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...rmanent foundation -Individual condominiums or townhouse units ...

...l office or retail spaces, and condominiums that are temporarily unoccupied du...

...ant buildings, units in vacant condominiums, and vacant leased spaces • Risks up to 250,000 s... you write properties that have been vacant for a long time?Yes, there is no r...

Vacant Dwelling Insurance Program from J.M. ...ns on how long a property can remain vacant?No, there are no restrictions on t...

...c. offers a flexible, competitive Vacant & Course of Construction Insurance pr... this program?Ideal accounts include vacant residential or commercial building...

Program Highlights for Vacant Dwelling Insurance: Managing vacant dwelling insurance can be a challenge...tes is this program available in?The Vacant Dwelling Insurance program is avai...

Policy Highlights for Condominium Insurance: Colonial General Insurance Agency, Inc. offers a targeted Condominium Insurance program for established community associations where construction and development are complete. This program is built for independent retail agents and brokers who need flexible property, liability, and crime solutions for community associations. Best-fit account types: Single-family homeowner associations (HOAs) Townhouse and townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations The program is available to retail agents and brokers in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can place risks in both admitted and non-admitted markets depending on the state and the account’s profile, giving you more options for harder-to-place exposures. Coverage Highlights and Available Options Property coverage (examples): Accounts Receivable Basic, Broad, or Special Form coverage Building and contents (including common-area property) Business Income / Extra Expense Computer equipment Equipment breakdown Inland marine for scheduled property Outside signs Replacement cost or actual cash value valuation Valuable papers and records Commercial General Liability (CGL): Primary limits available up to $3 million (per occurrence/aggregate) $5,000 Medical Payments included Hired and Non-Owned Auto Liability available Additional insureds / additional interests included at no additional cost where applicable Excess / Umbrella limits available up to $25 million No liability deductible required on many programs Crime Coverage Options: Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage Ideal Accounts and Appetite Colonial General targets well-established, professionally managed residential associations with completed infrastructure and routine maintenance practices. Typical appetites include communities with standard exposures, stable operations, and limited recent losses. Accounts NOT appropriate for this program include new developments, associations still under construction, or projects with significant ongoing developer activity. Example scenarios that often fit: You represent a 150-unit condominium community in Colorado with shared amenities, professional management, and minimal claims history — a good candidate for a combined property and liability placement through Colonial General. A managed townhome association in Nevada seeking property replacement-cost coverage plus a modest umbrella — Colonial General can access admitted or E&S markets to provide options. Why Place Business With Colonial General? As a Managing General Agency and E&S broker, Colonial General combines broad underwriting experience with access to multiple carrier markets. That mix makes the program useful when standard markets are limited or when you need a tailored placement that combines property, liability, and crime coverages. Colonial General emphasizes responsive service, flexible terms (admitted and non-admitted where available), and consolidated placements to reduce carrier fragmentation for your client. Territories and Market Access This Condominium Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place business in admitted markets where available and in non-admitted (E&S) markets when necessary to secure appropriate terms. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. Minimum premium requirements and binding authority vary by carrier and account size. Submit a full exposure summary, copies of declarations pages, loss runs, and details on management and maintenance practices to get the most accurate underwriting response. Frequently Asked Questions What types of accounts are a good fit for this program? Well-established residential community associations — HOAs, townhome communities, and condominium associations with completed construction and professional management are ideal. Is new construction or development eligible? No. The program is designed for completed and operational associations. Associations still in construction or active development are not eligible. Which states is this program available in? The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier and whether admitted markets are offered in a given state. Can I write property and liability together? Yes. Coverages can be written mono-line or packaged to include property, general liability, and crime options depending on the account and carrier appetite. Are there minimum premium requirements? Minimums vary by carrier and account. Contact Colonial General for specific underwriting guidelines and minimum premium thresholds for your submission. Need help placing an account? Connect with a market specialist.

... TARGET CLASSES: Apartments, Condominiums (including owner-occupied with ren...sures, and properties that have been vacant for multiple years. Are vacant properties eligible?Yes. Vacant properties can be considered and, in many cases, multiple years vacant is acceptable. Eligibility and ter...

...licy can easily be converted to a Vacant Structure policy - Offered on an admi...