Landowners Insurance Program from Colonial General Insurance Agency, Inc.
Colonial General Insurance Agency, Inc. offers a flexible Landowners Insurance program for agents and brokers placing risks involving vacant or undeveloped land, real estate development sites, and acreage leased to third parties. As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides access to multiple admitted and non-admitted markets across the western U.S.
This program is designed for insureds who own land with little or no physical improvement or who lease acreage for farming, grazing, hunting, mineral extraction, parking, or other uses. Colonial General’s broad underwriting appetite and access to higher liability capacity help you place accounts that may not fit standard markets.
Ideal Accounts and Target Risks
This program is tailored for property owners with the following types of land:
- Vacant land held for investment or future development
- Undeveloped land used for recreational purposes (hiking, fishing, camping)
- Land leased to others for grazing, farming, hunting, parking, or similar uses
- Real estate development sites awaiting construction
- Land used for commercial activities such as strip mining or quarries
Example fits: a client who owns 100 acres leased seasonally for cattle grazing, or an investor holding multiple undeveloped parcels intended for resale or future construction.
Coverage Highlights and Advantages
Policy Highlights:
Coverage is available for vacant land, development property, and land leased to others. Tenant uses can include grazing, hunting, camping, fishing, parking, farming, hiking, cross-country skiing, strip mining, quarries, and similar activities. When tenants occupy the land, they should maintain their own insurance and name the owner as an additional insured.
Commercial General Liability coverage available:
- Primary limits up to $3,000,000 occurrence / aggregate
- $5,000 Medical Payments — included
- Additional interests — $100 each
- Excess/umbrella capacity up to $25,000,000
- No deductible required on many placements
Underwriting Notes and Minimum Premiums
Colonial General works with a range of carriers to structure coverage that matches the land use and exposure. While a single minimum premium is not specified, accounts with clear, documented land use and tenant agreements place more efficiently. Underwriting will evaluate acreage, access, proximity to public areas, known hazards, and tenant operations.
Submissions should include land location, acreage, intended use, a description of tenant activities, and copies of any tenant agreements. Evidence of tenants’ insurance and requests to add the landowner as an additional insured will help speed placement.
Territories and Availability
This Landowners Insurance program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states; other placements may require excess & surplus solutions through Colonial General’s E&S capabilities.
Why Work with Colonial General Insurance Agency?
Colonial General brings niche expertise placement for non-standard property and liability risks across the western U.S. As an MGA and E&S broker, they offer access to multiple markets and flexible underwriting for vacant land, leased acreage, and development sites. Their team assists agents and brokers with submission requirements and can help structure liability and excess layers for higher-limit needs.