Colonial General Insurance Agency, Inc. offers a specialized insurance solution tailored for social service organizations. Whether your client is a nonprofit or a for-profit agency, this program is built to address the unique risks faced by social service providers. With expert underwriters and responsive claims handling, Colonial General delivers flexible, reliable coverage options for a wide range of human services operations.
Ideal Accounts and Appetite
This program is designed for agents placing coverage for social service clients operating in various care and counseling environments. Target classes include:
- Adoption and foster care placement agencies
- Substance abuse treatment centers
- Mental health counseling services
- Domestic violence shelters and advocacy centers
- Residential care and group home facilities
- Developmental disability programs
- Special needs schools and therapeutic education centers
If you have a client offering community-based care, behavioral health support, or residential services, this program may be an excellent fit.
Coverage Highlights and Advantages
This program is structured to meet the complex coverage needs of social service providers. Each policy is uniquely underwritten and offers separate limits of liability. Available on an occurrence or claims-made basis, depending on the risk profile.
- Professional Liability: Includes coverage for employees, contracted staff, and medical professionals such as physicians.
- Abuse and Molestation: Physical and sexual abuse liability coverage is available.
- General Liability: Features include a blanket additional insured endorsement for funding sources and specialized broadening endorsements for social service operations.
- Property Coverage: Includes inland marine, crime, equipment breakdown, and blanket limits with agreed amount options.
- Auto Liability and Physical Damage: Coverage for owned, hired, and non-owned vehicles.
- Management Liability: Coverage includes Directors & Officers (D&O), Employment Practices Liability Insurance (EPLI), and fiduciary liability.
- Excess Liability: Limits available up to $10,000,000.
Underwriting Notes and Market Access
Colonial General works with a variety of carriers, offering access to both admitted and non-admitted markets depending on the type of risk and state. Each submission receives personalized attention from underwriters who specialize in social service operations.
Minimum premium requirements vary by risk and carrier. Please contact Colonial General for specific underwriting guidelines and eligibility criteria.
States Available
This Social Services Organizations Insurance program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Why Work With Colonial General?
Colonial General is a Managing General Agency (MGA) and Excess & Surplus Lines Broker with deep expertise in the social services sector. Their underwriters are committed to understanding the nuances of human service risks and providing tailored solutions that meet your clients’ operational and funding requirements. Agents benefit from responsive service, broad market access, and a knowledgeable partner who understands the challenges of placing social service accounts.
Whether you're working with a small counseling center or a multi-location residential facility, Colonial General can help you secure comprehensive, competitive coverage that protects your client's mission and operations.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for social service providers such as adoption agencies, substance abuse programs, mental health counseling centers, and residential care facilities.
Is this program available for both nonprofit and for-profit organizations?
Yes, Colonial General offers coverage solutions for both nonprofit and for-profit social service entities.
Are abuse and molestation coverages included?
Yes, coverage for physical and sexual abuse or molestation is available as part of the program.
Which states is this program offered in?
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
What types of liability limits are available?
Limits vary by coverage, with excess liability available up to $10,000,000. Each policy includes separate limits of liability.
Need help placing an account? Connect with a market specialist.