Colonial General Insurance Agency, Inc. offers a specialized Boat Dock Construction Insurance program designed for contractors involved in building and installing docks, piers, and boat lifts. Whether your client uses barges during construction or installs complex marine structures, this program provides tailored protection for both property and liability exposures.
Ideal Accounts and Appetite
This program is ideal for contractors who specialize in:
- Boat dock and pier construction
- Installation of boat lifts and related marine equipment
- Use of barges and floating equipment during construction
Accounts with experience in marine construction and a proven safety record are preferred. This program is best suited for small to mid-sized contractors operating in the western United States.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 per Occurrence / Aggregate
- $5,000 Medical Payments included
- Blanket Additional Insured Endorsement
- Blanket Waiver of Subrogation
- Per Project Aggregate available
- Excess or Umbrella limits up to $25,000,000
Property Coverage Options:
- Basic, Broad, or Special Form
- Building and Contents
- Business Income and Equipment Breakdown
- Computer Equipment and Inland Marine
- Outside Signs and Valuable Papers
- Accounts Receivable Coverage
- Replacement Cost or Actual Cash Value options
Crime Coverage Available:
- Theft of Money and Securities (Inside the Premises)
- Robbery or Safe Burglary of Other Property
- Coverage Outside the Premises
Underwriting Notes and Minimum Premiums
Colonial General can write policies on a monoline or package basis, depending on the needs of your client. While minimum premiums vary by account and coverage selected, competitive pricing and flexible structures are available for qualifying risks. This program is backed by a variety of markets, offering both admitted and non-admitted options depending on the state and risk profile.
Territories and Availability
This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General is actively seeking new agency relationships in these regions.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche construction markets. With access to multiple carriers and a strong focus on service, Colonial General helps agents place complex marine construction risks with confidence. Their underwriting team understands the unique exposures of dock and pier builders and can help craft a policy that fits your client’s operational realities.
For example, you might have a client who installs private docks for lakefront homeowners or builds commercial piers for marinas—this program can offer the tailored coverage those operations demand.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Contractors involved in the construction of boat docks, piers, and installation of boat lifts, especially those using barges or working in marine environments.
Can I write a monoline General Liability policy?
Yes, the program allows for monoline General Liability or Property coverage, or a package policy depending on your client's needs.
What is the maximum available limit for umbrella coverage?
The program offers excess or umbrella liability limits up to $25,000,000.
Is this program available in all states?
No, it is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do you offer admitted and non-admitted options?
Yes, some markets within the program are admitted, while others are non-admitted, depending on the state's availability and risk profile.
Need help placing an account? Connect with a market specialist.