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Colonial General Insurance Agency, Inc.
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Colonial General Insurance Agency, Inc.
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Adult Day Care Insurance

Policy Highlights:

Colonial General Insurance Agency, Inc. offers a comprehensive Adult Day Care Insurance program designed for licensed facilities that provide social and supervisory services for adults. This program is available on a mono-line or package basis and is ideal for agents and brokers seeking reliable coverage solutions for adult day care centers operating in AZ, CA, CO, ID, NV, NM, UT, and WY.

Ideal Accounts and Appetite

This program is tailored for adult day care centers that offer non-medical care, supervision, and structured activities for elderly or disabled adults. Ideal accounts include:
  • Licensed adult day care facilities
  • Centers providing social and recreational programs
  • Facilities with no overnight or residential services
Facilities with a strong focus on safety, staff training, and regulatory compliance are preferred. The program is not intended for full-time residential care centers or unlicensed operations.

Coverage Highlights and Advantages

Commercial General Liability:
  • Primary limits up to $3,000,000 Occurrence / Aggregate
  • Excess or Umbrella limits available up to $25,000,000
  • Medical Payments Coverage – $5,000 limit
  • Errors and Omissions Coverage Part
  • Sexual and Physical Abuse Coverage – up to $100,000 per claim / $300,000 aggregate (higher limits optional)
  • No deductible required
  • Additional Interests included

Crime Coverage:
  • Inside the Premises – Theft of Money and Securities
  • Inside the Premises – Robbery or Safe Burglary of Other Property
  • Outside the Premises

Property Coverage:
  • Building and Contents
  • Business Income and Equipment Breakdown
  • Computer Equipment
  • Food Spoilage
  • Outside Signs
  • Valuable Papers and Accounts Receivable
  • Basic, Broad, or Special Form
  • Replacement Cost or Actual Cash Value (ACV) options

Underwriting Notes

Colonial General works with a variety of carriers to place coverage on either an admitted or non-admitted basis, depending on the state and specific risk. While no specific minimum premium is listed, competitive pricing is available based on risk characteristics. Accounts are reviewed individually to ensure proper fit and coverage structure.

Territories and Availability

This program is available to licensed agents and brokers in the following states:
  • Arizona (AZ)
  • California (CA)
  • Colorado (CO)
  • Idaho (ID)
  • Nevada (NV)
  • New Mexico (NM)
  • Utah (UT)
  • Wyoming (WY)
Availability may vary by risk and carrier appetite in each state.

Why Work With Colonial General?

Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in niche human services risks, including adult day care operations. By partnering with a range of markets, Colonial General is able to offer flexible, competitive solutions for both standard and hard-to-place accounts. Their knowledgeable underwriters are focused on helping agents place coverage efficiently and accurately.

If you have a client operating a licensed day care center for seniors or adults with disabilities, this program can help you secure the comprehensive protection they need, from liability and property to crime and abuse coverage.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Licensed adult day care centers that provide non-residential, social, or supervisory services for adults are ideal. Facilities must meet state licensing requirements and typically do not offer overnight care.

Is this program available on an admitted basis?

Some markets are admitted, while others may be non-admitted depending on the state and risk profile. Colonial General will help you find the right placement.

Can I package property and liability coverage together?

Yes, both mono-line and package options are available. You can combine property, general liability, crime, and abuse coverages to meet your client’s needs.

Are higher limits available for abuse and molestation coverage?

Yes, while the base limits are $100,000 per claim and $300,000 aggregate, higher limits may be available upon request and underwriting approval.

Which states is this program available in?

This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY through licensed agents and brokers.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Excess & Surplus Lines Broker
  • Admitted:
    Some Available Markets
  • Carriers:
  • Carrier Ratings:
    A.M. Best A+ Rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

8475 E. Hartford Drive, 100
Scottsdale, AZ 85255
855-980-7480
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APPLICATIONS

AGENCY LICENSING

If you would like to become contracted with Colonial General, please fill out the agency agreement below and provide a copy of your license and E&O declaration page.

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Colonial General Insurance Agency, Inc. has other insurance programs like Accountants Professional Insurance.