Nursing Home Van Insurance

Overview of the Program From Colonial General

Colonial General brings decades of experience as a Managing General Agency and Excess & Surplus Lines Broker, providing tailored transportation programs across the Western U.S. Our Nursing Home Van Insurance program is designed to meet the unique risks faced by nursing homes and elder care facilities that transport residents for medical appointments, outings, or treatment centers. This program supports agents looking to place specialized auto liability and physical damage coverage for commercial passenger vans.

Ideal Accounts and Appetite

This program is ideal for facilities providing non-emergency transportation for elderly or disabled residents, particularly those under Medicare or Medicaid contracts. We work with agents placing business for nursing homes, assisted living facilities, and long-term care providers that operate vans with passenger seating. However, please note:

• We generally do not have markets for wheelchair-accessible vehicles in most states.
• Facilities must hold valid Medicare or Medicaid transportation contracts.

If you have a client operating multiple vans with scheduled routes for residents, or a mid-sized nursing home transporting patients up to 500 miles away for care, this program could be a strong fit.

Coverage Highlights and Advantages

• Commercial Auto Liability limits available up to $1,000,000 Combined Single Limit (CSL).
• Meets state and federal liability requirements based on passenger seating capacity (up to 1.5 million).
• Physical damage coverage with flexible deductible options ranging from $500 to $5,000.
• Radius of operation up to 500 miles.
• Cargo limits up to $100,000, including coverage for refrigerated cargo breakdown.

This package offers robust protection for both the vehicles and the sensitive cargo being transported—your clients' residents.

Underwriting Notes and Minimum Premiums

Underwriting is handled on an account-by-account basis, with consideration given to experience, safety protocols, and compliance with Medicaid/Medicare standards. While no specific minimum premium is listed, we encourage agents to contact us for details based on vehicle count and coverage selections.

Territories and Availability

This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; otherwise, coverage is placed through non-admitted carriers as needed.

Why Work With Colonial General?

Colonial General is a trusted MGA and E&S broker with deep experience in transportation and niche healthcare-related risks. We offer access to a variety of markets and flexible underwriting for agents working with specialized accounts. Whether your client operates a single van or a fleet, we can help you place reliable coverage tailored to their needs.

Frequently Asked Questions

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