Owners Protective Liability Insurance

Policy Highlights:

Colonial General Insurance Agency, Inc. offers a specialized Owners Protective Liability Insurance program designed to protect property owners from liability exposures that may arise during construction-related projects. This coverage is available for both commercial and residential developments and is ideal for owners who hire a designated contractor to perform new construction, renovations, or tenant improvements.

This program is structured for situations where a designated contractor is performing work at a specified location, and the property owner seeks protection from third-party claims arising out of that contractor’s operations. Coverage is triggered by acts committed by the designated contractor and is available only if the contractor maintains their own primary liability policy.

Coverage is provided on a stand-alone basis under ISO form CG 00 09 and is strictly limited to Bodily Injury and Property Damage. It does not provide coverage for Products/Completed Operations exposures.

Ideal Accounts and Appetite:

Owners Protective Liability is well-suited for:
• Real estate developers overseeing ground-up construction or major renovations
• Commercial landlords initiating tenant build-outs
• Property investors with single or multi-unit residential redevelopment projects
• Municipalities or public entities acting as property owners engaging third-party contractors

Most classes of construction projects are eligible, provided the designated contractor carries adequate primary liability insurance and the project is clearly defined in the policy declarations.

Coverage Available:

• Primary limits up to $1,000,000 Occurrence / $2,000,000 Aggregate
• Excess or Umbrella limits available up to $25,000,000
• No deductible required
• Additional Insured endorsements included for:
– Engineers, Architects, or Surveyors
– State or Political Subdivisions (for permit purposes)
– Mortgagees, Assignees, or Receivers

This policy offers a valuable risk management tool for owners seeking to isolate their exposure from the acts of third-party contractors during the course of construction.

Underwriting Considerations:

This is a stand-alone coverage part and cannot be bundled with other liability or property coverage forms. The designated contractor must be clearly identified and must maintain their own primary liability insurance. Project scope, duration, and location must also be clearly defined during underwriting.

Minimum premiums vary based on project size and risk characteristics. Submissions should include contractor information, project description, location details, and confirmation of the contractor's insurance status.

Territories and Availability:

Colonial General offers this program in the following Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary based on individual risk characteristics and market appetite.

Why Work With Colonial General?

As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in specialty liability programs and access to a wide range of markets. With both admitted and non-admitted options available in select markets, you gain flexibility in placing complex or unique construction risks. Their underwriting team understands the nuances of contractor-related exposures and can help you craft tailored solutions to protect your clients’ interests throughout the life of their projects.

Whether you're working with a real estate investor planning a commercial renovation or a municipality engaging a contractor for community infrastructure improvements, Colonial General can help you secure the right coverage for your insureds.

Frequently Asked Questions

What types of accounts are a good fit for this Owners Protective Liability program?

This program is ideal for property owners—such as developers, landlords, municipalities, or investors—who are hiring a designated contractor for construction, renovation, or tenant improvement projects.

Does the contractor need to carry their own insurance?

Yes. The designated contractor must carry their own primary liability insurance in order for the owner to qualify for this protective liability coverage.

Is coverage available for completed operations?

No. This program does not include Products/Completed Operations coverage. It only covers Bodily Injury and Property Damage arising from the contractor’s ongoing operations at the insured project site.

Can this policy be written with other coverages?

No. Owners Protective Liability Coverage is a stand-alone policy and may not be written in conjunction with other coverage parts.

In which states is this program available?

Coverage is available through Colonial General in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may depend on specific risk details.

Need help placing an account? Connect with a market specialist.

U.S. States Available

U.S. States Available:

Provider Type:

Managing General Agency and Excess & Surplus Lines Broker

Admitted:

Some Available Markets

Carriers:

Carrier Ratings:

A.M. Best A+ Rated

Commission:

Varies

Min Premium:

-

Coverages:

Owners and Contractors Protective Program (OCP) Insurance Property Owners Site Liability Insurance

Acord 125

Please submit Acords 125, 126, and 140 if applicable for the given risk.
Acord 126
Acord 140

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Colonial General Insurance Agency, Inc. has other insurance programs like Accountants Professional Insurance.

Colonial General Insurance Agency, Inc.