If you’re placing business for clients that handle post-eviction or foreclosure property cleanup, Colonial General Insurance Agency, Inc. offers a focused Eviction Cleanup Insurance program designed for that niche. The program provides Property and Liability coverage, available mono-line or as a package, for contractors and service companies that restore homes, apartments, condominiums, and commercial properties after a tenant or owner has been removed.
Ideal Accounts and Appetite
This program fits contractors and service providers who prepare residential or commercial properties for resale or re-rental following eviction, foreclosure, or abandonment. Typical operations we can place include:
- Removal of trash and personal belongings
- General cleaning, sanitization, and deodorization
- Cosmetic repairs and interior painting
- Floor refinishing, carpet removal/installation
- Landscape maintenance and exterior cleanup
Examples: you might have a company that manages turnover cleaning for multiple apartment complexes, or a contractor who restores foreclosed homes for real estate clients—both are strong fits. Accounts with well-documented operations, routine job-site controls, and a history of property restoration are preferred.
Coverage Highlights and Advantages
Commercial General Liability:
- Primary limits available up to $3 million (per occurrence and aggregate)
- Excess or Umbrella capacity 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 available
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) options
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 a range of carriers and can access admitted and non-admitted markets depending on the risk profile and state. Underwriters favor clean, documented accounts with routine safety controls and clear operational boundaries (e.g., scope of work limited to non-structural repairs unless otherwise declared). Minimum premiums vary by carrier and state—submit full application details, loss history, and photos when possible to speed placement.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability and admitted options depend on the state and specific risk characteristics.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines broker,
Colonial General brings underwriting expertise and market access tailored to niche and hard-to-place risks. Agents benefit from responsive underwriting, flexible structure (admitted and non-admitted options), and packaged solutions that combine liability, property, and crime coverage specific to eviction/foreclosure cleanup operations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include contractors and service providers who clean and prepare residential or commercial properties for resale or rental after eviction, foreclosure, or abandonment—tasks such as 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 alternative options when admitted capacity is limited.
What is the maximum liability limit available?
Primary commercial general liability limits are available up to $3 million per occurrence and aggregate, with excess or umbrella capacity 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.