Colonial General Insurance Agency, Inc. offers a specialized Allied Healthcare Insurance program designed to meet the unique needs of a wide range of allied health professionals. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents and brokers access to flexible coverage options across multiple states.
Overview of the Program From Colonial General
This program is tailored for independent agents and brokers seeking coverage solutions for allied health clients. Colonial General understands the liability exposures that healthcare service providers face and offers both Professional Liability and General Liability coverage on an occurrence or claims-made basis. Property coverage is also available, typically through a Business Owner’s Policy (BOP).
Ideal Accounts and Appetite
Colonial General’s Allied Healthcare Insurance program is a strong fit for many classes of allied health providers. Eligible classes may include, but are not limited to:
- Home health aides
- Physical and occupational therapists
- Medical clinics and wellness centers
- Behavioral health professionals
- Medical staffing and nurse registries
If you have clients operating in outpatient care, rehabilitation, or providing non-emergency medical services, this program may be an excellent match. Accounts with a clean loss history and strong operational protocols are especially attractive.
Coverage Highlights and Advantages
- Professional Liability and General Liability available on occurrence or claims-made forms
- Property coverage available via BOP for eligible risks
- Flexible underwriting across a wide array of allied health classes
- Access to both admitted and non-admitted markets (some available admitted options)
- Customizable limits and endorsements based on client needs
Example: You might have a client who operates a small physical therapy clinic with three licensed therapists and minimal claims history. Colonial General can help you place this risk with appropriate liability and property coverage under a single policy.
Underwriting Notes and Minimum Premiums
Minimum premium requirements may vary depending on the class of business, coverage limits, and risk characteristics. While no specific minimum is listed, Colonial General works with agents to find competitive solutions for qualified accounts. Submission requirements may include a completed application, details on services provided, licensing, and loss history.
Territories and Availability
This program is available in the following states: Arizona (AZ), California (CA), Colorado (CO), Idaho (ID), Nevada (NV), New Mexico (NM), Utah (UT), and Wyoming (WY). Agents in these regions can leverage Colonial General’s access to multiple carriers to find the right fit for their clients.
Why Work With Colonial General on This Business
With decades of experience in the healthcare and allied health markets, Colonial General offers reliable underwriting, responsive service, and access to a range of carrier partners. Their expertise in E&S and admitted markets allows agents to effectively place both standard and hard-to-place risks. Whether your client is a solo practitioner or a multi-location provider, Colonial General is ready to support your placement needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
The program targets allied health professionals such as home health aides, therapists, outpatient clinics, and wellness providers with a clean loss history and solid operational procedures.
What coverages are available through the Allied Healthcare program?
Professional Liability and General Liability (on occurrence or claims-made forms) are available, along with property coverage typically offered under a Business Owner’s Policy.
Is this program available on an admitted basis?
Some admitted markets are available, but availability may vary by state and class of business. Colonial General also offers access to non-admitted options through its E&S channels.
What states is this program available in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What is needed to submit a quote request?
Typically, a completed application, details on services offered, licensing information, and recent loss history are required for underwriting review.
Need help placing an account? Connect with a market specialist.