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RESTAURANT/FOOD SERVICE INSURANCE Empire State Brokerage Services LLC offers a focused Food Service Insurance program designed for a broad range of food and beverage operations. With access t...s’ compensation, assault and battery, food spoilage, business interruption, an...

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...perate heavy equipment for site preparation. This program is ideal for contrac...land grading, excavation, and site preparation for private development project...

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...ation operation with gas pumps and food service, SIU can help you secure broad... or without gas sales, locations with food preparation (meeting fire suppression requi...

...pair that service with an elevated food experience—accounts that often don’t f...ry focus on wine service and a robust food menu are ideal. Establishments shou...

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Policy Highlights: 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.

Policy Highlights for Foreclosure Cleanup Insurance: Colonial General Insurance Agency, Inc. offers a focused Foreclosure Cleanup Insurance program for contractors and vendors who prepare foreclosed or evicted properties for resale or re-occupancy. This program is designed for businesses that provide debris removal, general cleaning, cosmetic repairs and exterior maintenance for residential and commercial properties following foreclosure or eviction events. Ideal Accounts and Appetite This program is intended for specialty cleanup operations that perform non-structural work, including: Debris and trash removal General interior cleaning Cosmetic repairs such as painting and drywall touch-ups Carpet removal and installation Floor refinishing Landscape maintenance Eligible property types include single-family homes, condominiums, apartment complexes, and commercial buildings. Operations should generally be limited to non-structural improvements and cosmetic maintenance aimed at preparing a property for resale or occupancy. Coverage Highlights and Advantages Commercial General Liability Coverage available: Primary limits up to $3 million per occurrence and aggregate Excess or umbrella limits available up to $25 million Included at no additional charge: Lost Key Coverage – $25,000 limit Medical Payments – $5,000 limit Blanket Additional Insureds – when required by contract or permit Primary and Noncontributory wording – for CG 20 33 endorsements Waiver of Subrogation – blanket coverage per prior written agreement Per-project aggregate Property Coverage available: Building and contents Business income Computer equipment Equipment breakdown Outside signs Accounts receivable Valuable papers Inland marine Basic, broad, or special form Replacement cost or actual cash value (ACV) Crime Coverage available: Inside the premises – theft of money and securities Inside the premises – robbery or safe burglary of other property Outside the premises Underwriting Notes and Market Access Colonial General operates as a Managing General Agency and Excess & Surplus Lines Broker with access to a range of admitted and non-admitted carriers, allowing flexibility based on each risk profile. Markets vary by account characteristics and location. Target accounts are light-to-moderate hazard cleanup operations. Heavy construction, structural renovations, full-scale remodeling, and specialized services such as mold remediation or asbestos abatement are typically outside the program’s appetite. Territories and Availability This program is currently available in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Why Work With Colonial General? Colonial General provides experienced underwriting for niche property and liability risks and works with agents to place accounts that can be difficult to insure in standard markets. Their underwriting team understands the exposures specific to foreclosure cleanup operations and can tailor package solutions across general liability, property, and crime coverages. Whether you represent a small local cleanup contractor or a regional firm handling multiple properties, Colonial General can help place competitive coverage with flexible admitted or E&S options and value-added endorsements that meet contractual requirements. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that fit best are businesses performing non-structural cleanup and cosmetic maintenance on foreclosed or evicted properties, such as trash removal, cleaning, minor repairs, flooring work, and landscaping. Are both residential and commercial properties eligible?Yes. The program accepts operations on residential homes, condos, apartments, and commercial properties, provided the services fall within the approved, non-structural scope. What states is this program available in?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Is this an admitted or non-admitted program?Colonial General can access both admitted and non-admitted markets depending on the risk profile and location, offering flexibility for placement. Does the program include any value-added coverages?Yes. Several value-added coverages are included at no additional charge, such as Lost Key Coverage, Medical Payments, Blanket Additional Insureds, Primary and Noncontributory wording, and Waiver of Subrogation. Need help placing an account? Connect with a market specialist.