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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.

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