If you place business for child care providers that transport children by van, Colonial General Insurance Agency, Inc. offers a specialized Day Care Van Insurance program designed for that exposure. With access to multiple admitted and non-admitted markets and flexible coverage options, Colonial General helps you place risks for licensed day care transport vehicles operating across the Western United States.
Overview of the Program From Colonial General
Colonial General is a Managing General Agency and Excess & Surplus Lines broker with focused transportation products for the child care industry. This program is tailored for licensed day care centers that operate passenger vans to transport children to and from the facility, school, field trips, or other approved activities. Multiple carrier options and underwriting flexibility allow you to address both auto liability and physical damage needs for single vans or small fleets.
Ideal Accounts and Appetite
This program is a good fit when your client is a licensed commercial day care center that owns and operates one or more passenger vans for business-related child transport. Typical placements include:
- Licensed child care centers with one or several passenger vans
- Facilities transporting children locally or regionally (up to a 500-mile radius)
- Operators with documented safety protocols and clean driving records
Restrictions: Colonial General does not provide coverage for in-home day care vans.
Examples you might place: a neighborhood day care that runs a single 12-passenger van for drop-off and pick-up, or a small regional center that operates a two-van fleet for local field trips and after-school transport.
Coverage Highlights and Advantages
Key features of the Day Care Van Insurance program include:
- Auto liability limits up to $1 million CSL (Combined Single Limit)
- Physical damage with deductible choices from $500 to $5,000
- Operations radius up to 500 miles
- Ability to structure limits and deductibles to meet client budgets and risk tolerance
Whether you are placing a single van or a small fleet, the program’s carrier panel and underwriting flexibility help you tailor a solution to the account’s needs.
Underwriting Notes and Minimum Premiums
Underwriting focuses on driver qualifications, vehicle use, and safety procedures. Colonial General reviews each submission individually and will consider factors such as driving records, training programs, vehicle maintenance, and supervision practices. Pricing and minimum premiums vary by carrier, state, and exposure; agents can expect competitive options across admitted and non-admitted markets where available.
Territories and Availability
This program is currently available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Admitted markets may be available in select states; Colonial General can confirm state-specific eligibility and market access on a submission-by-submission basis.
Why Work With Colonial General?
Colonial General combines niche auto underwriting expertise with a responsive, agent-focused approach. Their access to a variety of carriers—both admitted and non-admitted—gives you placement options when standard markets are limited. The MGA’s emphasis on transportation risks for child care providers means underwriters understand the exposures and can work with you to structure practical coverage and pricing.
If you have a client who operates a licensed day care center and needs coverage for transport vehicles, Colonial General can help you find the right protection. Need help placing an account? Connect with a market specialist.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed commercial day care centers that use passenger vans to transport children are the primary target. In-home day care providers and private shuttle services that are not licensed day care centers are not eligible.
What coverage limits are available?
The program offers auto liability limits up to $1 million CSL and physical damage with deductible options ranging from $500 to $5,000, depending on the carrier and account profile.
Is this program available in all states?
No. Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets may be offered in some states; Colonial General can advise based on the submission.
Can I write coverage for a single van?
Yes. The program accommodates single-vehicle risks as well as small fleets, provided the operation meets underwriting criteria.
Are admitted markets available?
Some admitted markets are available depending on the state and risk details. Colonial General also offers non-admitted options when admitted capacity is limited.
Need help placing an account? Connect with a market specialist.