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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.

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.