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Overview of the Program from Sinclair-Dwyer Sinclair-Dwyer offers the Social Service Auto program to give agents a stable, need-sensitive market for vehicles used by social and human service organizations. Policies under this program are written through Sutter Insurance Company and are tailored for government entities, charitable organizations, civic groups and nonprofit social service providers that transport clients as an incidental part of the services they provide (including scheduled trips, outings and program-related transport). Ideal Accounts and Appetite Nonprofit and public organizations that transport clients to appointments, classes, day programs, congregate meals, and community activities. Small to mid-sized fleets of sedans, minivans, cargo/passenger vans, and small buses used for client transport and program activities. Volunteer driver programs, provided drivers meet underwriting guidelines for screening and training. Programs that can demonstrate formal driver policies, vehicle maintenance procedures and documented client transport protocols. Typically not a fit: for-hire operations, commercial livery, rideshare services, fixed-route public transit, or accounts that primarily transport paying passengers as a business. Large coach buses or high-capacity passenger carriers may be declined or require referral to a different market. Coverage Highlights and Advantages Liability coverage tailored to social service exposures, with options that can be coordinated with general liability limits for the organization. Physical damage coverage for owned vehicles and optional coverages for rented or hired autos. Volunteer driver considerations and endorsements to address volunteer exposures where available. Claims handling through an experienced insurer (Sutter Insurance Company) familiar with nonprofit and government clients. Underwriting emphasis on risk controls—driver screening, vehicle maintenance logs, and written use policies—enables competitive placement for well-managed programs. Underwriting Notes and Submission Requirements Underwriters will request vehicle lists, driver rosters with MVRs, documented driver hiring/training practices, and loss runs. Recent and frequent losses may require corrective action plans. Expect scrutiny on volunteer driver programs: background checks, proof of valid licenses and documented training reduce friction in underwriting. Vehicle use must be clearly described—incidental client transport connected to the organization’s social services is required. For-hire, commercial or primary revenue-generating transport generally falls outside the appetite. Minimum premium and specific pricing are set by the carrier; submit a complete packet to Sinclair-Dwyer for evaluation and indicative terms from Sutter Insurance Company. Territories and Availability This program is available for accounts located in California. Coverage, policy forms and endorsements are subject to state rules and carrier filing requirements. Why Work with Sinclair-Dwyer on Social Service Auto Direct access to a specialized market (Sutter Insurance Company) that understands social service transportation risks. Focus on practical underwriting that rewards documented risk management—ideal for agencies with formal vehicle safety programs. Support for placing both owned and leased vehicles used for client transport, with flexibility for volunteer driver arrangements when conditions are met. Example scenarios you can place through this program A county-funded nonprofit operates two passenger vans to transport seniors to meal sites and appointments; the organization maintains driver training records and vehicle inspection logs. A community mental-health center uses a minivan to provide transportation for clients to group activities and medical appointments; drivers are employees with clean MVRs and the center documents client transport policies. Frequently Asked Questions What types of organizations are a good fit for Sinclair-Dwyer's Social Service Auto program?Government entities, charities, civic and nonprofit social service organizations that provide incidental client transportation—such as trips to appointments, day programs or community outings—are the best fit, provided they maintain documented driver and vehicle controls. Can volunteer drivers be covered under this program?Yes, volunteer driver programs are eligible when underwriting requirements are met. Expect requests for background checks, proof of valid licenses, documented training and written volunteer driver policies. Are commercial or for-hire transport operations eligible?No. Operations that transport paying passengers as a primary business (for-hire, livery, rideshare, or fixed-route transit) are generally outside the appetite and should be submitted to a commercial or livery market instead. What documents should I include with a submission to get a timely response?Provide a current vehicle list, driver roster with MVRs, loss runs, copies of driver hiring/training and vehicle maintenance policies, and a clear description of how vehicles are used in the organization’s programs. Need help placing an account? Connect with a market specialist.

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Policy Highlights: If you work with clients operating van pooling or commuter shuttle services, Colonial General Insurance Agency, Inc. offers a flexible and reliable market for this niche transportation risk. Our Van Pooling Insurance program is designed to help agents place business for accounts that require specialized coverage to meet both state and federal requirements. Ideal Accounts and Appetite We are looking to write van pool operations that transport groups of commuters, employees, or members of organized travel programs. Ideal risks include: Employer-sponsored van pools Public or private commuter services Nonprofit ride-sharing programs Community transportation providers Accounts should operate within the Western U.S. and maintain a good safety record. We can consider vehicles with seating capacities that require state or federal coverage thresholds. Coverage Highlights and Advantages Our Van Pooling Insurance program is tailored to meet the unique exposures of group transport operations. Key coverages include: Liability limits up to $1,000,000 Combined Single Limit (CSL) Physical damage coverage with flexible deductible options from $500 to $5,000 Coverage limits available to meet state and federal minimums based on passenger seating capacity, up to $1.5 million Radius of operation options available up to 500 miles Underwriting Notes Our underwriting team evaluates accounts based on fleet size, usage patterns, driver qualifications, and loss history. While we do not list a specific minimum premium, we aim to write competitively priced accounts that fit our underwriting appetite. We work with a variety of carriers to offer the right solution based on the risk profile. 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 the state and risk details; otherwise, coverage is placed through non-admitted carriers. Why Work With Colonial General Insurance Agency, Inc.? Colonial General is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in transportation-related risks. We provide agents with access to multiple markets, responsive underwriting, and flexible coverage options tailored to meet the needs of van pool operators. Whether your client is a small nonprofit van pool or a large employee commuter program, we can help you find the right solution quickly and efficiently. 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. What is the maximum liability limit available?We offer liability coverage up to $1,000,000 Combined Single Limit (CSL), with total coverage options up to $1.5 million based on seating capacity requirements. Are both admitted and non-admitted markets available?Yes, we have access to both admitted and non-admitted markets depending on the state and risk profile. Is there a minimum premium for this program?While we do not specify a minimum premium, pricing is competitive and based on underwriting factors such as fleet size, driving radius, and loss history. 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.

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Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible Sports League Insurance program designed to meet the unique needs of amateur athletic organizations. Whether your client manages a seasonal youth soccer league, a community basketball program, or a nonprofit athletic camp, this program provides tailored protection for non-contact sports organizations operating in AZ, CA, CO, ID, NV, NM, UT, and WY. Ideal Accounts and Appetite This program is a strong fit for local and regional amateur sports organizations, camps, clinics, and leagues focused on non-contact sports. Target classes include: Youth and adult recreational leagues Seasonal sports camps and clinics Community-based athletic programs Eligible sports include, but are not limited to, archery, baseball, basketball, bowling, cheerleading, golf, flag football, soccer, softball, tennis, and volleyball. Contact sports and high-risk athletic programs may be outside the program’s appetite. Reach out to Colonial General for underwriting clarification on fringe or high-risk activities. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis, allowing you to customize protection based on your insured’s operations. Highlights include: Commercial General Liability Primary limits up to $3 million per occurrence/aggregate Excess or Umbrella limits up to $25 million Included coverages: Additional Interests Medical Payments Coverage – $5,000 limit Limited Participant Liability – $25,000 per occurrence / $50,000 aggregate Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate No deductible Property Coverage Buildings, Contents, and Equipment Breakdown Business Income and Food Spoilage Accounts Receivable Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value Crime Coverage Theft of Money and Securities inside the premises Robbery or Safe Burglary of Other Property Coverage for losses occurring outside the premises Underwriting Notes Colonial General works with various carriers to offer access to both admitted and non-admitted markets, depending on the risk and location. While minimum premiums are not listed, underwriting flexibility allows room for a variety of account sizes, especially in community-based and nonprofit markets. Submissions should include details such as the type of sport, number of participants, location, and duration of events or seasons. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Agents operating in these Western states can rely on Colonial General’s regional knowledge and market access to place coverage efficiently. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General has deep expertise in placing niche programs for specialty markets. With access to a variety of carriers and a flexible underwriting approach, they support agents in tailoring solutions for sports leagues and camps that face unique liability and property exposures. Their in-depth knowledge of regional risks and responsive service model make them a trusted partner for placing amateur sports accounts. Whether you’re helping a local youth soccer league secure liability coverage or working with a nonprofit that runs seasonal cheerleading clinics, Colonial General can help you find the right protection for your client’s activities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for amateur sports leagues, camps, clinics, and community-based athletic organizations involved in non-contact sports such as soccer, baseball, cheerleading, and tennis. Are contact sports eligible for coverage?Generally, this program focuses on non-contact sports. Contact sports may be outside the standard appetite, but you can contact Colonial General for specific underwriting guidance. What states is this program available in?The Sports League Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Is liability coverage available as standalone or only as part of a package?Liability coverage is available on a standalone (mono-line) basis or as part of a package with property and crime coverages. What limits are available for general liability?Primary general liability limits are available up to $3 million per occurrence and aggregate, with excess or umbrella limits up to $25 million. 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 designed to help independent agents and brokers secure tailored coverage for clients in the foster care and adoption space. With access to A.M. Best A+ rated carriers, Colonial General provides comprehensive solutions through a streamlined underwriting process and deep industry experience. Overview of the Program From Colonial General This program is designed to serve the unique insurance needs of foster care agencies, adoption agencies, and individual foster homes. Whether your client operates a small placement organization or manages multiple foster homes, Colonial General can help you place coverage that addresses their specific exposures with flexibility and reliability. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General leverages its carrier relationships to find appropriate coverage, even for hard-to-place risks. Ideal Accounts and Appetite Colonial General is actively looking to write the following types of accounts: Private and nonprofit adoption agencies Foster care placement organizations Individual licensed foster homes Group homes and youth residential facilities (subject to underwriting) Programs that involve high-risk youth, 24/7 care, or other complex exposures may be considered with additional underwriting review. Coverage Highlights and Advantages Agents can access a broad range of coverages designed specifically for adoption and foster care risks, including: General Liability Professional Liability Directors & Officers (D&O) Employment Practices Liability Sexual Misconduct Liability Property and Auto Workers’ Compensation Umbrella Liability Coverage is available for both individual homes and agency operations. This comprehensive structure allows you to tailor protection based on the size and scope of your client’s services. Underwriting Notes and Minimum Premiums Each submission is individually underwritten, and pricing varies based on risk characteristics such as size of operation, services provided, and loss history. While no minimum premium is disclosed, Colonial General works closely with agents to deliver competitive solutions for both standard and more complex accounts. 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) Some coverages may be written on an admitted or non-admitted basis, depending on state and risk class. Why Work With Colonial General on This Business Colonial General brings deep experience in the human services sector and offers responsive support to help agents place challenging risks. Their access to A+ rated carriers, flexible underwriting, and strong regional presence in the Western U.S. make them a trusted partner for agents working with foster care and adoption-related accounts. Example: If you have a nonprofit client operating a foster placement agency across multiple counties, Colonial General can help secure the full package of liability and property coverage they need to meet licensing and operational requirements. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for foster care agencies, adoption placement organizations, and individual licensed 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 works with both admitted and non-admitted carriers depending on the specific risk and state regulations. Can small individual foster homes get coverage through this program?Yes, the program includes coverage options tailored for individual foster homes as well as larger agency operations. What types of liability are available?Available liability coverages include General Liability, Professional Liability, D&O, Employment Practices, Sexual Misconduct, and Umbrella policies. Need help placing an account? Connect with a market specialist.