If you’re looking to place business for clients involved in post-eviction or foreclosure property cleanup, Colonial General Insurance Agency, Inc. offers a tailored Eviction Cleanup Insurance program designed to meet your needs. This specialized program provides both Property and Liability coverages on a mono-line or package basis for operations that restore homes, apartments, condominiums, and commercial properties after a tenant or owner has been removed.
Ideal Accounts and Appetite
This program is ideal for contractors and service companies that prepare residential or commercial properties for resale or rental following an eviction, foreclosure, or abandonment. Eligible operations may include:
- Removal of trash and personal belongings
- General cleaning and sanitization
- Cosmetic repairs and wall painting
- Floor refinishing and carpet removal/installation
- Landscape maintenance and exterior cleanup
You might have a client who services multiple apartment complexes cleaning out vacated units, or a company that specializes in restoring foreclosed homes for real estate agents—these are strong fits for this program.
Coverage Highlights and Advantages
Commercial General Liability:
- Primary limits up to $3 million per occurrence and aggregate
- Excess or Umbrella limits up to $25 million
Included at no additional charge:
- Lost Key Coverage – up to $25,000
- Medical Payments – up to $5,000
- Blanket Additional Insureds when required by contract or permit
- Primary and Noncontributory wording (CG 20 33)
- Blanket Waiver of Subrogation per prior written agreement
- Per Project Aggregate limits
Property Coverage:
- Building and Contents
- Business Income and Extra Expense
- Computer Equipment and Valuable Papers
- Outside Signs and Equipment Breakdown
- Inland Marine and Accounts Receivable
- Basic, Broad, or Special Form available
- Replacement Cost or Actual Cash Value (ACV)
Crime Coverage:
- Inside Premises – Theft of Money and Securities
- Inside Premises – Robbery or Safe Burglary of Other Property
- Outside the Premises coverage
Underwriting Notes and Minimum Premiums
Colonial General works with various carriers and has access to both admitted and non-admitted markets depending on the risk and state. Minimum premiums vary based on the scope and size of the operation. Clean, well-documented accounts with a history of property restoration or maintenance services following evictions or foreclosures are preferred.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. If your client operates in any of these states, Colonial General can help you find the right coverage solution.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker,
Colonial General brings deep underwriting expertise and market access to help independent agents and brokers place hard-to-insure or niche business. Their Eviction Cleanup Insurance program reflects a clear understanding of the unique risks faced by property restoration and cleanup contractors. By partnering with Colonial General, you gain access to responsive service, competitive markets, and flexible coverage options for a specialized class of business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include contractors or service providers who clean and prepare residential or commercial properties for resale or rental after eviction, foreclosure, or abandonment. This includes trash removal, cleaning, painting, and minor repairs.
Is this program available on an admitted basis?
Some admitted markets are available depending on the risk and state. Colonial General also has access to non-admitted carriers to provide flexible options.
What is the maximum liability limit available?
The program offers primary commercial general liability coverage up to $3 million per occurrence and aggregate, with excess or umbrella limits up to $25 million.
Are additional insureds included in the policy?
Yes, blanket additional insured coverage is included when required by contract, written agreement, or permit for ongoing operations.
Which states is this program available in?
The program is currently available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Need help placing an account? Connect with a market specialist.