the risk profile and state. While minimum premium requirements vary by market, the program is structured to accommodate small and mid-sized commercial operations as well as larger storage yards. When you submit, include details on: Storage capacity and types of boats handled (sizes, hull types, value ranges) Security measures: fencing, lighting, alarms, on-site staff Towing and in-transit practices, equipment, and driver qualifications Repair services provided and any customer pick-up/drop-off operations Territories and Availability This program is available in the Western U.S.: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General’s regional underwriting knowledge helps align coverage options with local exposures and regulatory considerations. Why Work With Colonial General Colonial General Insurance Agency, Inc. is a managing general agency and E&S broker with specialty experience in garage, dealer, and marine-adjacent programs. Working with Colonial General gives you: Access to multiple admitted and non-admitted markets not always available at the retail level Underwriting tailored to the nuances of on-land boat storage and towing operations Responsive placement support for complex or higher-value accounts Regional expertise across the Western states served Example fits: you might have a repair shop that expanded into winter storage and needs Garage Keepers on a primary basis, or a dealer that transports boats regularly between showrooms and off-site storage—both are well suited to this program. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for commercial boat storage facilities, marine repair shops, and boat dealers with on-premises or in-transit storage operations. Is water-based storage or marina coverage included?No. This program is designed for on-land storage and does not cover waterborne or slip-based exposures. Which states is this program available in?The On Land Boat Storage Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can this program cover in-transit towing operations?Yes. In-transit coverage for towing and transport is included, making the program suitable for businesses that move boats between locations. What information is needed to submit a risk?Include the number and types of boats stored, security measures, details of any towing operations, and the scope of repair services offered. 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.

...ypical property exposures: retail stores, professional offices, restaurants an...ons, bakeries, florists, convenience stores, and small manufacturing or light ...

...orcycle and RV servicing shops Tire dealerships, lube and oil change cente...r shops, lube and oil-change centers, tire dealers, muffler and transmission s...