Colonial General Insurance Agency, Inc. offers a specialized Halfway House Errors and Omissions Insurance program designed for health care and social service facilities. This program is ideal for agents and brokers seeking coverage solutions for halfway houses that provide voluntary outpatient services or temporary stays. With access to both admitted and non-admitted markets, Colonial General can tailor coverage to meet the unique exposures faced by these facilities.
Ideal Accounts and Appetite
This program targets halfway houses and transitional living facilities that operate within a structured framework and provide services such as rehabilitation, counseling, or community reentry support. Eligible operations typically offer outpatient treatment, temporary residential stays, or social services in a regulated environment.
Examples of good-fit accounts include:
- A nonprofit halfway house providing addiction recovery and counseling services for adult men.
- A transitional facility assisting recently released inmates with job placement and reintegration programs.
Coverage Highlights and Advantages
Agents can access comprehensive coverage on a mono-line or package basis, with flexible limits and optional endorsements tailored to the needs of halfway houses.
Key coverages include:
- Primary Limits up to $3,000,000 Occurrence/Aggregate
- Errors and Omissions Coverage
- Medical Payments Coverage – $5,000 Limit
- Hired and Non-Owned Auto Liability
- Sexual and Physical Abuse Coverage – Limits up to $25,000 per claim / $50,000 aggregate (higher limits available)
- Crime Coverage (optional)
- Property Coverage (optional)
- Additional Interests – $100 Each
Packages can include:
- Professional Liability
- General Liability
- Abuse and Molestation Coverage
- Property Insurance
- Hired and Non-Owned Auto
Underwriting Notes and Deductibles
Minimum deductible starts at $500, with additional deductible options of $2,500 and $5,000 available based on underwriting. Premiums vary depending on facility size, class, and services offered. Both lower and higher limits may be available with carrier approval.
Territories and Availability
This program is available through Colonial General in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Access to some admitted markets is available depending on the risk and location.
Why Work With Colonial General
As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing specialty risks. Their strong relationships with various carriers, combined with a deep understanding of healthcare and social service risks, make them a valuable partner for agents placing halfway house accounts. You’ll benefit from responsive service, underwriting expertise, and tailored coverage solutions that protect your clients and strengthen your portfolio.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for halfway houses and transitional living facilities offering outpatient services, temporary housing, or social rehabilitation programs.
Are both property and liability coverages available?
Yes, coverage can be written on a mono-line or package basis, with options for property, general liability, professional liability, and more.
What is the minimum deductible for Errors and Omissions coverage?
The minimum deductible is $500, with higher deductible options of $2,500 and $5,000 available based on underwriting.
Is coverage available in admitted markets?
Some admitted markets are available depending on the risk profile and location of the insured operation.
In which states is this program available?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Need help placing an account? Connect with a market specialist.