Colonial General Insurance Agency, Inc. offers a specialized Flea Market Insurance program designed for owners and operators of flea markets, swap meets, bazaars, antique marts, farmers' markets, and merchandise markets. This program is ideal for venues where vendors rent space to sell new or used goods. With flexible monoline or package options, this program helps protect your clients from property damage, liability claims, and crime-related losses common in these busy, high-foot-traffic environments.
Ideal Accounts and Appetite
This program is tailored for property owners or operators who lease booth or stall space to multiple vendors. Ideal risks include:
- Indoor or outdoor flea markets
- Weekend swap meets or bazaars
- Permanent or seasonal farmers’ markets
- Antique malls and collectible markets
- New merchandise marts
Accounts with organized vendor agreements, established loss control measures, and consistent risk management practices are preferred. The program is not designed for individual vendors or markets with high-hazard exposures such as amusement rides or live entertainment stages.
Coverage Highlights and Advantages
Colonial General's Flea Market Insurance program offers robust coverage options tailored to the unique risks of multi-vendor marketplaces.
Commercial General Liability Coverage Includes:
- Primary limits up to $3,000,000 Occurrence/Aggregate (Products/Completed Operations excluded by CG2104)
- $5,000 Medical Payments—Included
- Excess or Umbrella limits available up to $25,000,000
- $500 minimum deductible
Property Coverage Options:
- Building and Contents
- Business Income
- Equipment Breakdown
- Computer Equipment
- Outside Signs
- Replacement Cost or Actual Cash Value
- Inland Marine
- Accounts Receivable
- Valuable Papers
- Basic, Broad, or Special Form options
Crime Coverage Options:
- Inside the Premises—Theft of Money and Securities
- Inside the Premises—Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes and Minimum Premiums
The program is available through both admitted and non-admitted markets, depending on the risk profile and state. Colonial General works with a variety of carriers to provide flexible underwriting solutions. While minimum premium requirements vary, the program is designed to accommodate a wide range of small to midsize accounts.
Territories and Availability
This Flea Market Insurance program is available in the following states:
Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Colonial General has strong regional expertise in these Western states and understands the market dynamics specific to each territory.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings specialized knowledge and market access to niche programs like flea markets and swap meets. Their experienced underwriters understand the operational needs and liability exposures unique to these businesses. Agents benefit from fast turnaround times, flexible coverage structures, and access to both admitted and non-admitted carriers.
You might have a client who owns a weekend farmers' market in Utah or manages a year-round antique mall in California—this program can provide the tailored protection they need. Colonial General makes it easier for you to place this specialized business with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include flea markets, antique malls, swap meets, farmers’ markets, and new merchandise venues where space is rented to multiple vendors.
Can this program cover both property and liability?
Yes, coverage is available on a monoline or package basis, including options for property, general liability, and crime coverage.
Is this program available in all states?
No, it is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both admitted and non-admitted carriers used?
Yes, Colonial General offers access to both admitted and non-admitted markets depending on the risk and state.
Can I write coverage for an outdoor seasonal market?
Yes, outdoor and seasonal markets are eligible if they meet underwriting guidelines and have appropriate vendor controls in place.
Need help placing an account? Connect with a market specialist.