https://completemarkets.com/company/colonialgeneral/Assisted-Living-Insurance/
Colonial General Insurance Agency, Inc. is pleased to offer a robust Assisted Living Insurance program designed for independent agents and brokers seeking comprehensive solutions for senior living facilities. Our recently expanded program now provides broader coverage options and significantly reduced base rates, making it easier than ever to place business for assisted and independent living operations across the Western United States.
Overview of the Program From Colonial General
This program is built for independent and assisted living facilities needing tailored liability protection and enhanced risk mitigation. As a managing general agency and excess & surplus lines broker, Colonial General gives you access to specialized markets and flexible underwriting to meet the evolving needs of your senior living clients. Whether your insured operates a standalone independent living community or a full-service assisted living facility, our program is designed to offer the right fit.
Ideal Accounts and Appetite
We are actively seeking to write:
Assisted living facilities (non-medical support, custodial care)
Independent living communities
Facilities with quality management and safety protocols
New ventures with experienced operators may also be considered
We look for well-managed facilities with good loss history and a focus on resident safety and regulatory compliance. You might have a client operating a 40-bed independent living facility in Utah or a multi-location assisted living group in Arizona—both could be strong fits for this program.
Coverage Highlights and Advantages
Our expanded Assisted Living Insurance program includes several enhancements that agents will appreciate:
Standard Coverage Features:
Lower base rates for both assisted and independent living facilities
Occurrence-based coverage available for independent living operations
Assault and battery exclusion removed
Medical payments for non-residents with $2,500 and $10,000 limits
Broader Coverage Options:
Higher sexual abuse and molestation limits
Defense costs outside the policy limits
Punitive damages (where allowed)
Split limits and communicable disease coverage
Expanded territorial coverage and credits for favorable venue locations
Underwriting Notes and Minimum Premiums
Our underwriting team evaluates each submission individually, considering the facility’s size, services offered, management experience, and claims history. While minimum premiums vary by risk and carrier, we work to provide competitive pricing to help you win and retain accounts.
Territories and Availability
This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Both admitted and non-admitted options may be available depending on the risk profile and location.
Why Work With Colonial General
Colonial General brings decades of experience as a trusted MGA and E&S broker. Our team understands the unique exposures faced by senior living facilities and works closely with agents to deliver responsive service, efficient quoting, and access to niche markets. From underwriting flexibility to product enhancements, our goal is to help you better serve your clients while growing your book of business.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for independent and assisted living facilities, including new ventures run by experienced operators, that prioritize resident safety and have favorable loss histories.
Are both admitted and non-admitted markets available?Yes, depending on the risk and state, we have access to both admitted and non-admitted markets.
Is occurrence-based coverage available?Yes, occurrence-based coverage is available for independent living facilities under this program.
What states is this program available in?The Assisted Living Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Can I submit new ventures?Yes, new ventures may be considered, especially when backed by experienced management and a solid business plan.
Need help placing an account? Connect with a market specialist.