simple, easy bonds and insurance When you partner with Colonial a dedicated insurance professional will provide you with a referral code and access to a free online product management system. You and your client may purchase products via our website using your exclusive referral code. Our systems tracking software will record all clients’ activity that originate from yours or our website. Colonial will handle all administrative servicing and renewal transactions. A 10% referral fee will be paid to you on all new business and renewal transactions.