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Policy Highlights for Child Day Care Insurance Colonial General Insurance Agency, Inc. offers a focused Child Day Care Insurance program for licensed, non-overnight child care operations. Built for day care centers, preschools, and licensed in-home providers, this program gives independent agents and brokers access to responsive markets and coverage options that address the specific exposures of supervised child care activities. Overview of the Program From Colonial General As a Managing General Agency and E&S broker, Colonial General leverages relationships with multiple carriers and some admitted markets to place child day care risks across the western United States. The program is structured to be flexible for small in-home operations as well as larger centers, with underwriting focused on licensing, staff training, supervision and transportation exposures. Ideal Accounts and Appetite This program targets licensed, non-residential child care providers. Ideal accounts include: Licensed child day care centers Preschools and early learning centers Licensed in-home day care providers Before- and after-school programs (non-residential) Accounts that offer overnight care, operate without proper licensing, or include high-risk recreational programs are typically out of appetite. Preferred risks maintain formal supervision policies, documented staff training (including CPR/First Aid), and controlled transportation procedures. Coverage Highlights and Advantages Colonial General’s Child Day Care Insurance program centers on accident medical coverage for enrolled children and staff, plus related benefits. Coverage applies during supervised activities and associated travel. Key highlights include: Accident medical coverage for enrolled children and employees Accidental death and specified loss benefits Coverage that extends to supervised activities and travel to/from those activities Access to multiple carrier markets and flexible underwriting options Underwriting Notes and Minimum Premiums Underwriting emphasizes licensing, staff:child ratios, program schedule, transportation exposure, and safety procedures. Submissions should include facility details, licensing documentation, total enrollment, staff credentials, and descriptions of daily activities and any off-site transportation. Minimum premiums vary by carrier and state; Colonial General will match fit and pricing across admitted and E&S markets to find competitive options. Territories and Availability This Child Day Care 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) Some admitted market capacity is available depending on the state and specific risk characteristics. Why Work With Colonial General on This Business Colonial General combines niche expertise in child care risks with streamlined placement capabilities. As an MGA and E&S broker, they provide quick turnarounds, access to multiple markets, and underwriting teams familiar with the exposures unique to day care and preschool operations. That carrier access and experience can help you place accounts that might be difficult to bind in standard markets. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed, non-residential child day care centers, preschools, and licensed in-home providers are the primary fit. Operations must not provide overnight care. What coverages are included in the Child Day Care Insurance program?The program includes accident medical coverage, accidental death and specified loss benefits, and protection during supervised activities and related transportation. Is this program available in my state?The Child Day Care Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted markets depends on the state and risk profile. Do you offer access to admitted markets?Yes. Colonial General can place accounts in admitted or E&S markets depending on the state and the specifics of the risk. What information is needed to submit a quote?Provide licensing status, number of children enrolled, staff counts and training, a description of daily activities, and details on any transportation exposure to ensure accurate underwriting. Need help placing an account? Connect with a market specialist.

Group homes serve as vital residential facilities for individuals with chronic disabilities, developmental delays, or behavioral challenges. These homes typically house six or fewer individuals and provide 24/7 care through trained staff. As an agent or broker, you understand the unique risks these operations face—including professional liability, general liability, and property exposures. Colonial General Insurance Agency, Inc. offers a specialized Group Home Insurance program tailored to meet these specific needs. Overview of the Program from Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a range of markets, including some admitted options. Our Group Home Insurance program is designed for small, community-based residential settings that care for children or adults with chronic disabilities. Our goal is to help agents like you place these sensitive and specialized risks with confidence. Ideal Accounts and Appetite This program targets group homes that operate in a professional, structured environment with trained staff. Ideal accounts include: Privately owned group homes for adults with developmental or physical disabilities Children’s group homes with state or private licensing Homes that do not transport clients (non-owned auto can still be included) We are best suited for standard, single-family homes that are licensed or certified and follow established care protocols. Homes involved in high-risk behaviors, unlicensed operations, or facilities with histories of abuse or neglect may not qualify. Coverage Highlights and Advantages Our program provides flexible and comprehensive coverage options, including: Separate or combined Commercial General Liability (CGL) and Professional Liability (PL) limits Occurrence form General Liability coverage Defense costs either inside or in addition to policy limits Punitive damages coverage where permissible Minimum premium range from $2,000 to $4,000, depending on policy limits Incident-sensitive coverage with a discovery clause Primary coverage available for employed MDs and psychologists Non-owned auto coverage available Underwriting Notes and Minimum Premiums Underwriting is focused on the safety and management practices of the facility, staff qualifications, and claims history. Minimum premiums typically start between $2,000 and $4,000, depending on coverage limits and the specifics of the risk. Providing complete and accurate applications with supporting documentation will help speed the underwriting process. Territories and Availability This Group Home Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We have access to admitted and non-admitted markets depending on the location and risk profile. Why Work With Colonial General? With Colonial General, you gain a partner who understands the complexities of group home risks. Our internal underwriting expertise, broad market access, and flexible coverage structures make us a strong choice for agents seeking reliable solutions for these sensitive accounts. Whether your client is opening a new facility or looking to improve coverage terms on an existing one, our team is ready to assist. Frequently Asked Questions What types of group homes are eligible for this program?Eligible homes typically include licensed residential facilities for adults or children with developmental, physical, or behavioral challenges, operating in a single-family home setting. Is professional liability included in the policy?Yes, professional liability can be written separately or combined with general liability, depending on the risk and the insured’s needs. Do you offer coverage for staff who are licensed medical professionals?Yes, primary coverage is available for on-staff MDs and psychologists as part of the program. What is the minimum premium for this program?Minimum premiums typically range from $2,000 to $4,000, depending on policy limits and underwriting factors. In which states is this program available?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Policy Highlights — Church Insurance Colonial General Insurance Agency, Inc. offers a dedicated Church Insurance program designed for houses of worship and related operations. The program is available on a mono-line or packaged basis and is underwritten with features agents need when placing church, parish, chapel, and other faith-based risks. Overview of the Program This program provides primary and excess liability capacity, property coverage options, crime protection, and specialized liability extensions that matter to congregations — including clergy counseling E&O and coverage for daycare/preschool operations. Colonial General places business in admitted and non-admitted markets depending on state and risk characteristics (Some Available Markets). Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 occurrence/aggregate. Specialized Liability Extensions: Clergy counseling Errors & Omissions and E&O for daycare/preschool operations. Abuse Coverage: Sexual/physical abuse limits available — typically $100,000 per claim / $300,000 aggregate (limits vary by market). Included Protections: Medical payments ($5,000), additional interests, and options for excess/umbrella limits up to $25,000,000. No deductible required on certain liability placements (subject to carrier and state availability). Property: Basic, Broad, or Special forms for building, contents, business income, computer equipment, equipment breakdown, fine arts floaters, food spoilage, outside signs, valuable papers, and options for replacement cost or actual cash value. Crime: Inside-the-premises theft of money and securities; inside robbery or safe burglary of other property; and outside-the-premises theft coverage. Ideal Accounts and Appetite This program works best for small to mid-size congregations and worship facilities that operate typical religious services, community outreach programs, fellowship events, and optional childcare/preschool activities. Appetite includes: Parishes, churches, chapels, and mission sites Facilities with on-site daycare or preschool programs Properties with fine arts, historic elements, or volunteer-run programs Accounts with recent or multiple severe sexual abuse claims, uncontrolled volunteers with unsupervised access to children, or very large exposures may require supplemental underwriting or placement in specialty markets. Underwriting Notes Admitted vs. non-admitted availability varies by state and the insured’s loss history; Colonial General can access admitted carriers in some markets and E&S capacity where needed. Detailed information about childcare operations, background checks, volunteer screening, building values, and protection systems will accelerate quotes. Minimum premiums and binding thresholds depend on the carrier selected; submit full ACORD applications and current loss runs for prompt review. Territories and Licensing Program availability: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage offerings, admitted status, and specific limits vary by state and carrier. Why Place Church Business with Colonial General As a Managing General Agency and Excess & Surplus lines broker, Colonial General combines targeted church underwriting with access to multiple admitted and E&S markets. The program’s strengths are its specialized liability extensions (clergy counseling E&O and daycare E&O), abuse coverage options, flexible property forms, and significant umbrella capacity. Colonial General is positioned to help brokers find tailored solutions for faith-based clients where standard markets may be limited. Example Accounts A suburban church with a 150-person congregation, weekday preschool program, and community outreach events — needs primary liability, abuse coverage, and E&O for counseling staff. A rural historic chapel with valuable artwork and a small volunteer-run food pantry — needs special-form property with a fine arts floater and crime coverage for donation handling. Frequently Asked Questions What types of church accounts fit this program?Small to mid-size houses of worship, chapels, and mission sites that run services, community programs, and optional childcare/preschool operations are a good fit. The program is built for congregations that need specialized liability extensions like clergy counseling E&O and abuse coverage. Which states and admission options are available?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can access admitted carriers in some markets and E&S capacity where necessary; availability depends on the state and the specific risk profile. Do you offer abuse and clergy counseling coverage?Yes. The program offers sexual/physical abuse limits (commonly listed as $100,000 per claim / $300,000 aggregate in many markets) and clergy counseling E&O. Exact limits and terms depend on the carrier and underwriting review. What underwriting information speeds a quote?Provide a completed ACORD application, current loss runs, details on childcare operations and volunteer screening, building values and protection systems, and any contracts or rental exposures. These items help underwriters place the risk efficiently. Is property coverage available on replacement cost?Yes. Property can be written on replacement cost or actual cash value, with form options including Basic, Broad, or Special and add-ons such as equipment breakdown, fine arts floaters, and business income. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a Preschool Insurance program tailored for child care operations. Whether your client runs a licensed day care center, an in-home provider, a preschool, before/after-school care, or a program tied to an organization (church, YMCA/YWCA, hotel, club), this program provides flexible liability, property, and ancillary options to help protect their business from common and specialized exposures. Ideal Accounts and Appetite This program is a good fit for: Licensed day care centers and early education facilities In-home day care providers Before- and after-school programs Preschools and early learning centers Child care operations affiliated with churches, gyms, hotels, clubs, or similar organizations Policies can be written monoline or as a package depending on the client’s needs. Colonial General prefers accounts with documented risk management practices, clear staff-to-child ratios, and standard hiring/supervision procedures. Coverage Highlights and Advantages Commercial General Liability for Preschools: Primary limits available up to $3,000,000 occurrence/aggregate Liability rated on average daily attendance (per-child basis) Excess/umbrella capacity available up to $25,000,000 Included and available coverages: Additional interests and certificate support Errors & Omissions (E&O) coverage included at policy limits Medical payments (typically $5,000) Sexual & physical abuse coverage: Day care centers: $100,000 per claim / $300,000 aggregate In-home day care: $25,000 per claim / $50,000 aggregate (higher limits can be arranged) No deductible required on the base liability coverage Loss prevention materials and brochures available to support insureds Property and Ancillary Options: Building and contents Business income and extra expense Computer equipment and equipment breakdown Food spoilage Outside signs, accounts receivable, and valuable papers Replacement cost or actual cash value; choose basic, broad, or special form Crime Coverage: Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Underwriting Notes and Minimum Premiums Colonial General places preschool accounts in select admitted and non-admitted markets depending on the class of business and location. Risks are evaluated individually; underwriters consider enrollment size, staff qualifications, background checks, supervision policies, and incident history. While specific minimum premiums are not published here, Colonial General works with agents to provide competitive pricing and placement strategies based on the account’s exposures. Territories and Availability This Preschool Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability may vary by carrier and specific coverage requested. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General offers agents access to multiple markets and tailored underwriting for child care risks. Their underwriters understand the operational and liability exposures unique to preschools and in-home day cares and can package liability, property, abuse coverage, and ancillary products to match an insured’s needs. Market access: admitted and E&S options to place hard-to-place risks Flexibility: monoline or package placements with available excess limits Service: loss prevention materials and placement support for agents Example placements you might bring to Colonial General: A licensed suburban day care with 60 average daily attendees seeking $1M/$3M limits, property coverage, and E&O inclusion. An in-home child care provider needing a low-premium liability policy with abuse coverage and optional higher abuse limits due to unique exposures. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed day care centers, in-home providers, preschools, and child care services affiliated with churches, gyms, and other organizations. Is sexual abuse coverage included in the policy?Yes, sexual and physical abuse coverage is included. Limits vary by operation type, and higher optional limits are available for eligible accounts. How is the liability premium calculated?Liability premiums are typically rated on a per-child basis, using average daily attendance to determine the exposure basis. Are both property and liability coverages available?Yes. Property and liability can be written monoline or combined in a package, depending on the insured’s needs and the market selected. Which states is this program available in?The Preschool Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

...es Recreational or Educational Camps Boys & Girls Clubs YMCAs ...

After School Programs Insurance is a core offering from AFC Insurance Inc.’s Health & Human Services Program. Built for the distinct exposures of youth-serving organizations, this specialty insurance solution helps agents and brokers place tailored coverage for tutoring centers, recreational programs, mentoring services, and similar after school operations. AFC combines flexible forms, abuse & molestation options, and program-focused underwriting to address the real-world risks your clients face. Ideal Accounts and Appetite This program fits professional after school and youth-focused programs that operate in structured, supervised environments. Common classes include: After School Programs Anti-Bullying Programs Tutoring Centers Recreational Activities Homework Help Programs Mentoring Services Boys and Girls Clubs (excluding overnight stays) Programs must demonstrate appropriate supervision and risk management practices. Overnight programs, residential care, or operations with unsupervised high-risk activities typically fall outside standard appetite but can be reviewed case-by-case. Coverage Highlights and Advantages AFC's After School Programs Insurance provides a flexible suite of coverages designed for the liability and operational risks these organizations face. Available options include: Package policies combining key coverages General Liability & Professional Liability Endorsements and enhancements, such as: Volunteers & independent contractors added as insureds Optional key employee replacement Optional extended coverage with blanket additional insureds Umbrella liability Property coverage Auto coverage (subject to underwriting restrictions) Abuse & Molestation coverage, available and configurable by account These options help your clients manage exposures from premises liability and professional errors to more sensitive allegations—an important consideration for youth-serving organizations. Underwriting Notes and Minimum Premiums Underwriting evaluates staffing levels, supervision protocols, background screening, facility controls, program activities, and prior loss history. Minimum premiums and final terms vary by account size, services offered, and state. Provide detailed operational information—staff ratios, volunteer use, activity descriptions, safety procedures, and contracts—for the fastest response from AFC underwriters. Territories and Availability The program is offered in most states and is available on an admitted basis in the majority of those territories. AFC writes accounts in a wide range of states, including: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Availability and admitted status vary by state and line. Why Work With AFC Insurance Inc. AFC is a program administrator focused on Health & Human Services markets and understands the operational and liability challenges of youth-serving organizations. AFC offers access to multiple carriers, a program-style appetite for niche placements, and underwriters who will work with you on endorsements and risk-transfer solutions that other markets may decline. Example scenarios you can place through AFC: A suburban tutoring center with part-time staff and volunteer mentors seeking combined general and professional liability with abuse coverage added. A community recreation program that needs package coverage including property, GL, and an umbrella for larger events and off-site activities. Working with AFC gives you a responsive underwriting team, flexible forms suited to after school risks, and admitted options in many states to help meet compliance needs. Frequently Asked Questions What types of accounts are a good fit for this program? Ideal accounts include after school programs, tutoring centers, recreational programs, mentoring services, and Boys and Girls Clubs that do not offer overnight stays. Is Abuse & Molestation coverage included? Yes. Abuse & Molestation coverage is available as part of the program and can be tailored to each account’s needs. Do you cover volunteers and independent contractors? Yes. The program offers endorsements that add volunteers and independent contractors as insureds to broaden protection for your client’s workforce. Are these policies admitted or non-admitted? The program is offered on an admitted basis in most available states, which can simplify compliance and policy administration where admitted filings are required. What is the submission process like? Provide detailed information on services offered, staffing and supervision protocols, volunteer use, risk management practices, and any prior losses. AFC underwriters collaborate with appointed agents to streamline quoting and placement. Need help placing an account? Connect with a market specialist.