If you're looking to place coverage for adult day care facilities, Colonial General Insurance Agency, Inc. offers a specialized program that provides robust protection for licensed operations offering social and non-medical services to adults. This program is designed to meet the unique exposures of these facilities and offers flexible underwriting to accommodate a variety of risks.
Ideal Accounts and Appetite
This program is tailored for licensed adult day care centers that provide supervised, structured care and activities for adults—especially seniors—who require assistance during the day. These facilities often support clients with varying levels of mobility, cognitive conditions, or chronic illness, but do not provide overnight care or skilled nursing services.
Ideal risks include:
- Standalone adult day care centers
- Facilities affiliated with senior centers or community organizations
- Operations that offer transportation or meal services
Facilities with a strong safety record, trained staff, and clear abuse prevention protocols are generally preferred.
Coverage Highlights and Advantages
Coverage is available on a mono-line or package basis and includes a range of essential protections:
- Primary Liability Limits: Up to $3,000,000 Occurrence / Aggregate
- Medical Payments: $5,000 Limit
- Errors and Omissions Coverage: Included
- Sexual and Physical Abuse Coverage: Starting at $100,000 Per Claim / $300,000 Aggregate (higher limits available)
- Additional Interests: Automatically included
- No Deductible: Applies to included coverages
- Optional Add-Ons: Crime, Property, Hired & Non-Owned Auto coverage
This comprehensive package helps protect your clients from common exposures such as professional liability, abuse allegations, and day-to-day operational risks.
Underwriting Notes
Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on market availability. Underwriting is flexible but focuses on licensed facilities with appropriate staffing and risk management protocols in place. While no minimum premium is specified, submissions should be complete to ensure efficient quoting.
Territories and Availability
This program is currently available to agents and brokers with risks located 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 specialty markets. Their team understands the unique risks associated with adult day care facilities and provides access to multiple carriers to help you place even the most complex accounts. With streamlined underwriting, competitive coverage options, and responsive service, Colonial General is a reliable partner for brokers focused on the senior services space.
Whether you're working with a small nonprofit facility or a growing regional operator, Colonial General can help you deliver tailored insurance solutions that meet your clients’ needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed adult day care centers offering social and non-medical services to adults are the best fit. Facilities with strong risk management in place are preferred.
Is Errors and Omissions coverage included in the base policy?
Yes, Errors and Omissions coverage is included as part of the standard policy package.
Can I write this coverage on a mono-line basis?
Yes, Colonial General offers both mono-line and package options depending on your client's needs.
Which states is this program available in?
The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are higher limits available for Sexual and Physical Abuse coverage?
Yes, higher limits are available beyond the base $100,000 per claim / $300,000 aggregate. Contact underwriting for options.
Need help placing an account? Connect with a market specialist.