Colonial General Insurance Agency, Inc. offers a specialized Adoption and Foster Placement Insurance program that helps independent agents and brokers place tailored coverage for clients in the foster care and adoption space. Leveraging access to A.M. Best A+ rated carriers, Colonial General delivers comprehensive solutions through a streamlined underwriting workflow and focused human-services expertise.
Overview of the Program From Colonial General
This program addresses the liability, professional exposure, and operational risks commonly faced by foster care and adoption providers. Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, using carrier relationships to place accounts that may be difficult to place in standard markets. The program supports both individual licensed foster homes and agency-level operations with coverages sized to match each client’s services and footprint.
Ideal Accounts and Appetite
Colonial General targets the following account types:
- Private and nonprofit adoption agencies
- Foster care placement organizations
- Individual licensed foster homes
- Group homes and youth residential facilities (subject to underwriting)
Programs involving high-risk youth, 24/7 care, intensive behavior-management programs, or significant prior losses are considered but typically require enhanced underwriting review and may be placed in non-admitted markets.
Coverage Highlights and Advantages
Agents can assemble a complete program of coverages to address common exposures faced by foster care and adoption providers:
- General Liability
- Professional Liability (Errors & Omissions)
- Directors & Officers (D&O)
- Employment Practices Liability
- Sexual Misconduct Liability
- Property and Auto
- Workers’ Compensation
- Umbrella Liability
These coverages can be written for single-family foster homes up to multi-county agency operations, allowing you to tailor limits and endorsements to licensing and contractual requirements.
Underwriting Notes and Minimum Premiums
Each submission is individually underwritten. Pricing and eligibility are driven by factors such as the size of the operation, services provided, staff training and screening practices, background checks, physical plant conditions, and loss history. Colonial General works with agents to identify the appropriate admitted or E&S market for each account; a minimum premium is determined per submission and discussed during quoting.
Territories and Availability
This program is available to licensed agents and brokers in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
Coverages may be placed on an admitted or non-admitted basis depending on state regulation and the profile of the risk.
Why Work With Colonial General on This Business
Colonial General combines regional market relationships, sector-specific underwriting experience, and access to A.M. Best A+ carriers to help you place challenging foster care and adoption accounts. Their team is accustomed to the documentation and licensing requirements common to human services providers and can guide agents through placement options, endorsements, and risk-mitigation suggestions.
Example: You might have a nonprofit foster placement agency operating across several counties that needs combined general liability, professional liability, and D&O coverage to meet funder and licensing requirements. Colonial General can coordinate submissions across admitted and E&S markets to assemble a compliant package.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is best for private and nonprofit adoption agencies, foster placement organizations, and licensed individual foster homes operating in the Western U.S.
Which states is this program available in?
Coverage is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Are both admitted and non-admitted markets used?
Yes. Colonial General will consider admitted placements where available and appropriate, and use E&S markets when a risk requires broader terms or when state markets are limited.
Can small individual foster homes get coverage through this program?
Yes. The program includes options tailored for individual licensed foster homes as well as larger agency operations, with limits and endorsements adjusted to the size and services of the home.
What liability lines are commonly available?
Common liability lines include General Liability, Professional Liability, D&O, Employment Practices, Sexual Misconduct Liability, and Umbrella coverage.
Need help placing an account? Connect with a market specialist.