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...lets us place D&O solutions for nonprofits, privately held firms, and publicly...for Colonial General’s D&O program?Nonprofits, privately held businesses, and ...

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized insurance solution tailored for social service organizations. Whether your client is a nonprofit or a for-profit agency, this program is built to address the unique risks faced by social service providers. With expert underwriters and responsive claims handling, Colonial General delivers flexible, reliable coverage options for a wide range of human services operations. Ideal Accounts and Appetite This program is designed for agents placing coverage for social service clients operating in various care and counseling environments. Target classes include: Adoption and foster care placement agencies Substance abuse treatment centers Mental health counseling services Domestic violence shelters and advocacy centers Residential care and group home facilities Developmental disability programs Special needs schools and therapeutic education centers If you have a client offering community-based care, behavioral health support, or residential services, this program may be an excellent fit. Coverage Highlights and Advantages This program is structured to meet the complex coverage needs of social service providers. Each policy is uniquely underwritten and offers separate limits of liability. Available on an occurrence or claims-made basis, depending on the risk profile. Professional Liability: Includes coverage for employees, contracted staff, and medical professionals such as physicians. Abuse and Molestation: Physical and sexual abuse liability coverage is available. General Liability: Features include a blanket additional insured endorsement for funding sources and specialized broadening endorsements for social service operations. Property Coverage: Includes inland marine, crime, equipment breakdown, and blanket limits with agreed amount options. Auto Liability and Physical Damage: Coverage for owned, hired, and non-owned vehicles. Management Liability: Coverage includes Directors & Officers (D&O), Employment Practices Liability Insurance (EPLI), and fiduciary liability. Excess Liability: Limits available up to $10,000,000. Underwriting Notes and Market Access Colonial General works with a variety of carriers, offering access to both admitted and non-admitted markets depending on the type of risk and state. Each submission receives personalized attention from underwriters who specialize in social service operations. Minimum premium requirements vary by risk and carrier. Please contact Colonial General for specific underwriting guidelines and eligibility criteria. States Available This Social Services Organizations Insurance program is available 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 is a Managing General Agency (MGA) and Excess & Surplus Lines Broker with deep expertise in the social services sector. Their underwriters are committed to understanding the nuances of human service risks and providing tailored solutions that meet your clients’ operational and funding requirements. Agents benefit from responsive service, broad market access, and a knowledgeable partner who understands the challenges of placing social service accounts. Whether you're working with a small counseling center or a multi-location residential facility, Colonial General can help you secure comprehensive, competitive coverage that protects your client's mission and operations. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for social service providers such as adoption agencies, substance abuse programs, mental health counseling centers, and residential care facilities. Is this program available for both nonprofit and for-profit organizations?Yes, Colonial General offers coverage solutions for both nonprofit and for-profit social service entities. Are abuse and molestation coverages included?Yes, coverage for physical and sexual abuse or molestation is available as part of the program. Which states is this program offered in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What types of liability limits are available?Limits vary by coverage, with excess liability available up to $10,000,000. Each policy includes separate limits of liability. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Adoption and Foster Placement Insurance program that helps independent agents and brokers place tailored coverage for clients in the foster care and adoption space. Leveraging access to A.M. Best A+ rated carriers, Colonial General delivers comprehensive solutions through a streamlined underwriting workflow and focused human-services expertise. Overview of the Program From Colonial General This program addresses the liability, professional exposure, and operational risks commonly faced by foster care and adoption providers. Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, using carrier relationships to place accounts that may be difficult to place in standard markets. The program supports both individual licensed foster homes and agency-level operations with coverages sized to match each client’s services and footprint. Ideal Accounts and Appetite Colonial General targets the following account types: Private and nonprofit adoption agencies Foster care placement organizations Individual licensed foster homes Group homes and youth residential facilities (subject to underwriting) Programs involving high-risk youth, 24/7 care, intensive behavior-management programs, or significant prior losses are considered but typically require enhanced underwriting review and may be placed in non-admitted markets. Coverage Highlights and Advantages Agents can assemble a complete program of coverages to address common exposures faced by foster care and adoption providers: General Liability Professional Liability (Errors & Omissions) Directors & Officers (D&O) Employment Practices Liability Sexual Misconduct Liability Property and Auto Workers’ Compensation Umbrella Liability These coverages can be written for single-family foster homes up to multi-county agency operations, allowing you to tailor limits and endorsements to licensing and contractual requirements. Underwriting Notes and Minimum Premiums Each submission is individually underwritten. Pricing and eligibility are driven by factors such as the size of the operation, services provided, staff training and screening practices, background checks, physical plant conditions, and loss history. Colonial General works with agents to identify the appropriate admitted or E&S market for each account; a minimum premium is determined per submission and discussed during quoting. Territories and Availability This program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Coverages may be placed on an admitted or non-admitted basis depending on state regulation and the profile of the risk. Why Work With Colonial General on This Business Colonial General combines regional market relationships, sector-specific underwriting experience, and access to A.M. Best A+ carriers to help you place challenging foster care and adoption accounts. Their team is accustomed to the documentation and licensing requirements common to human services providers and can guide agents through placement options, endorsements, and risk-mitigation suggestions. Example: You might have a nonprofit foster placement agency operating across several counties that needs combined general liability, professional liability, and D&O coverage to meet funder and licensing requirements. Colonial General can coordinate submissions across admitted and E&S markets to assemble a compliant package. Frequently Asked Questions What types of accounts are a good fit for this program? This program is best for private and nonprofit adoption agencies, foster placement organizations, and licensed individual foster homes operating in the Western U.S. Which states is this program available in? Coverage is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Are both admitted and non-admitted markets used? Yes. Colonial General will consider admitted placements where available and appropriate, and use E&S markets when a risk requires broader terms or when state markets are limited. Can small individual foster homes get coverage through this program? Yes. The program includes options tailored for individual licensed foster homes as well as larger agency operations, with limits and endorsements adjusted to the size and services of the home. What liability lines are commonly available? Common liability lines include General Liability, Professional Liability, D&O, Employment Practices, Sexual Misconduct Liability, and Umbrella coverage. Need help placing an account? Connect with a market specialist.

Policy Highlights: If you place accounts that operate van pooling or commuter shuttle services, Colonial General Insurance Agency, Inc. offers a responsive market tailored to this niche transportation risk. Our Van Pooling Insurance program helps agents secure coverage that meets applicable state and federal requirements while providing flexible limits and terms for group transport operations. Ideal Accounts and Appetite We write operations that transport regular groups of commuters, employees, or members of organized travel programs. Good fits include: Employer-sponsored van pools (regular, scheduled commutes) Public or private commuter services with defined routes Nonprofit ride-sharing or community van pool programs Municipal or community transportation providers operating short-to-mid range routes We prefer accounts operating within the Western U.S. (see Territories below) with demonstrable safety controls and a favorable loss history. Typical non-fits include long-haul charter bus operations, on-demand ride-hailing platforms, or fleets with a recent history of large liability losses. Coverage Highlights and Advantages Colonial General’s Van Pooling Insurance program is built for the exposures common to group passenger transport. Key features include: Liability limits up to $1,000,000 Combined Single Limit (CSL) Physical damage coverage with deductible options from $500 to $5,000 Ability to meet state and federal minimums tied to passenger seating capacity, with total coverage options available up to $1.5 million Operation radius options up to 500 miles to accommodate local and regional routes This program is structured to handle the regulatory and operational nuances of van pooling—such as passenger counts, route radius, and seating configurations—so you can place accounts with confidence that required limits and endorsements are available where needed. Underwriting Notes Underwriting evaluates fleet size, average trip length, driver hiring and training practices, driver background checks, and loss history. Documents commonly requested include: driver rosters and MVRs, vehicle maintenance records, and a description of routes and pickup locations. While we do not publish a specific minimum premium, our goal is to deliver competitively priced solutions aligned with the risk profile. Examples of factors that improve tractability: Consistent, scheduled routes and limited radius Formal driver qualification and training programs Preventive maintenance and documented inspection programs Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on state and specific risk details; otherwise coverage is placed through non-admitted carriers. If you have an account near a state border or that occasionally travels outside the listed states, discuss route details with underwriting to determine eligibility. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker with transportation expertise, Colonial General gives agents access to multiple carrier markets, flexible terms, and quick underwriting responses. Our team focuses on matching van pooling accounts to the right admitted or surplus market, helping you place business faster and reduce placement friction. You might have a client who operates a 12-passenger, employer-sponsored van that transports employees 25–40 miles each way; this program can provide limits and radius options to meet that client’s needs. Or you may place a community nonprofit running scheduled commuter shuttles inside a metropolitan area—Colonial General can tailor coverages and deductibles to fit the operation and budget. Frequently Asked Questions What types of accounts are a good fit for this Van Pooling Insurance program?Ideal accounts include employer-sponsored van pools, nonprofit ride-share programs, and commuter shuttle services operating within the Western U.S., especially those with scheduled routes and documented safety procedures. What is the maximum liability limit available?Liability coverage is available up to $1,000,000 CSL, with total coverage options up to $1.5 million in cases where seating capacity or regulatory requirements demand higher limits. Are both admitted and non-admitted markets available?Yes. Depending on the state and risk characteristics, we can place coverage in admitted markets where available or access non-admitted markets through E&S solutions. Is there a minimum premium for this program?We do not publish a specific minimum premium. Pricing is determined by underwriting factors such as fleet size, driving radius, and loss history, and we aim to offer competitive terms for qualified risks. In which states is this program available?This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

... Automobile Liability ...

...cal Abuse (separate limits) Automobile Excess Liability Workers Co...at needs campus property coverage, automobile liability for student transport,...

Insential, Inc., through its Sports Division—MIC Insurance Group—offers a focused Sports Insurance program that helps agents and brokers place coverage for a wide range of athletic organizations, facilities, and events. As an experienced Excess & Surplus Lines Broker, Insential provides access to multiple markets and strong underwriting relationships so you can deliver tailored solutions for sports and recreation clients with unique or hard-to-place exposures. Ideal Accounts and Appetite This program is well-suited for a broad set of sports-related risks, including: Sports and fitness facilities — gymnastics centers, martial arts studios, fitness centers Youth-focused organizations — youth sports leagues, sports camps, day camps with athletic programming Entertainment and activity venues — paintball centers, family entertainment centers, social clubs Individual professionals — instructors, coaches, referees Insential also writes both amateur and professional teams across common disciplines such as: Baseball, softball, soccer Football, basketball, volleyball Hockey, lacrosse, swimming Cheerleading and other performance-based sports The program can be used to place event-focused coverage for professional and amateur sporting events and special events with athletic components. Coverage Highlights and Advantages Insential’s Sports Insurance program offers a broad package designed to address operational and participant risks. Available lines include: General Liability Property Umbrella / Excess Participant Accident Crime Directors & Officers (D&O) Employment Practices Liability Insurance (EPLI) Key advantages agents can communicate to clients include flexible E&S placement, multi-line solutions to consolidate coverage, and the benefit that defense costs are paid outside the policy limits, which helps preserve limits when litigation arises. Underwriting Notes and Minimum Premiums Insential evaluates accounts individually with emphasis on the class of business, loss history, and risk management practices. Minimum premiums vary by class and exposure — contact Insential for program-specific underwriting guidelines and target premiums. The program is structured to accommodate both standard risks and unique or higher-hazard accounts that may not fit admitted markets. Example fits: A regional cheerleading camp seeking participant accident and liability coverage for multi-day camps. A growing martial arts studio that needs general liability plus EPLI and D&O as it adds instructors and administrative staff. Territories and Availability The Sports Insurance program is available in most U.S. states, including major states such as CA, FL, TX, NY, IL, and GA. In many jurisdictions coverage is offered on a non-admitted (E&S) basis, giving you flexibility to craft non-standard solutions where admitted markets are limited. Why Work With Insential? Insential combines niche sports expertise with deep carrier relationships to help brokers place accounts that require specialized underwriting. As an Excess & Surplus Lines Broker, Insential offers market access, flexible program structures, and underwriting support to help place hard-to-place or high-exposure athletic risks. Reach out to Insential’s Sports Division when you need a partner that understands sports operations and participant exposures. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this Sports Insurance program?Ideal accounts include youth and adult sports leagues, fitness and martial arts centers, sports camps, instructors, and special sporting events. Is this program available nationwide?The program is available in most U.S. states, including CA, TX, FL, NY, and IL. Availability may vary by state and by coverage line. What key coverages are included?Core lines include General Liability, Property, Umbrella/Excess, Participant Accident, Crime, D&O, and EPLI. Defense costs are typically paid outside the limits. Can Insential handle both amateur and professional teams?Yes — the program accommodates both amateur and professional teams across a wide range of sports disciplines. How are minimum premiums determined?Minimum premiums vary by class of business and individual risk characteristics. Contact Insential for specific underwriting guidelines and minimums. Need help placing an account? Connect with a market specialist.

...tal Auto Insurance designed for automobiles that transport, handle or support ...