Colonial General Insurance Agency, Inc. offers tailored insurance solutions for residential general contractors involved in new construction and remodeling projects. This program is designed for contractors who oversee or manage operations—either directly or indirectly—performed by employees or insured subcontractors. Whether your client is a builder managing multiple trades or a remodeler coordinating specialty services, this program can help agents place business with confidence.
Ideal Accounts and Appetite
This program is an excellent fit for residential general contractors who maintain administrative or supervisory responsibility for projects, including:
- Custom home builders
- Residential remodelers and renovation contractors
- Contractors overseeing insured subcontractors across multiple trades
Colonial General targets accounts where the insured maintains proper control over job sites and engages qualified, insured subcontractors. Risks with high subcontractor exposure, inadequate subcontractor agreements, or poorly controlled job sites may not be eligible.
Coverage Highlights and Advantages
Property Coverage:
- Basic, Broad, or Special Form options
- Coverage for Building, Contents, Contractor’s Equipment, and more
- Business Income and Equipment Breakdown protection
- Inland Marine coverage, including Valuable Papers and Computer Equipment
- Replacement Cost or Actual Cash Value available
General Liability:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- $5,000 Medical Payment Coverage included
- Blanket Additional Insured Endorsement
- Excess/Umbrella limits available up to $25,000,000
- Minimum $1,000 deductible
Crime Coverage:
- Inside the Premises – Theft of Money and Securities
- Robbery or Safe Burglary of Other Property
- Outside the Premises coverage
Underwriting Notes and Minimum Premiums
Colonial General works with a range of carriers (varies by account) to offer flexible underwriting options. Admitted and non-admitted markets are available depending on the class and state. While minimum premiums vary by risk and location, agents can expect competitive pricing for well-managed contractor accounts.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General understands the regional nuances that impact residential contracting businesses in these Western states.
Why Work With Colonial General Insurance Agency, Inc.?
Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in contractor-related risks. Their team offers responsive service, access to both admitted and E&S markets, and the ability to structure custom packages for residential general contractors. Whether you have a home builder in Arizona or a remodeling firm in Colorado, Colonial General can help you place the right coverage efficiently.
Explore the full program at Colonial General's Residential General Contractors Insurance page or learn more about the company at their CompleteMarkets profile.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include residential general contractors who supervise or manage new construction or remodeling projects and use insured subcontractors.
Is this program available for contractors working in commercial construction?
No, this program is specifically designed for residential general contractors. Commercial accounts may require different placement options.
Are subcontractors covered under this policy?
Subcontractors must carry their own insurance, but the program supports insureds who supervise and manage subcontractor work. Blanket Additional Insured endorsements are available.
What states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I get both property and liability coverage in one policy?
Yes, coverage is available on a monoline or package basis, allowing you to customize property and liability protection to fit your client's needs.
Need help placing an account? Connect with a market specialist.