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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.

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Policy Highlights for Long Term Care Facilities Insurance: Colonial General Insurance Agency, Inc. offers a competitive, flexible Long Term Care Facilities Insurance program tailored for independent living and assisted living facilities. With a widened underwriting appetite and reduced base rates, this program helps agents and brokers place more long-term care risks — including newer facilities and accounts with more complex exposures — using solutions designed for this niche. Ideal Accounts and Appetite This program is well-suited for: Assisted living facilities Independent living communities Small to medium-sized long-term care operations Preferred accounts are those that emphasize resident safety, maintain clean loss histories, and demonstrate strong management and risk-control practices. Facilities with documented risk management programs and locations in favorable legal venues may qualify for favorable credits and broader terms. Example: You might have a client operating a 40-unit assisted living facility in Utah with no major claims in the past five years — that profile typically fits well with this program given the updated coverages and lower base rates. Coverage Highlights and Advantages Colonial General’s Long Term Care Facilities Insurance program delivers broad liability solutions and expanded options for assisted and independent living operations. Key features include: For assisted and independent living: Lower base rates designed to increase placement opportunities Removal of the assault and battery exclusion where allowable Occurrence-form coverage available for independent living facilities Medical payments for non-residents with $2,500 and $10,000 limit options Broadened coverages and options: Higher limits for sexual abuse and molestation exposures Punitive damages coverage where legally permitted Split liability limits to better manage complex exposures Defense costs outside the limits of liability Communicable disease coverage Expanded territory options and credits for preferred venues Underwriting Notes and Minimum Premiums The program is accessible through both admitted and non-admitted markets depending on the state and account characteristics. Colonial General partners with multiple carriers to align the risk with the most appropriate market. Minimum premium thresholds vary by carrier and jurisdiction; the program’s reduced base rates make it practical for a wide range of account sizes. Territories and Availability Coverage is available for 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? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep market access with focused underwriting expertise for the long-term care sector. They support independent agents and brokers by placing business other markets may decline and by offering responsive service, flexible terms, and an expanded appetite for assisted and independent living risks. To learn more about this program or explore additional markets, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Assisted living and independent living facilities with clean loss histories, documented risk controls, and strong management practices are the best fits for this program. Are both admitted and non-admitted options available?Yes. Colonial General places accounts in admitted and non-admitted markets depending on the state and the specific characteristics of the risk. Is occurrence form coverage available?Yes. Occurrence-form coverage is available for independent living facilities under this program, subject to underwriting. Does the policy include coverage for communicable diseases?Yes. Communicable disease coverage is part of the program to help facilities manage that exposure where offered by the underlying carrier. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.