Search CompleteMarkets

...community sports clinics, weekend skills camps, and seasonal leagues for amate...equipment. A weekend multi-sport skills camp held in a private gym offerin...

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.

Policy Highlights: Adult Day Care Errors and Omissions Insurance from Colonial General Insurance Agency, Inc. If you're looking to place coverage for adult day care facilities, Colonial General Insurance Agency, Inc. offers a specialized program that provides robust protection for licensed operations offering social and non-medical services to adults. This program is designed to meet the unique exposures of these facilities and offers flexible underwriting to accommodate a variety of risks. Ideal Accounts and Appetite This program is tailored for licensed adult day care centers that provide supervised, structured care and activities for adults—especially seniors—who require assistance during the day. These facilities often support clients with varying levels of mobility, cognitive conditions, or chronic illness, but do not provide overnight care or skilled nursing services. Ideal risks include: Standalone adult day care centers Facilities affiliated with senior centers or community organizations Operations that offer transportation or meal services Facilities with a strong safety record, trained staff, and clear abuse prevention protocols are generally preferred. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis and includes a range of essential protections: Primary Liability Limits: Up to $3,000,000 Occurrence / Aggregate Medical Payments: $5,000 Limit Errors and Omissions Coverage: Included Sexual and Physical Abuse Coverage: Starting at $100,000 Per Claim / $300,000 Aggregate (higher limits available) Additional Interests: Automatically included No Deductible: Applies to included coverages Optional Add-Ons: Crime, Property, Hired & Non-Owned Auto coverage This comprehensive package helps protect your clients from common exposures such as professional liability, abuse allegations, and day-to-day operational risks. Underwriting Notes Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on market availability. Underwriting is flexible but focuses on licensed facilities with appropriate staffing and risk management protocols in place. While no minimum premium is specified, submissions should be complete to ensure efficient quoting. Territories and Availability This program is currently available to agents and brokers with risks located 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 Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty markets. Their team understands the unique risks associated with adult day care facilities and provides access to multiple carriers to help you place even the most complex accounts. With streamlined underwriting, competitive coverage options, and responsive service, Colonial General is a reliable partner for brokers focused on the senior services space. Whether you're working with a small nonprofit facility or a growing regional operator, Colonial General can help you deliver tailored insurance solutions that meet your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed adult day care centers offering social and non-medical services to adults are the best fit. Facilities with strong risk management in place are preferred. Is Errors and Omissions coverage included in the base policy?Yes, Errors and Omissions coverage is included as part of the standard policy package. Can I write this coverage on a mono-line basis?Yes, Colonial General offers both mono-line and package options depending on your client's needs. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for Sexual and Physical Abuse coverage?Yes, higher limits are available beyond the base $100,000 per claim / $300,000 aggregate. Contact underwriting for options. 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.