Colonial General Insurance Agency, Inc. offers a comprehensive Assisted Living Insurance program built for independent agents and brokers placing senior living facilities. Our recently expanded program delivers broader coverage options and lower base rates, making it easier to place assisted and independent living operations throughout the Western United States.
Overview of the Program From Colonial General
This program addresses the liability and operational exposures unique to senior living communities. As a managing general agency and excess & surplus lines broker, Colonial General provides access to specialized markets and flexible underwriting to match the needs of both independent living and assisted living operators. Whether the facility is a standalone independent living community or a full-service assisted living facility, you can find tailored solutions under this program.
Ideal Accounts and Appetite
We are focused on placing accounts that demonstrate good management, safety practices, and favorable loss histories. Typical targets include:
- Assisted living facilities providing non-medical support and custodial care
- Independent living communities
- Facilities with documented safety protocols, staff training, and regulatory compliance
- New ventures operated by experienced management teams (considered on a case-by-case basis)
Example fits: you might have a 40-bed independent living community in Utah with strong resident-safety programs, or a multi-location assisted living group in Arizona with centralized risk management—both could be competitive submissions.
Coverage Highlights and Advantages
Key features and recent enhancements to the Assisted Living Insurance program include:
Standard coverage features:
- Lower base rates for assisted and independent living accounts
- Occurrence-based coverage available for independent living operations
- Assault and battery exclusion removed
- Medical payments for non-residents available with $2,500 and $10,000 limits
Broader coverage options:
- Higher sexual abuse and molestation limits
- Defense costs outside the policy limits
- Punitive damages coverage (where allowed)
- Split limits and communicable disease coverage
- Expanded territorial coverage and credits for favorable venue locations
Underwriting Notes and Minimum Premiums
Underwriting is case-specific. The team reviews facility size, services, staffing levels, management experience, licensure, and claims history. Minimum premiums and program placement options vary by carrier and risk profile; we work to offer competitive pricing and solutions that allow you to retain business. For best results, include loss runs, staffing and training descriptions, and any written safety or infection-control programs with your submission.
Territories and Availability
The program is available in: AZ, CA, CO, ID, NV, NM, UT, and WY. Both admitted and non-admitted options may be available depending on the location and risk characteristics.
Why Work With Colonial General
Colonial General combines niche senior-living expertise with multicarrier access as an MGA and E&S broker. We offer responsive quoting, flexible underwriting, and placement capability across specialty markets. Our team collaborates with agents to structure coverages that address resident exposures, abuse/molestation concerns, regulatory issues, and catastrophic loss scenarios—helping you grow and retain your book of business.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program best serves assisted and independent living facilities that emphasize resident safety, have documented management and safety practices, and maintain favorable loss histories. New ventures with experienced operators will be considered.
Are both admitted and non-admitted markets available?
Yes. Depending on the state and the risk profile, we can access both admitted and non-admitted markets to secure the appropriate coverage and pricing.
Is occurrence-based coverage available?
Occurrence-based coverage is available for independent living operations under this program; other coverages may be offered on a claims-made or occurrence basis depending on carrier guidelines.
What states is this program available in?
The Assisted Living Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Can I submit new ventures?
Yes. New ventures are considered, particularly when supported by experienced management, clear operational plans, and strong safety protocols.
Need help placing an account? Connect with a market specialist.