Demolition Contractors Insurance

Overview — Demolition Contractors Insurance from Colonial General Insurance Agency, Inc.

Colonial General Insurance Agency, Inc. places Demolition Contractors Insurance through admitted and excess & surplus markets (Some Available Markets). This program is designed for agents looking to place demolition and selective demolition risks with flexible options: per-job or annual policies, mono-line or packaged property and liability protection, and access to larger excess/umbrella limits when needed.

Ideal accounts and target classes

• Small to mid-size demolition contractors performing building/structure demolition up to three stories or under 50 feet.
• Selective demolition, interior strip-outs, and site clearance operations.
• Contractors who need combined General Liability and Contractor’s Equipment/Inland Marine property solutions on a per-job basis.
• Accounts that may benefit from higher primary limits or umbrella placements (see limits below).

Coverage highlights and advantages

• Commercial General Liability — primary limits available up to $3,000,000 occurrence/aggregate.
• $5,000 Medical Payments coverage included.
• Excess or Umbrella limits available up to $25,000,000.
• Property coverages offered: Building, Contents, Contractor's Equipment, Inland Marine, Accounts Receivable, Business Income, Computer Equipment, Outside Signs, Valuable Papers, Equipment Breakdown. Options for Basic, Broad, or Special Form; Replacement Cost or Actual Cash Value.
• Crime coverages: inside the premises (theft of money & securities; robbery or safe burglary of other property) and outside the premises.
• Additional interests: $100 each for listed additional insureds/interests.

Underwriting notes and common restrictions

• Program appetite centers on demolition of buildings or structures three stories and/or less than 50 feet—larger or high-rise demolition generally falls outside appetite or requires specialized underwriting.
• $2,500 minimum deductible required for liability or property placements where applicable.
• Per-job policies are available for single-job exposures; annual policies support contractors with ongoing operations.
• Submission requirements typically include detailed scope of work, site-specific controls, subcontractor oversight, experience/moderation of any explosives or high-risk methods, and equipment lists for inland marine/contractor’s equipment coverage.

Territories, admitted status, and markets

Available in: AZ, CA, CO, ID, NV, NM, UT, WY. The program works through Colonial General as a Managing General Agency and Excess & Surplus Lines broker. Coverage may be placed with admitted carriers where available, and with non-admitted/E&S markets when required (Some Available Markets; carriers vary by risk and state).

Why place demolition business with Colonial General

• Specialized underwriting focus on demolition-related exposures and inland marine/equipment packages.
• Flexible per-job and annual policy forms to match contractor needs.
• Access to higher primary and umbrella limits for contractors with larger or multiple simultaneous jobs.
• Experienced placement support for agents handling complex site-specific operations or inland marine schedules.

Example accounts that often fit this program

• A general contractor who performs selective interior demolition and needs GL plus contents and equipment coverage on a per-job basis.
• A local demolition company performing small building razes (under three stories) that wants an annual policy with contractor’s equipment schedules and an umbrella for higher limits.

Frequently Asked Questions

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