Colsa Advantage, Beyond Insurance

Our agency specializes in tailored insurance solutions for contractors, offering comprehensive coverage to protect your tools, equipment, employees, and job sites. With personalized service, industry expertise, and a commitment to fast claims processing, we ensure you get the right protection while keeping costs affordable. We're dedicated to safeguarding your contracting business and helping it grow and succeed.​
Product Contact
281-815-2003
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Contractor programs:

  • Alarm Contractors, Installers and Security Company
  • ​Cable Laying For Computer Networks
  • Cable TV Installation
  • Communications Equipment Installation
  • Counter Top Installation
  • Driveways, Sidewalks and Parking Areas
  • Drywall
  • Electrical Contractors
  • Fence Construction Contractors
  • Fire Suppression & Sprinkler Contractors
  • Floor Laying Contractors
  • Furniture/Fixture Installation - Office
  • Glass Fabrication, Glazing & Installation
  • Grading & Excavation Contractors
  • Home Theater Installation
  • House Furnishings Installation
  • HVAC Contractors
  • Irrigation or Drainage Systems
  • Janitorial Services​
  • Landscaping Services
  • ​Lawn and Garden Sprinkler Installation
  • Lawn Care
  • Lighting Installation
  • Monument Engraving and Installation
  • Painting Contractors - Interior only
  • Paving & Road Contractors
  • Pest Control Services
  • Plumbing Contractors
  • Pool & Spa Contractors
  • Refrigeration System Comm'l Install & Repair
  • Sign Fabrication and Installation
  • Telephone Equipment Installation
  • Tile, Marble, Terrazzo & Mosaic Contractors
  • Tree Service & Arborist
  • Utility Line Contractors
  • Wall Covering Contractors
  • Water Softening Equipment Installation

​We offer comprehensive insurance packages specifically designed to meet the unique needs of Contractors. Special features and coverages including, but not limited to:

  • General Liability
    • ​Comprehensive General Liability - Limits to $1M each occurrence / $2M aggregate
    • Premises Liability
    • Employee Benefits Liability
    • Per Location / Per Construction General Aggregate limit
    • Property Damage Extension Endorsement
    • Limited Professional Liability Coverage - Contractors
    • Limited Pollution Liability Coverage - Work Sites
  • Property
    • Building
    • Contents
    • Business Income
    • Crime
    • Boiler
    • Equipment Breakdown Coverage
    • Special Causes of loss Coverage
    • Property Enhancement Coverage Extension
    • Inland Marine Coverage
  • Automobile
    • ​Owned, Non-owned and Hired Autos
    • Hired Car Physical Damage including loss of use
    • Zero Deductible glass
    • Single Deductible on Comprehensive Physical Damage (per occurrence)
    • Lease Gap Coverage
    • Towing
    • Electronic Equipment
    • Rental Reimbursement
  • Crime and Fidelity
    • ​Employee Dishonesty
    • Money and Securities
    • Money Orders and Counterfeit Paper Currency
  • Umbrella
    • ​Large Excess Limits available
  • Workers' Compensation

Additional Coverages and Limits:

  • Excess Liability (limits up to $25M)
  • Umbrella Liability (limits up to $5M)
  • Inland Marine (limits up to $10M)
  • ​Contractors Pollution Liability
  • Wildfire Liability Protection
  • Employment Practices Liability
  • Cyber Liability
Coverage(s) described may not be available in all states / areas and are subject to Underwriting. Coverage(s) descriptions are abbreviated and are subject to policy terms, conditions, limitations, and exclusions. If there is any conflict between the coverage(s) descriptions within this page / website and the actual insurance policy, the policy provisions will prevail.  Certain coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds.