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Policy Highlights for Home Health Care Insurance: Colonial General Insurance Agency, Inc. offers a dedicated Home Health Care Insurance program tailored for agencies that deliver professional and non-professional services in residential settings. Whether your client operates a small local service or a growing multi-location agency, this program gives agents access to competitive coverage options on a mono-line or package basis and flexible placement through admitted and surplus markets. Ideal Accounts and Appetite This program is designed for independent agents placing coverage for: Home health care agencies providing nursing, physical therapy, skilled or unskilled personal care Non-medical caregivers offering companionship, housekeeping, meal preparation, or transportation Small to mid-sized operations serving individual homes (not institutional facilities) Preferred accounts have documented safety protocols, staff screening and training, incident reporting, and HIPAA/compliance practices. Agencies that serve high-risk patients (e.g., complex wound care, high-acuity respiratory support) or operate in non-residential/institutional settings may require enhanced underwriting review or be considered outside the appetite. Example accounts you might place: a two-branch caregiver service that provides companion care, medication reminders and light ADL assistance; or a licensed home health agency offering skilled nursing and outpatient PT for post-surgical patients with established training and quality control programs. Coverage Highlights and Advantages Commercial General Liability Primary limits: up to $1,000,000 per occurrence / $3,000,000 aggregate Excess/umbrella limits: capacity up to $25,000,000 Included and available coverages: Medical payments — $5,000 limit Errors & Omissions (professional liability) — available up to policy limits Sexual and/or physical abuse coverage — $50,000 per claim / $100,000 aggregate (higher limits available) No deductible required for standard GL placements Crime Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Property Building and contents Business income and extra expense Computer equipment and equipment breakdown Accounts receivable and valuable papers Inland marine, outside signs Basic, broad, or special form; replacement cost or ACV options Underwriting Notes and Market Access Colonial General places accounts in admitted territories where available and uses surplus lines when appropriate. Underwriters evaluate operational history, staff hiring and training practices, written policies and procedures, loss history, and the specific services provided when structuring coverage. There are no blanket minimum premium rules — quotes are customized to the size and exposures of the account. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted markets exist in some states; when admitted capacity is not available, Colonial General can access E&S carriers to secure coverage. Why Work With Colonial General? As a Managing General Agency and E&S broker with focused expertise in niche health care and service-based risks, Colonial General offers agents responsive underwriting, broad market access, and personalized placement support. Agents benefit from underwriters who understand common home health exposures and can structure combined GL, E&O and property solutions for growing agencies. Frequently Asked Questions What types of accounts are a good fit for this program?Home health care agencies that provide professional or non-professional services in residential settings — for example, licensed home health agencies, private duty nursing, and non-medical caregiver services — are core fits for this program. Is this program available on an admitted basis?Some markets are admitted depending on the state and the account profile. Colonial General also places business with surplus lines carriers when admitted capacity is limited or unavailable. Are package options available, or is it mono-line only?You can place coverage on a mono-line basis or bundle GL, E&O, property, and crime into a package to fit the client’s needs and exposures. What states is this program offered in?This program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I get higher limits for abuse or professional liability coverage?Yes. Higher optional limits for sexual/physical abuse and professional liability are available — contact Colonial General underwriting to discuss limits and terms for your specific account. Need help placing an account? Connect with a market specialist.

Cochrane & Company’s Adult Day Care Insurance program offers tailored coverage for licensed, commercially operated adult day care facilities. The program can be written on a monoline or packaged basis to protect licensed social-type adult care operations that provide minimal medical care and focus on supervised activities. Overview of the Program From Cochrane & Company This program is designed for independent agents and brokers who need a specialized market for adult day care operations. Cochrane & Company provides flexible liability and property options, plus abuse coverage and an E&O component, to help you place accounts that may not fit standard commercial carriers. Ideal Accounts and Appetite Licensed, commercially operated adult day care facilities that provide social activities and minimal medical care. Majority of attendees should be ambulatory. Programs will consider facilities with up to 35% Alzheimer's/dementia clients provided anti-wandering devices are installed on exits. Facilities with swimming pools will be considered (underwriting review required). Not intended for residential care, skilled nursing, or facilities providing significant medical or 24-hour custodial care. Coverage Highlights and Advantages Commercial General Liability Primary limits available up to $3,000,000 occurrence/aggregate. Excess/umbrella capacity available up to $25,000,000. Included coverages: Medical Payments — $5,000 limit Additional insureds/Additional interests Errors & Omissions coverage part included Sexual and Physical Abuse coverage — policy limits up to $100,000 per claim / $300,000 aggregate (higher optional limits available) No deductible required for general liability on standard placements. Property Coverages Building and Business Personal Property Business Income / Extra Expense Forms: Basic, Broad, or Special Valuation: Replacement Cost or Actual Cash Value Equipment Breakdown Food Spoilage Accounts Receivable Computer Equipment Outside Signs and Valuable Papers Crime: Coverage available for losses both inside and outside the premises. Underwriting Notes and Minimum Premiums Underwriting focuses on staffing, client mix, physical security (including anti-wandering measures), activity supervision, and pool safety where applicable. Facilities serving higher percentages of memory-care clients require documented risk controls and may have added conditions. Minimum premium varies by state, carrier selection, and coverage configuration; premium is listed as “Varies.” Carriers: varies by account; Cochrane & Company places business with multiple markets. Admitted status: program availability varies; contact Cochrane & Company to confirm whether admitted or surplus placement applies for a given state and account. Territories and Availability This program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, WY. Availability and terms may vary by state and carrier. Why Work With Cochrane & Company on Adult Day Care Business Specialized appetite for licensed adult day care operations that need liability and property protection beyond standard commercial lines. Flexible limits and package options, including sexual/physical abuse limits and an E&O component suited to social-care exposures. Underwriting that will consider dementia clients with proper anti-wandering controls and facilities with pools (subject to inspection/risk controls). Multiple market access through a managing general agency structure — helpful when standard carriers decline or limit terms. Frequently Asked Questions What types of adult day care accounts are a good fit for this program?Licensed, commercially operated facilities that provide supervised social activities and minimal medical care are the best fit. The majority of attendees should be ambulatory; programs with up to 35% Alzheimer’s/dementia clients may qualify if anti-wandering devices are in place on exits. What liability limits and special coverages are available?Primary GL limits up to $3,000,000 occurrence/aggregate and excess/umbrella capacity up to $25,000,000. The program includes medical payments, E&O coverage part, and sexual/physical abuse coverage (policy limits commonly up to $100K/$300K with higher options available). Are pools and memory-care clients automatically excluded?No. Pools and memory-care clients are considered but will be underwritten. Pools require documented safety measures and supervision; memory-care populations are acceptable up to program limits when anti-wandering devices and other controls are in place. How do I submit an account and what information underwriters need?Provide the facility’s license, occupant profile (percentage ambulatory vs. memory care), staffing ratios, activity schedule, description of security and anti-wandering measures, pool safety protocols (if applicable), and recent loss history. Detailed submissions improve quote accuracy. Need help placing an account? Connect with a market specialist.

Policy Highlights for our Artisan program: Colonial General Insurance Agency, Inc. offers a specialized Artisan Insurance program designed to meet the needs of contractors and skilled tradespeople across a wide range of eligible operations. Whether your clients need Property, General Liability, or Crime Coverage, we provide flexible solutions on a mono-line or package basis to help you place business quickly and efficiently. This program is ideal for artisan contractors who focus on specific trades—such as electricians, plumbers, HVAC technicians, painters, and similar professions. With access to both admitted and non-admitted markets (depending on the risk and state), we can support a broad class of risks across the western U.S. Commercial General Liability Coverage available for Artisan Insurance: • Primary limits up to $3,000,000 Occurrence / Aggregate • Electronic Data Liability • Excess or Umbrella limits up to $25,000,000 • $5,000 Medical Payments Coverage included at no additional charge • Blanket Additional Insureds—when required by contract, written agreement, or permit • Primary and Noncontributory wording available under CG 20 33 • Blanket Waiver of Subrogation included per prior written agreement • Per Project Aggregate available These features help your clients meet project requirements, reduce contractual disputes, and provide enhanced protection on job sites. Property Coverage available: • Building and Business Personal Property • Business Income and Extra Expense • Contractor’s Equipment • Equipment Breakdown • Inland Marine • Installation Floater • Computer Equipment • Accounts Receivable • Outside Signs • Basic, Broad, or Special Form options Crime Coverage available: • Theft of Money and Securities (inside and outside the premises) • Robbery or Safe Burglary of Other Property • Valuable Papers • Contractor’s Equipment • Installation Floater • Computer Equipment • Accounts Receivable • Outside Signs Ideal Accounts and Appetite Our Artisan Insurance program is best suited for small to mid-size contractors who specialize in a single trade or a combination of approved operations. You might have a client who runs a small HVAC business or an independent electrician working on residential and light commercial projects—these are great fits for our program. Risks with a clean loss history and those requiring certificates with additional insured wording, waiver of subrogation, or other contract-specific endorsements are welcome. Underwriting Notes and Market Access We work with a variety of carriers, allowing us to find competitive solutions for your artisan clients. Underwriting is handled with a practical, solutions-oriented approach. Some markets are admitted, while others may be surplus lines, depending on the class and state. Minimum premium varies by risk and coverage selected. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We understand the regional nuances and construction trends in these western states, and our team is equipped to help you navigate them with confidence. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche contractor and artisan markets. Our team is responsive, knowledgeable, and focused on helping you place business efficiently. With access to multiple markets and competitive coverage options, we provide the tools and support you need to succeed. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized artisan contractors such as electricians, plumbers, HVAC techs, painters, and similar trades are ideal for this program. Is this program available in admitted markets?Some admitted markets are available depending on the risk and the state, while others may be placed through surplus lines carriers. Can I get coverage for contractor’s equipment?Yes, contractor’s equipment coverage is available under both property and crime options, including inland marine and installation floaters. Which states is this Artisan Insurance program offered in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are additional insured endorsements included?Yes, blanket additional insured endorsements are available when required by contract, agreement, or permit, along with waiver of subrogation and primary/noncontributory wording. Need help placing an account? Connect with a market specialist.