Colonial General Insurance Agency, Inc. offers a specialized Parking Lot/Driveway Insurance program to help agents place difficult-to-insure accounts across the western U.S. The program can provide Property and Liability coverage on a monoline or package basis and is designed for businesses that perform parking lot, driveway, and sidewalk services. It is ideal for contractors engaged in cleaning, sweeping, paving, seal coating, striping, snow removal (incidental), and pressure or water cleaning—operations with routine exposure to high-traffic areas and surface-maintenance risks.
Ideal Accounts and Appetite
This program is best suited for small to mid-sized contractors and maintenance companies specializing in:
- Parking lot and driveway cleaning or sweeping
- Paving and repaving services
- Seal coating and line striping
- Incidental snow removal (not heavy or prolonged snow operations)
- Pressure washing or water cleaning of sidewalks and lots
Underwriters prefer accounts with documented safety practices and stable loss histories. Operations that perform structural work, have frequent prior claims, or conduct heavy snow-removal on a regular basis often fall outside the program’s appetite.
Coverage Highlights and Advantages
Property Coverage Includes:
- Basic, Broad, or Special Form options
- Building, Contents, and Business Income
- Contractor’s Equipment and Inland Marine
- Computer Equipment and Equipment Breakdown
- Accounts Receivable and Valuable Papers
- Outside Signs
- Replacement Cost or Actual Cash Value valuations
Commercial General Liability Features:
- Primary limits up to $3,000,000 occurrence/aggregate
- Medical Payments – $5,000 included
- Umbrella/Excess available up to $25,000,000 (subject to underwriting)
- Additional Insured endorsements available for $100 each
- Minimum deductible of $500
Crime Coverage Options:
- Inside premises — theft of money and securities
- Inside premises — robbery or safe burglary of property
- Outside premises coverage
Underwriting Notes and Minimum Premiums
Colonial General works with a mix of admitted and non-admitted carriers depending on state and account specifics. A $500 deductible is standard; final pricing will depend on the scope of operations, payroll, revenue, equipment values, and loss history. Clean, well-documented submissions with clear safety programs and loss-control measures receive the best consideration.
Territories and Availability
This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General leverages regional underwriting relationships across the western U.S. to place accounts in both admitted and excess & surplus markets where appropriate.
Why Work With Colonial General
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents streamlined access to competitive markets and underwriting expertise for niche contracting risks. Their Parking Lot/Driveway Insurance program pairs flexible coverage options with regional market knowledge—helpful whether you’re placing a new paving startup or an established lot-maintenance contractor.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for contractors involved in parking lot or driveway cleaning, sweeping, paving, seal coating, striping, and incidental snow removal or pressure washing.
Are both property and liability coverages available?
Yes, Colonial General offers both Property and Commercial General Liability coverage on a monoline or package basis, depending on the needs of the insured.
What states is this program available in?
The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Can I get Excess or Umbrella limits through this program?
Yes, Excess or Umbrella limits are available up to $25,000,000 subject to underwriting approval.
Does the program include coverage for contractor's equipment?
Yes, Contractor’s Equipment coverage is available under the Property section of the policy.
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