https://completemarkets.com/company/theinsco/Entertainment-and-Amusement-Risks/
This program from T.H.E. Insurance Company provides tailored coverage for a wide range of amusement and entertainment risks. Working directly with T.H.E. lets you bypass additional MGAs and intermediaries so you can place business faster with underwriters who have binding authority and industry experience.
Available package coverages include:
General Liability (monoline or package)
Auto
Excess liability
Workers Compensation
Property
Crime
Inland Marine
Overview of the Program from T.H.E. Insurance Company
This Entertainment & Amusement Risks program is built for agents who need a practical market for venues, operators, and event promoters. T.H.E. underwriters focus on delivering broad package solutions that combine liability, property, auto, workers’ compensation, and ancillary lines to create cohesive placements for mid-market amusement and entertainment exposures.
Ideal Accounts and Appetite
Small-to-mid sized amusement parks, family entertainment centers, trampoline parks, arcades, and indoor play centers
Seasonal carnivals, fairs and traveling attractions with licensed operators
Fixed and mobile concessions, event promoters, and production companies for live performances
Movie and film production support risks, set construction and equipment rentals (subject to inland marine and property terms)
Generally acceptable risks are those with documented maintenance programs, trained staff, and reasonable loss histories. The program is not intended for major theme parks, large-scale permanent roller coaster operations, or operators with unresolved regulatory or licensing issues.
Coverage Highlights and Advantages
Package flexibility — write monoline GL or comprehensive packages combining property, auto, WC and more.
Excess liability options to protect against high-severity incidents.
Inland marine to cover mobile equipment and rented attractions while in transit.
Crime coverage for cash-handling exposures at events and box offices.
Direct binding authority through T.H.E., which can speed turnaround and simplify placement.
Underwriting Notes and Typical Restrictions
Underwriters will evaluate operator qualifications, safety programs, ride maintenance records (when applicable), contracts with vendors/independent contractors, and loss runs. High-hazard features (unrated or unmaintained mechanical rides, pyrotechnics without licensed operators, or poor safety controls) typically require additional scrutiny and may be declined or quoted with restrictions.
Provide the following at submission for a faster review: current year loss runs, descriptions/photos of the site or equipment, copies of contracts with third-party vendors, and detail on staff training programs and inspection schedules.
Territories and Availability
Available for placement in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.
Why Work With T.H.E. Insurance Company on Entertainment & Amusement Risks
T.H.E. offers focused underwriting for entertainment and amusement classes and the ability to bind coverage directly — a benefit for agents who need speed and clarity on terms. Their packaged approach simplifies placements by combining complementary coverages, and the underwriting team is experienced with the unique operational and seasonal exposures common in this sector.
Frequently Asked Questions
What types of accounts are a good fit for this program?Accounts like family entertainment centers, small fixed amusement parks, traveling carnivals with licensed operators, concessions, and production support risks are a strong fit when they have documented safety programs and reasonable loss history.
What coverages can I combine in a package?T.H.E. can offer monoline general liability or multi-line packages that include property, auto, workers’ compensation, excess liability, inland marine, and crime — allowing you to tailor terms to the client’s exposures.
Which states is this program available in?This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.
What information speeds up the underwriting process?Include current loss runs, equipment descriptions or photos, maintenance and inspection records, contracts with vendors, and details on staff training and safety protocols with your submission.
Are high-hazard attractions eligible?High-hazard attractions are considered on a case-by-case basis. Risks with unmaintained mechanical rides, pyrotechnics without licensed operators, or unresolved compliance issues are likely to face restrictions or declination.
Need help placing an account? Connect with a market specialist.
https://completemarkets.com/company/colonialgeneral/Security-Patrol-Insurance/
Policy Highlights:
Colonial General Insurance Agency, Inc. provides a focused Security Patrol Insurance program for agencies and contractors operating in higher-risk security and investigative roles. Whether your client employs armed or unarmed guards, operates K-9 units, conducts private investigations, provides process serving, or runs firearms training, this program is designed to deliver comprehensive liability and property protection tailored to those exposures. Eligible classes also include polygraphists, process servers, and claims adjusters with draft authority of $5,000 or less.
Ideal Accounts and Appetite
This program is well suited for a wide range of security-related businesses, including:
Security guard and patrol companies (armed or unarmed)
Contract firms using K-9 units
Private investigation agencies
Process serving operations
Firearms certification instructors and training schools
Claims adjusters with limited draft authority
Typical fits include regional patrol companies that provide armed and unarmed guards for retail, construction, or event sites, and private investigators who also offer contract security or process serving. The program favors disciplined operations with documented training, written procedures, and loss control measures.
Coverage Highlights and Advantages
Commercial General Liability Coverage includes:
Primary limits available up to $3,000,000 occurrence / aggregate
$5,000 Medical Payments—automatically included
Additional Interests—$100 each
Assault & Battery—covered at full policy limits (optional sub-limits offered at discounted rates)
Errors & Omissions Coverage Part for professional exposures
Lost Key Coverage—$25,000 limit included
Property Damage Extension for Care, Custody & Control—$5,000 / $25,000 limits
Excess/Umbrella capacity available up to $25 million
Loss prevention brochure and best practices guidance to support underwriting and risk control
Property Coverage options include:
Basic, Broad, or Special Forms
Building, Business Income, and Contents coverage
Replacement Cost or Actual Cash Value basis available
Crime Coverage available:
Inside the Premises—Theft of Money and Securities
Inside the Premises—Robbery or Safe Burglary of Other Property
Outside the Premises coverage
Underwriting Notes
Colonial General can write coverage on a monoline or package basis and uses flexible underwriting to address the specific operations and exposures of each firm. Underwriting will consider employee hiring practices, training programs, weapons-handling controls, K-9 handling, and documentation of client contracts and scopes of work. Access to admitted and non-admitted markets helps place accounts that may require broader forms or higher limits.
Territories and Availability
This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some coverages are offered on admitted paper where available; Excess & Surplus options are used when the risk or jurisdiction requires non-admitted placement.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise in security and investigative exposures with broad market access. Their underwriters and market contacts allow you to place complex or hard-to-insure accounts with tailored forms, higher limits, and loss-control guidance — all aimed at keeping risks in forceable, well-documented programs.
Learn more about Colonial General and their capabilities by visiting their company profile.
Frequently Asked Questions
What types of accounts are a good fit for this program?Security patrol firms, private investigators, process servers, firearms instructors, and adjusters with limited draft authority are all good fits, especially when they have documented training and client contracts.
Are both armed and unarmed guards eligible?Yes. The program accepts accounts with armed or unarmed personnel, including operations that use guard dogs, subject to underwriting review of training and weapons controls.
Is Assault & Battery coverage included?Yes. Assault & Battery is included at policy limits; sub-limits are available as a lower-cost option where appropriate.
Which states is this program available in?Coverage is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I combine Property and Liability coverages?Yes. The program supports monoline or package placements, and property, crime, and excess limits can be added to match the client’s exposures.
Need help placing an account? Connect with a market specialist.