Landowners Insurance Program from Colonial General Insurance Agency, Inc.
Colonial General Insurance Agency, Inc. offers a flexible Landowners Insurance program designed to meet the needs of clients with vacant land, real estate development sites, or land leased to third parties. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides access to a variety of markets—both admitted and non-admitted—across several western states.
This program is ideal for agents and brokers seeking reliable coverage options for clients who own land with minimal or no physical structures, or who lease their land for activities such as farming, grazing, hunting, or mineral extraction. With broad underwriting capabilities and high liability limits available, Colonial General helps you place accounts that may not fit in 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 (e.g., hiking, fishing, camping)
- Land leased to others for grazing, farming, hunting, parking, or other uses
- Real estate development sites awaiting construction
- Land used for commercial activities such as strip mining or quarries
Example scenarios include a client who owns 100 acres of rural land leased for seasonal cattle grazing, or a property investor holding multiple parcels of undeveloped land intended for resale or future construction.
Coverage Highlights and Advantages
Policy Highlights:
Coverage available for vacant land, real estate development property, and land leased to others.
Tenant use of land leased to others can be for grazing, hunting, camping, fishing, parking, farming, hiking, cross-country skiing, strip mining, quarries, etc. The tenant should provide evidence of insurance to the owner, and include the owner as an additional insured.
Commercial General Liability Coverage available:
- Primary limits up to $3,000,000 Occurrence / Aggregate
- $5,000 Medical Payment Coverage — Included
- Additional Interests — $100 each
- Excess or Umbrella limits up to $25,000,000
- No deductible required
Underwriting Notes and Minimum Premiums
Colonial General works with a range of carriers to structure coverage tailored to the land use and exposure. While minimum premium information is not specified, accounts with clear land use and risk profiles are more likely to be placed efficiently.
Submissions should include clear details on land location, acreage, intended use, and any tenant agreements. Tenants should carry their own insurance and name the landowner as an additional insured when applicable.
Territories and Availability
This Landowners Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some territories, while others may be placed through excess and surplus lines carriers.
Why Work with Colonial General Insurance Agency?
Colonial General has deep experience in niche property and liability risks across the western U.S. As an MGA and E&S broker, they offer access to multiple markets and tailored underwriting for non-standard exposures like vacant land and leased acreage. Their responsive team helps agents and brokers find solutions for hard-to-place risks and can guide you through submission requirements to streamline the placement process.