Colonial General Insurance Agency, Inc. offers a focused Boat Dock Construction Insurance program for contractors who build and install docks, piers and boat lifts. Whether your clients use barges during construction or install complex marine structures, this program provides tailored property and liability protections designed for marine construction exposures.
Ideal Accounts and Appetite
This program is a fit for contractors who specialize in:
- Boat dock and pier construction
- Installation of boat lifts and related marine equipment
- Use of barges, floating platforms, or other marine construction equipment
Colonial General prefers accounts with proven marine construction experience and strong safety programs. The appetite targets small to mid-sized contractors operating in the western United States; complex or large-scale marine contractors may require submission to specialty markets.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 per occurrence / aggregate
- $5,000 Medical Payments included
- Blanket Additional Insured endorsement available
- Blanket Waiver of Subrogation available
- Per-project aggregate options
- Excess/Umbrella limits up to $25,000,000
Property Coverage Options:
- Basic, Broad, or Special form available
- Building and Contents coverage
- Business Income and Equipment Breakdown
- Computer Equipment and Inland Marine coverages
- Outside Signs and Valuable Papers
- Accounts Receivable coverage
- Replacement Cost or Actual Cash Value valuation options
Crime Coverage Available:
- Theft of Money and Securities (inside the premises)
- Robbery or Safe Burglary of other property
- Coverage for exposures outside the premises
Underwriting Notes and Minimum Premiums
Colonial General can write monoline General Liability or Property policies, or combine coverages into a package policy to match your client's operations. Minimum premiums and pricing vary by state, coverages selected, and loss history; competitive and flexible structures are available for qualified risks. The program places business through a variety of markets, offering admitted and non-admitted options depending on state and risk characteristics.
Territories and Availability
This program is currently available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General is actively seeking new agency relationships in these states.
Why Work With Colonial General?
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General brings niche expertise in marine and construction markets. Agents benefit from access to multiple carriers, dedicated underwriting for dock/pier builders, and a service-focused placement team that understands marine construction exposures.
Example account fits: you might have a contractor that installs private docks and boat lifts for lakefront homeowners, or a small firm that builds commercial piers and uses barges for material handling—both are the types of risks this program was designed to place.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Contractors that build or install boat docks, piers, and boat lifts—especially those who use barges or work in marine environments—are a strong fit.
Can I write a monoline General Liability policy?
Yes. The program supports monoline General Liability or Property policies, or a packaged solution depending on your client's needs.
What is the maximum available limit for umbrella coverage?
Excess or umbrella liability limits are available up to $25,000,000, subject to underwriting and market capacity.
Is this program available in all states?
No. Coverage is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY.
Do you offer admitted and non-admitted options?
Yes. Some markets in the program are admitted while others are non-admitted; availability depends on the state and the specific risk profile.
Need help placing an account? Connect with a market specialist.