Search CompleteMarkets

...ty and Equipment Protection Automobile (including transport vans for resid... service providers that care for developmentally disabled adults, including those offering ...

...ty and Equipment Protection Automobile (including transport vans for resid... service providers that care for developmentally disabled adults, including those offering ...

Irwin Siegel Agency offers a specialized package insurance program for Human and Social Service Provider Organizations. Built from decades of experience placing nonprofit and community-based accounts, this program combines flexible underwriting, industry-specific coverages, and value-added risk management to protect operations that serve vulnerable populations. Use this program when you need broad, targeted protection with carrier stability from Berkshire Hathaway Specialty Insurance. This program is available in all U.S. states on an admitted basis and supports a wide range of service models — from residential group homes to community outreach and workforce training. Irwin Siegel Agency underwrites based on the services provided, site-level controls, and demonstrated risk management, and offers tailored solutions for both small local providers and larger multi-site nonprofits. Ideal Accounts and Eligible Classes The program is designed for nonprofit and mission-driven organizations, including: Adult day care centers Domestic violence and emergency shelters Group homes and transitional housing Homeless shelters with support services Job counseling, training, and placement centers Senior centers and activity programs Multi-service outreach organizations Vocational rehabilitation agencies Residential services for individuals with AIDS Self-help and work experience programs Typical fits are organizations that provide temporary shelter, supervised residential services, social casework, or workforce training. Accounts with controlled medication administration, robust volunteer programs, or licensed residential operations are welcome with appropriate controls in place. Coverage Highlights Package coverage includes: Abuse and molestation General liability Professional liability Property coverage Crime Inland marine Business auto Umbrella liability Available enhancements & supplements: Commercial pollution liability Volunteer accident coverage HIPAA Protector Youth accident coverage Directors & Officers / Employment Practices Liability Cyber & privacy liability Enhanced property form Special events coverage Underwriting, Appetite and Example Scenarios Irwin Siegel Agency focuses on organizations with defined programs, formal policies, background screening for staff/volunteers, and documented safety procedures. Minimum premium varies by account size and complexity; Irwin Siegel will quote based on services provided, annual revenues, payroll, and loss history. Example 1 — A regional senior activity center seeking package limits that include general, professional and abuse liability, plus volunteer accident coverage for site volunteers. Example 2 — A small group-home network with medication administration and 24/7 staffing that needs property, business auto, and umbrella limits coordinated across multiple locations. Accounts with active residential care, substance abuse treatment, or programs that involve unsupervised minors will be reviewed for specific controls; specialized exposures may require supplemental underwriting or endorsements. Program Availability This program is placed on an admitted basis in all 50 states and the District of Columbia. Irwin Siegel’s national underwriting capacity makes the program a practical option for clients operating in urban, suburban, and rural locations across the U.S. Why Place This Business With Irwin Siegel Agency? As a Managing General Agency with a long record in human and social services, Irwin Siegel provides: Access to Berkshire Hathaway Specialty Insurance capacity Underwriting tailored to nonprofit and social service operations Value-added risk management and loss control services at no extra cost National admitted placements and flexible endorsements for specialty exposures A partnership approach that helps agents place challenging or mission-driven accounts For more information or to submit an account, call 800.622.8272 or visit the program page: http://www.siegelagency.com/insurance-programs/social-service/. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofit and community-based organizations, including group homes, shelters, senior centers, job training programs, and outreach services. Is this program available in all states?Yes. The program is available on an admitted basis in all 50 states and the District of Columbia. Which carrier underwrites this program?The program is underwritten by Berkshire Hathaway Specialty Insurance. Are risk management services included?Yes. Value-added risk management and loss control services are included at no additional cost to help clients reduce claims and improve safety. What is the minimum premium for this program?Minimum premium varies by the type and size of the organization. Contact Irwin Siegel Agency for specific underwriting guidelines. Need help placing an account? Connect with a market specialist.

...ialist abuse coverage wording Automobile Liability — owned, hired and non-ow...

Group homes serve as vital residential facilities for individuals with chronic disabilities, developmental delays, or behavioral challenges. These homes typically house six or fewer individuals and provide 24/7 care through trained staff. As an agent or broker, you understand the unique risks these operations face—including professional liability, general liability, and property exposures. Colonial General Insurance Agency, Inc. offers a specialized Group Home Insurance program tailored to meet these specific needs. Overview of the Program from Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a range of markets, including some admitted options. Our Group Home Insurance program is designed for small, community-based residential settings that care for children or adults with chronic disabilities. Our goal is to help agents like you place these sensitive and specialized risks with confidence. Ideal Accounts and Appetite This program targets group homes that operate in a professional, structured environment with trained staff. Ideal accounts include: Privately owned group homes for adults with developmental or physical disabilities Children’s group homes with state or private licensing Homes that do not transport clients (non-owned auto can still be included) We are best suited for standard, single-family homes that are licensed or certified and follow established care protocols. Homes involved in high-risk behaviors, unlicensed operations, or facilities with histories of abuse or neglect may not qualify. Coverage Highlights and Advantages Our program provides flexible and comprehensive coverage options, including: Separate or combined Commercial General Liability (CGL) and Professional Liability (PL) limits Occurrence form General Liability coverage Defense costs either inside or in addition to policy limits Punitive damages coverage where permissible Minimum premium range from $2,000 to $4,000, depending on policy limits Incident-sensitive coverage with a discovery clause Primary coverage available for employed MDs and psychologists Non-owned auto coverage available Underwriting Notes and Minimum Premiums Underwriting is focused on the safety and management practices of the facility, staff qualifications, and claims history. Minimum premiums typically start between $2,000 and $4,000, depending on coverage limits and the specifics of the risk. Providing complete and accurate applications with supporting documentation will help speed the underwriting process. Territories and Availability This Group Home Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We have access to admitted and non-admitted markets depending on the location and risk profile. Why Work With Colonial General? With Colonial General, you gain a partner who understands the complexities of group home risks. Our internal underwriting expertise, broad market access, and flexible coverage structures make us a strong choice for agents seeking reliable solutions for these sensitive accounts. Whether your client is opening a new facility or looking to improve coverage terms on an existing one, our team is ready to assist. Frequently Asked Questions What types of group homes are eligible for this program?Eligible homes typically include licensed residential facilities for adults or children with developmental, physical, or behavioral challenges, operating in a single-family home setting. Is professional liability included in the policy?Yes, professional liability can be written separately or combined with general liability, depending on the risk and the insured’s needs. Do you offer coverage for staff who are licensed medical professionals?Yes, primary coverage is available for on-staff MDs and psychologists as part of the program. What is the minimum premium for this program?Minimum premiums typically range from $2,000 to $4,000, depending on policy limits and underwriting factors. In which states is this program available?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Overview of the Program from Sinclair-Dwyer Sinclair-Dwyer offers the Social Service Auto program to give agents a stable, need-sensitive market for vehicles used by social and human service organizations. Policies under this program are written through Sutter Insurance Company and are tailored for government entities, charitable organizations, civic groups and nonprofit social service providers that transport clients as an incidental part of the services they provide (including scheduled trips, outings and program-related transport). Ideal Accounts and Appetite Nonprofit and public organizations that transport clients to appointments, classes, day programs, congregate meals, and community activities. Small to mid-sized fleets of sedans, minivans, cargo/passenger vans, and small buses used for client transport and program activities. Volunteer driver programs, provided drivers meet underwriting guidelines for screening and training. Programs that can demonstrate formal driver policies, vehicle maintenance procedures and documented client transport protocols. Typically not a fit: for-hire operations, commercial livery, rideshare services, fixed-route public transit, or accounts that primarily transport paying passengers as a business. Large coach buses or high-capacity passenger carriers may be declined or require referral to a different market. Coverage Highlights and Advantages Liability coverage tailored to social service exposures, with options that can be coordinated with general liability limits for the organization. Physical damage coverage for owned vehicles and optional coverages for rented or hired autos. Volunteer driver considerations and endorsements to address volunteer exposures where available. Claims handling through an experienced insurer (Sutter Insurance Company) familiar with nonprofit and government clients. Underwriting emphasis on risk controls—driver screening, vehicle maintenance logs, and written use policies—enables competitive placement for well-managed programs. Underwriting Notes and Submission Requirements Underwriters will request vehicle lists, driver rosters with MVRs, documented driver hiring/training practices, and loss runs. Recent and frequent losses may require corrective action plans. Expect scrutiny on volunteer driver programs: background checks, proof of valid licenses and documented training reduce friction in underwriting. Vehicle use must be clearly described—incidental client transport connected to the organization’s social services is required. For-hire, commercial or primary revenue-generating transport generally falls outside the appetite. Minimum premium and specific pricing are set by the carrier; submit a complete packet to Sinclair-Dwyer for evaluation and indicative terms from Sutter Insurance Company. Territories and Availability This program is available for accounts located in California. Coverage, policy forms and endorsements are subject to state rules and carrier filing requirements. Why Work with Sinclair-Dwyer on Social Service Auto Direct access to a specialized market (Sutter Insurance Company) that understands social service transportation risks. Focus on practical underwriting that rewards documented risk management—ideal for agencies with formal vehicle safety programs. Support for placing both owned and leased vehicles used for client transport, with flexibility for volunteer driver arrangements when conditions are met. Example scenarios you can place through this program A county-funded nonprofit operates two passenger vans to transport seniors to meal sites and appointments; the organization maintains driver training records and vehicle inspection logs. A community mental-health center uses a minivan to provide transportation for clients to group activities and medical appointments; drivers are employees with clean MVRs and the center documents client transport policies. Frequently Asked Questions What types of organizations are a good fit for Sinclair-Dwyer's Social Service Auto program?Government entities, charities, civic and nonprofit social service organizations that provide incidental client transportation—such as trips to appointments, day programs or community outings—are the best fit, provided they maintain documented driver and vehicle controls. Can volunteer drivers be covered under this program?Yes, volunteer driver programs are eligible when underwriting requirements are met. Expect requests for background checks, proof of valid licenses, documented training and written volunteer driver policies. Are commercial or for-hire transport operations eligible?No. Operations that transport paying passengers as a primary business (for-hire, livery, rideshare, or fixed-route transit) are generally outside the appetite and should be submitted to a commercial or livery market instead. What documents should I include with a submission to get a timely response?Provide a current vehicle list, driver roster with MVRs, loss runs, copies of driver hiring/training and vehicle maintenance policies, and a clear description of how vehicles are used in the organization’s programs. Need help placing an account? Connect with a market specialist.

...group homes) Services for developmentally disabled clients (group homes, day workshops,...

...l and sexual abuse coverage Automobile liability – owned, hired, and non-o...