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Policy Highlights for Builders' Risk Insurance: If your clients are involved in construction or renovation, Colonial General Insurance Agency, Inc. offers a flexible, competitive Builders' Risk program to protect structures and materials during the course of construction. The program accommodates new builds and remodeling projects and is available through select admitted and non-admitted markets, giving you options for standard and harder-to-place risks. Overview of the Builders' Risk Program from Colonial General Colonial General Insurance Agency, Inc. is a regional Managing General Agency and Excess & Surplus Lines broker serving independent agents across the Western United States. With underwriting relationships across admitted and non-admitted carriers, Colonial General can offer tailored Builders' Risk solutions for contractors, developers, builders and property owners. The program supports projects from single-family custom homes to light commercial builds and renovations. Ideal Accounts and Appetite This Builders' Risk program works well for: Residential builders (single-family and multi-family) Light commercial construction (retail, small office, tenant improvements) Remodeling and renovation contractors Developers managing ground-up construction Property owners overseeing their own build projects Projects that present well typically have clear timelines, licensed contractors, required permits, and documented contract values. Colonial General can consider both frame and non-combustible construction; high-hazard projects, large-scale commercial mega-projects, or accounts with unstable work schedules may be less likely to fit without additional underwriting detail. Coverage Highlights and Advantages Property coverage options include: Basic, Broad, or Special Form physical damage coverage Coverage for the building under construction Building materials and supplies in transit or at an unscheduled storage location (standard $5,000 limit; higher limits available on request) Contents and Contractors’ Equipment coverage Equipment Breakdown protection Installation Floater for subcontracted work and materials Replacement Cost valuation where applicable These features help protect clients from theft, fire, vandalism, weather events, and mechanical or equipment failures during the build period. Underwriting Notes Colonial General evaluates submissions individually and offers flexibility across carrier partners. Underwriters will review project scope, construction type, contract language, security controls, and project timeline. Be prepared to provide plans, contractor information, project schedule, and a completed application. Minimum premiums vary by project type, location, and coverage selections—contact Colonial General for specific underwriting and minimum premium guidance on each submission. Territories and Availability This program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Availability can vary by specific project location and risk characteristics, particularly in wind, hail, or other catastrophe-prone areas. Why Work With Colonial General Colonial General combines regional construction expertise with access to both admitted and non-admitted markets, helping agents place standard and more complex Builders' Risk business. Their underwriting team is focused on responsive service and practical solutions, which helps when submitting non-standard projects or when tailored coverage forms are needed. Using Colonial General can speed placement and broaden options for clients who need flexible terms or higher limits. Example scenarios where this program typically fits: You have a client building a cluster of custom single-family homes who needs replacement-cost coverage and materials-in-transit protection. You represent a small developer renovating a retail strip with a defined schedule and licensed subcontractors requiring Builders' Risk during the renovation. Frequently Asked Questions What types of accounts are a good fit for this Builders' Risk program?This program is ideal for residential and light commercial construction projects, including new builds, remodels, and renovations managed by contractors, developers, or property owners. Can this program cover materials in transit or temporary storage?Yes. The program includes a $5,000 limit for building materials and supplies while in transit or at an unscheduled storage location. Higher limits can be requested on submission. Is coverage available for both new construction and renovations?Yes. Colonial General offers Builders' Risk policies for ground-up construction and renovation projects, including interior remodels and structural changes. What states is this Builders' Risk program available in?Coverage is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Specific availability depends on project details and location. Do you work with admitted or non-admitted carriers?Colonial General accesses both admitted and non-admitted markets, providing flexibility to match coverage needs to each project's risk profile. Need help placing an account? Connect with a market specialist.

Program Highlights: Colonial General Insurance Agency, Inc. offers a flexible and comprehensive Dwelling Liability Only Insurance program tailored for one- to four-family residential properties. Whether you're working with owner-occupied, tenant-occupied, seasonal, or vacant dwellings, we provide solutions to fit your insureds’ unique needs—especially when standard markets fall short. Ideal Accounts and Appetite This program is designed for agents looking to place residential dwellings that don't meet traditional underwriting criteria. We specialize in hard-to-place risks, including: Vacant dwellings Seasonal or secondary residences Dwellings under renovation Unprotected properties (e.g., lacking nearby fire protection) Homes with prior cancellations or non-renewals Low or high-value homes Builders risk properties You might have a client with a vacant property awaiting sale or recently inherited—this program can provide essential liability protection when other carriers decline coverage. Coverage Highlights and Advantages Our dwelling program offers customizable coverage options to meet a wide range of residential exposures. Available coverages include: Personal & Premises Liability Mono-line Liability or Mono-line Property Medical Payments Fire and Extended Coverage DP-3 Special Form Additional Living Expense Fair Rental Value Burglary, Vandalism & Malicious Mischief Unit Owner’s Coverage for Condominiums Optional Day Care Liability (up to 5 children) Residential Vacant Land Liability This flexibility allows you to tailor a policy specifically to your client’s exposures—whether they need protection for a rental property, temporary vacancy, or a primary residence undergoing renovations. Underwriting Notes and Minimum Premiums Colonial General underwrites through a variety of carriers and markets, with both admitted and non-admitted options available depending on the risk and the state. Our underwriters are experienced in non-standard residential exposures and work with you to find the best fit for your client’s needs. Minimum premiums vary by coverage selection and risk profile. Please contact us for details specific to your account. Territories and Availability This program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General specializes in niche residential markets that many standard carriers avoid. We offer a wide range of flexible coverage options, access to multiple carriers, and underwriting expertise that helps you successfully place hard-to-insure residential properties. From quick quotes to responsive service, we’re committed to making your job easier. Frequently Asked Questions What types of accounts are a good fit for this program?Occupied or vacant one- to four-family dwellings, seasonal homes, renovations, and risks that have been cancelled or non-renewed are ideal candidates. Can I write only liability coverage without property coverage?Yes, Mono-line Liability is available, allowing you to provide liability protection without including property coverage. Is this program available in admitted markets?Some admitted markets are available, depending on the risk type and state. We also offer non-admitted options for harder-to-place risks. Can I write coverage for a vacant residential dwelling awaiting sale?Yes, our program is well-suited for vacant dwellings, including those temporarily unoccupied or awaiting sale or renovation. What states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Overview of the Vacant Dwelling Insurance Program from Jacobs & Associates Jacobs & Associates provides a targeted Vacant Dwelling Insurance program for residential and commercial buildings that are temporarily unoccupied. As an Excess & Surplus Lines broker, Jacobs & Associates places hard-to-place vacant properties through non-admitted carriers, giving you access to flexible short-term solutions when standard markets are not an option. Ideal Accounts and Appetite This program is designed for agents and brokers who need short-term protection for vacant properties. Typical fits include: Vacant single-family homes, duplexes, and multi-family units with or without renovations Vacant commercial buildings (retail, office, light industrial) undergoing renovation or between tenants Builders risk for residential or commercial projects during short construction or renovation periods Accounts that generally do not fit include properties requiring flood or earthquake-only coverage enhancements, accounts with significant prior losses that remain open, or operations with ongoing occupancy and regular business activities. Coverage Highlights and Advantages Jacobs & Associates uses ISO forms to provide clear, standardized coverage. Key policy elements include: Building & Personal Property – CP 00 10 Builders Risk – CP 00 20 Condo Unit Owners – CP 00 18 Basic Causes of Loss – ISO CP 10 10 Premises Liability – ISO CG 00 01 Important underwriting limitations: this program excludes coverage for theft and water damage. Use it when you need property and liability protection for short vacancy periods but can accept those exclusions. Policy Terms, Deductibles, and Minimums Available term options: 3-, 6-, or 12-month policies. Quarterly installment plans are available on 12-month policies. Standard deductibles: Property (no renovations): $250 per occurrence Property (with renovations): $500 per occurrence Liability: $250 per occurrence Minimum retained premiums vary by term: annual, six-month, and three-month policies all include minimum retained amounts (see your underwriter for specifics and applied minimums on each placement). Territories and Non-Admitted Positioning This Vacant Dwelling Insurance program is currently available to agents placing risks in Ohio (OH). Jacobs & Associates operates as an Excess & Surplus Lines broker, placing business in the non-admitted market when standard admitted options are unavailable or unsuitable. Underwriting Notes and Submission Tips Provide a clear vacancy timeline and details of any renovation work—underwriting differentiates between passive vacancy and active construction. Include prior loss history for the property and any active or recent claims related to water, theft, or vandalism. Photos of the property (interior and exterior), contractor details for renovations, and a schedule of values for builders risk submissions help speed approval. Expect stricter underwriting when properties are vacant for extended periods or located in higher-risk areas. Why Work With Jacobs & Associates Jacobs & Associates specializes in placing challenging vacant property risks through a range of non-admitted carriers. Their strengths for agents include: Access to multiple E&S markets for hard-to-place vacant dwellings and builders risk Clear use of ISO forms so coverage scope is predictable and consistent Flexible short-term policy terms and payment options to match transaction timelines Underwriting that accommodates properties with controlled renovation activity Example Scenarios You might have a client who owns a vacant duplex while waiting for a sale and needs short-term property and liability protection without committing to a long-term policy. Or, a commercial investor renovating a small retail strip center requires builders risk and premises liability coverage between tenants—this program can provide a temporary solution while renovations are completed. Learn more about Jacobs & Associates on their CompleteMarkets profile. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include vacant residential homes and duplexes, commercial buildings between tenants or under renovation, and short-term builders risk for both residential and commercial projects. Is this program available outside of Ohio?No. This Vacant Dwelling Insurance program is currently offered only for risks placed in Ohio. Are theft and water damage covered under this policy?No. The program excludes coverage for theft and water damage, so consider additional or alternative coverage if those perils are a concern. Can I get coverage for a property undergoing renovations?Yes. Both residential and commercial properties with active renovations are eligible, but underwriting will require details about the scope of work and contractor controls. What are the available policy terms?Policies may be written for 3, 6, or 12 months. Quarterly payment plans are available on 12-month policies. Need help placing an account? Connect with a market specialist.