Colonial General Insurance Agency, Inc. offers a flexible and competitive General Contractors Insurance program tailored for commercial general contractors. This program is designed for contractors who manage or supervise new construction or remodeling projects and exercise oversight—either directly or indirectly—of employees and insured subcontractors across various trades. Coverage is available on a monoline or package basis, depending on your client’s needs.
Ideal Accounts and Appetite
This program is ideal for commercial general contractors with administrative or managerial responsibilities. Target accounts include those involved in residential or light commercial construction, tenant improvements, and renovation projects. Your clients should have proper oversight of subcontractors and a clean claims history for best fit. Colonial General has access to a range of markets—some admitted—allowing flexibility in underwriting more complex or unique risks.
Examples of good-fit accounts include:
- A contractor managing a mix of retail and office buildouts using insured subcontractors.
- A general contractor overseeing single-family home construction in suburban areas.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary liability limits up to $3,000,000 Occurrence / Aggregate
- Per Project Aggregate available
- Excess or Umbrella limits up to $25,000,000
- Included at no additional cost:
- $5,000 Medical Payments Coverage
- Blanket Additional Insureds—when required by contract, agreement, or permit
- Primary and Noncontributory wording (CG 20 33)
- Waiver of Subrogation—Blanket with prior written agreement
Property Coverage Options:
- Building, Business Income, and Business Personal Property
- Contractor’s Equipment and Inland Marine coverage
- Computer Equipment and Equipment Breakdown
- Outside Signs and Valuable Papers
- Available on Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value
Crime Coverage:
- Inside Premises—Theft of Money & Securities
- Inside Premises—Robbery or Safe Burglary of Other Property
- Outside the Premises coverage
Underwriting Notes and Minimum Premiums
Coverage is available through both admitted and non-admitted markets, depending on the risk and location. Colonial General works with a variety of carriers to meet diverse underwriting needs. Minimum premiums vary by class and state; contact Colonial General for specific underwriting guidelines and rating considerations.
Territories and Availability
This General Contractors Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Agents with clients operating in these states can take advantage of Colonial General’s regional expertise and market access.
Why Work With Colonial General
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep knowledge of the construction industry and extensive market access. Their team is known for responsive service, flexible underwriting, and the ability to place both typical and harder-to-write contractor risks. Whether your client is launching a new build or managing a major renovation, Colonial General can help you secure the protection they need.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Commercial general contractors involved in new construction, tenant improvements, or remodeling projects who supervise insured subcontractors are ideal candidates.
Which states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both property and liability coverages available?
Yes, property and liability coverages are available on a monoline or package basis, depending on your client’s needs.
Does the policy include Additional Insured endorsements?
Yes, blanket Additional Insured coverage is available at no extra cost when required by contract, agreement, or permit.
Can this program handle accounts with subcontractor exposure?
Yes, it is specifically designed for general contractors who oversee operations performed by employees and insured subcontractors.
Need help placing an account? Connect with a market specialist.