Ideal Accounts and Appetite
This program is ideal for contractors and rental companies that provide construction or heavy equipment along with an operator for use at job sites. These operations often face increased liability risks due to the presence of an employee operating the machinery. Common target classes include earthmoving, grading, crane operations, and other heavy equipment services used in commercial or residential construction projects.
You might have a client who rents out backhoes or bulldozers with trained operators for excavation jobs. Another good fit could be a crane rental company providing lifting services for large construction sites. These types of businesses are a strong match for Colonial General’s offering.
Coverage Highlights and Advantages
Commercial General Liability Coverage:
- Primary limits up to $3,000,000 per occurrence/aggregate
- Additional Interests—$100 each
- $5,000 Medical Payments Coverage—Included
- Excess or Umbrella Limits available up to $25,000,000
- Minimum $1,000 deductible required
Property Coverage Options:
- Accounts Receivable
- Basic, Broad, or Special Form
- Building and Business Personal Property
- Contractor’s Equipment and Equipment Breakdown
- Computer Equipment
- Business Income and Outside Signs
- Replacement Cost or Actual Cash Value (ACV)
- Valuable Papers
Crime Coverage:
- Inside the Premises—Theft of Money and Securities
- Robbery or Safe Burglary of Other Property (Inside the Premises)
- Outside the Premises coverage also available
Underwriting Notes and Minimum Premiums
Coverage is available on a mono-line or package basis, and all submissions require a minimum $1,000 deductible. Each account is underwritten based on the nature of the equipment, operator qualifications, and job site exposures. While minimum premium details are not published, agents should expect competitive pricing for qualifying risks.
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), and Wyoming (WY). Some markets are admitted, while others may be offered on a non-admitted basis depending on state availability and risk profile.
Why Work With Colonial General Insurance Agency?
As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in contractor-related risks and access to a wide range of carriers. Their experienced underwriting team understands the complexities of equipment rental with operator exposures and offers flexible coverage options tailored to your client’s operations. With access to both admitted and non-admitted markets, Colonial General is well-positioned to help agents place hard-to-insure or specialized accounts confidently and efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include contractors and rental operations that provide equipment with operators, such as crane rental services, excavation companies, and construction firms using heavy machinery.
Is this program available for accounts that only rent equipment without an operator?
No, this program specifically targets equipment rental operations that include an operator as part of the rental service.
What states is this insurance program available in?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are both Property and Liability coverages required?
No, the program offers coverage on a mono-line or package basis, depending on your client’s needs.
What underwriting details are needed for a quote?
Underwriters will typically need details on the equipment types, operator experience, rental duration, and job site locations to provide an accurate quote.
Need help placing an account? Connect with a market specialist.