Colonial General Insurance Agency, Inc. offers a flexible and accessible Residential Liability Insurance program designed to help agents and brokers place liability coverage for a range of residential property types and situations. Whether your client is a homeowner seeking personal liability coverage or a property owner with rental or vacant dwellings, this program offers tailored solutions to meet varied needs across the Southwest and Western states.
Ideal Accounts and Appetite
This program is a great fit for:
- Homeowners needing Comprehensive Personal Liability (CPL) coverage for owner-occupied properties
- Property owners seeking Premises Liability on rental, vacant, or seasonal dwellings
- Clients with short-term vacation rental properties (Premises Liability only)
- Risks titled in corporate names (eligible under Premises Liability)
It is not suitable for risks titled under corporate names when applying for CPL, or for properties that are not owner-occupied under CPL coverage.
Coverage Highlights and Advantages
Comprehensive Personal Liability (CPL):
- Follows the insured wherever they go
- Designed for primary, owner-occupied residences
- Corporate-named properties are ineligible
Premises Liability:
- Coverage applies strictly to the insured location
- Available for all types of occupancy—rental, vacant, seasonal, etc.
- Corporate ownership accepted
- Endorsement DL 2411 can be added
Optional Coverages available to further tailor the policy include:
- Medical Payments
- Acreage
- Personal Injury (CPL only)
- Day Care (CPL only)
- Short-term vacation rentals (Premises Liability only)
Underwriting Notes and Minimum Premiums
Colonial General works with a variety of carriers and offers both admitted and non-admitted options depending on the risk and market availability. The underwriting team evaluates each submission carefully based on the occupancy type, ownership structure, and specific liability exposures. While no minimum premium is listed, competitive pricing is available based on risk characteristics.
Territories and Availability
This program is available to agents and brokers placing business in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Why Work With Colonial General?
Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in personal and commercial lines across the Western United States. Their team provides responsive service, flexible underwriting, and access to multiple carriers to help you place even the more challenging residential liability risks.
For example, you might have a client who owns a vacant rental home under an LLC in Nevada—this would be an ideal fit under the Premises Liability option. Or perhaps you’re working with a Utah homeowner who runs a small in-home daycare—this risk could be covered under CPL with the Day Care endorsement.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for owner-occupied homes needing CPL coverage, as well as rental, vacant, seasonal, or short-term vacation homes under Premises Liability.
Can properties titled under an LLC or corporation be covered?
Yes, corporate-named properties are eligible under the Premises Liability option, but not under CPL.
Is this program available in all states?
No, it is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I get coverage for a client offering short-term vacation rentals?
Yes, short-term vacation rentals are eligible under the Premises Liability option.
What optional endorsements are available?
Optional coverages include Medical Payments, Acreage, Personal Injury (CPL only), Day Care (CPL only), and Short-term vacation rental (Premises only).
Need help placing an account? Connect with a market specialist.