Overview — Colonial General Insurance Agency, Inc. — Deli Insurance
Colonial General Insurance Agency, Inc. offers a Deli Insurance program designed for independent agents and brokers placing coverage for food service establishments—dine-in or take-out operations. This program provides both property and liability options, written mono-line or as a package, and is best suited for small to mid-sized delis, sandwich shops, bakery-cafés, and similar food-service risks where alcohol sales are incidental (less than 30% of gross sales).
Policy Highlights
Key liability and property features available through this program:
- Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate
- $5,000 Medical Payments coverage — included
- Additional interests — included at no charge
- Liquor Liability coverage available (alcohol sales must be under 30% of gross sales)
- Excess / Umbrella limits available up to $25,000,000
- No deductible required on liability in many instances
Property Coverage Options
Selectable property features to protect the physical location, equipment and income:
- Accounts Receivable
- Basic, Broad or Special Form
- Building and/or Contents
- Business Income and Extra Expense
- Computer Equipment and Equipment Breakdown
- Food Spoilage and Inland Marine for rolling stock or equipment
- Outside Signs
- Replacement Cost or Actual Cash Value valuation
- Valuable Papers
Crime Coverage
- Inside the Premises — Theft of Money and Securities
- Inside the Premises — Robbery or Safe Burglary of Other Property
- Outside the Premises
Ideal Accounts and Appetite
The program is tailored for:
- Independent delis, sandwich shops, small catering prep kitchens, and café/deli hybrids
- Locations with mostly prepared-food sales and limited alcohol service (less than 30% of revenue)
- Single-location or small multi-location operations without significant high-risk exposures (no on-site dance/entertainment, late-night bars, or large banquet operations)
Typically not a fit: businesses where alcohol sales exceed 30% of gross receipts, full-scale bars/nightclubs, major catering operations with frequent large events, or accounts with serious open claims or uncontrolled loss history.
Underwriting Notes
Common submission requirements include a completed application, recent loss runs, current revenue breakdown (food vs. alcohol), menu or operations description, and proof of any licenses (e.g., liquor license). Underwriters will evaluate hours of operation, delivery services, catering exposure, safety controls (fire suppression in cooking areas), and prior loss history.
Appetite and terms may vary by market; Colonial General places this business through a mix of admitted and non-admitted carriers (Some Available Markets). Carriers vary by risk characteristics and state.
Territories and Availability
Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage availability and form (admitted vs. non-admitted) depend on the state and carrier. Confirm state eligibility and any market-specific requirements at submission.
Examples — Good Fits
- A neighborhood deli with dine-in and takeout, annual gross sales under $1.5M, limited alcohol by the bottle and beer/wine sales under 20% of revenue — ideal for combined property and GL with liquor liability.
- A small deli with a delivery and catering arm, modest kitchen equipment, and a history of clean loss runs — fits well for package placement including equipment breakdown and food spoilage coverage.
Why Work With Colonial General on Deli Business?
As an MGA and excess & surplus lines broker, Colonial General provides agents access to multiple markets and flexible packaging for food-service risks. The program balances liability limits up to $3M (with sizable umbrella capacity), crime and property options tailored to deli operations, and straightforward underwriting for common deli exposures. Colonial General is positioned to help agents place unique or borderline risks that need excess capacity or specialized E&S solutions.