Colonial Cooperative Insurance Company through its relationship with Allied Insurance Brokers, Inc. has an extensive line of insurance products geared for the medium to small size commercial business. Please refer to the Contact Us section in order to discuss our products with the Commercial Underwriters or Marketing Director.

In the event a particular risk does not fall within the underwriting guidelines of Colonial, the risk may be eligible for coverage through one of the companies represented by Colonial’s subsidiary, CGA of NY, Inc., a Managing General Agency. In addition, Colonial’s partnership with Allied Insurance Brokers, Inc. via CGA of NY offers outstanding programs in the habitational and Church markets. Please refer to the Allied Insurance Brokers, Inc. page which will connect you with the Allied website and can provide you with the details on those products.

Consider placing the following classes of business with Colonial Cooperative Insurance Company.
[ SMP/OPP | BOP | M&C | Restaurants ]
Package Policies (SMP/OPP) Classes Bagel Shops with baking and household cooking Bakeries with baking and household cooking Barber Shops / Beauty Salons / Nail Salons Beauty Supply Stores Book & Magazine Stores Cafes with baking and household cooking Candy Stores with baking and household cooking Clothing Stores Delicatessens with baking and household cooking Dry Cleaning Operations and drop off stations Florist Furniture Stores (no used or antiques) Grocery Stores (maximum area 2,500 square feet, maximum sales $500,000 if over requires u/w approval) Laundromats (card/coin operated) Liquor Stores Meat, Fish and Poultry Stores Mercantile buildings with Habitational (acceptable occupancy) Mercantile buildings as Lessor’s Risk Only Offices Pizzerias with baking and household cooking Retail Operations Shoe Stores Tailor Shops with alterations Variety Stores Wholesale operations
Business Owners Policy (BOP) Classes Auto Accessories store -- NO INSTALLATIONS OR REPAIR Beauty / Barber Shops -- NO FACIALS, MASSAGE OR TANNING EXPOSURES Camera & Photo Supply Stores Candy, Nut & Confectionary Stores Card & Stationary Stores Craft Stores Deli -- NO COOKING Fabric Stores Florist Furniture Stores -- NO USED OR ANTIQUE FURNITURE Gift, Novelty & Souvenir Stores Grocery Store < 2500’ and maximum sales $500,000 Health Food Store Ice Cream Stores -- No cooking / No seasonal exposures Laundry & Dry Clean Pickup (No cleaning on premise) Leather Goods Stores Magazine and Book Stores Meat, Fish, Poultry Stores -- NO COOKING Nail Salons Office Machine Stores Optical Goods Store Record, Tape and Music Stores Shoe Store & Shoe Repair Sewing Machine Stores Tailor Shops and Alterations Toy, Hobby or Game Stores Video Stores
Manufacturers and Contractors Interior Carpentry (NO structural framing/no gutting of load bearing walls) Electrician (NO fire alarm, security alarm or satellite installation) Drywall/Sheetrock Installation Painting (NO spray applications) Landscaping (lawn mowing, raking, flower planting) Carpet Installation Cabinet Making & Installation Carpet Cleaner Plastering Glaziers Janitorial (Residential/small office only) Tile Installation Roofing (Residential, not to exceed 20% of sales -- NO hot tar application) Plumbing (No Boiler/Furnace work) Siding Installation
Restaurants and Taverns Any class not listed can be submitted to your underwriter for consideration in CCIC. White Linen Restaurants Pizzerias with Commercial Cooking Take-Outs Bakeries with Commercial Cooking Café Donut/Bagel Shops with Commercial Cooking Delicatessens with Sit-Down Eating
Copies of the current underwriting guidelines are available on the Forms page.

Last updated: April 14, 2008