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AFC Insurance Inc. offers a specialized Health & Human Services Program tailored to the unique exposures faced by organizations providing Drug Rehabilitation Insurance Services. This comprehensive program is designed for professional treatment centers and facilities that deliver medical and behavioral care, including nutritional counseling and outpatient services. With broad eligibility and flexible coverage options, AFC’s program supports agents and brokers in placing challenging rehab-related accounts with confidence. Ideal Accounts and Appetite AFC’s program is well-suited for a wide range of drug and alcohol treatment services, including: Drug and Alcohol Rehabilitation Centers Outpatient Alcohol & Drug Counseling Inpatient Halfway Houses Methadone Clinics (as part of broader services) Early Release Programs for Alcohol & Drug Offenders Outpatient Detox Facilities Clinics (when part of an overall treatment program) If you have clients offering integrated drug rehab services — for example, a facility that combines counseling, detox, and housing support — this program may be a great fit. Coverage Highlights and Advantages The Health & Human Services Program includes a robust package of coverages designed for the rehab sector: General and Professional Liability Package Policies Umbrella and Property Coverage Auto (restrictions may apply) Abuse & Molestation Coverage Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Extended Coverage Endorsement with Blanket Additional Insured These coverages help protect against the complex risks associated with providing healthcare, counseling, and rehabilitation services. Underwriting Notes and Minimum Premiums Risk eligibility is tailored, and premiums vary based on services offered and exposure levels. Note that certain operations are not eligible under this program, including: Adoption Agencies (if more than 25% of operations) Assisted Living for Seniors Birthing Centers Big Brothers/Big Sisters Programs with overnight activities Correctional Facilities Foster Care Agencies Psychiatric Hospitals Public Housing and Housing Authorities Sex Offender Programs Violent Youth Lockdowns Standalone Special Events/Fundraisers AFC works closely with agents to determine fit and structure coverage effectively for qualifying accounts. Territories and Availability This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. AFC can write business in all 50 states plus DC, depending on carrier availability and regulatory status. Most placements are available on an admitted basis. Why Work With AFC Insurance Inc. As a seasoned Program Administrator, AFC Insurance Inc. brings deep experience in the Health & Human Services sector. Their focused underwriting, flexible coverage structures, and access to multiple carriers make them a reliable partner for agents placing drug rehabilitation and behavioral health risks. If you're looking for a responsive team with the tools to handle complex rehab accounts, AFC is ready to assist. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include drug and alcohol rehab centers, outpatient detox clinics, halfway houses, and integrated treatment facilities offering counseling and support services. Are standalone clinics eligible for coverage?Clinics are eligible only when they are part of a broader rehab program. Standalone clinic operations are not eligible under this program. Is abuse and molestation coverage included?Yes, abuse and molestation coverage is available as part of the program, subject to underwriting guidelines. Can I place business in multiple states?Yes, AFC’s program is available in most states nationwide, allowing agents to write multi-state rehab operations where eligible. What is the minimum premium for this program?Minimum premiums vary depending on the type and size of the operation. Contact AFC for more details specific to your client’s needs. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers an Architects and Engineers Insurance program designed for architectural, engineering and design firms that need a focused professional liability solution. Our program combines access to admitted and surplus (E&S) markets with targeted underwriting expertise so you can place accounts with unusual exposures, mixed-discipline teams, or project-specific limits. Colonial General guarantees responsive service, technical support, and placement options across a range of carriers — coverage and premium will vary by market. Overview of the Program from Colonial General Our Architects and Engineers Insurance program provides professional liability (errors & omissions) coverage tailored to firms providing design, consulting, and engineering services. As a Managing General Agency and E&S broker, Colonial General works with multiple carriers to offer flexible limits, deductible options, and policy features suited to small design offices up to mid-sized multi-discipline firms. Ideal Accounts and Appetite Small to mid-size architectural or engineering firms (sole practitioners to firms with several dozen professionals). Disciplines we regularly place include: architectural, structural, civil, mechanical, electrical, landscape architecture, environmental consulting, and interior design. Project types: commercial tenant improvements, low- to mid-rise residential, municipal site design, utilities, and small industrial projects. We can consider mixed-discipline firms and firms with limited construction contract administration, provided risk management practices are in place. Generally not a fit: firms with large-scale construction management exposure, heavy-risk design-build projects without strong risk-transfer, or high-volatility operations without loss control. Coverage Highlights and Advantages Professional liability (E&O) coverage with multiple limits and deductible options. Access to admitted markets where available and excess & surplus options for harder-to-place risks (admitted status varies by state and carrier). Focus on practical underwriting and swift responsiveness to submissions and renewals. Value-added service: help with submission packaging, clarification of exposures, and placement strategy to secure favorable terms where possible. Underwriting Notes and Submission Requirements Underwriting decisions depend on firm size, revenue, project types, claims history, and risk management practices. Typical submission items we request include: Completed A&E application or firm résumé Five years of professional liability loss history (if applicable) Revenue by discipline and project examples Copies of standard client contracts and risk-transfer arrangements (if available) Minimum premiums, specific policy forms, and available endorsements vary by carrier. Please submit primary information so our team can identify the best market fit and advise on minimums or alternate placement strategies. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because Colonial General places business in both admitted and surplus markets, availability and policy form will depend on the state and carrier appetite — some markets may only be available on a non-admitted basis. Why Work with Colonial General Specialized A&E focus: underwriting and placement experience specific to architects, engineers and design professionals. Multiple market access: ability to place accounts in admitted markets where available and E&S when needed. Hands-on support: guidance on submission preparation, coverage options, and renewal strategy to help retain clients. Example scenarios You have a five-person architectural firm with mixed residential and tenant improvement work and a clean loss history — we can pursue admitted carriers for competitive pricing and standard forms. You represent an engineering consultant that occasionally takes on municipal utility projects and has a prior claim — we can present to E&S appetite with tailored terms to address the exposure. Frequently Asked Questions What types of A&E accounts are the best fit for Colonial General’s program?Small to mid-size architectural and engineering firms with typical commercial, residential, municipal, and site development projects are the best fit. We also consider mixed-discipline firms and consultancies with established risk management practices. Extremely large design-build contractors or firms with high-risk operation profiles may require specialized markets. Do you place accounts on admitted policies or only E&S?We place business in both admitted and excess & surplus markets depending on the state and carrier appetite. Some risks will qualify for admitted placements; others are better suited to E&S. We’ll advise on the available options when we review the submission. What submission materials should I include to get a quick response?Provide a completed A&E application or firm résumé, revenue by discipline, descriptions of typical projects, and five years of loss history if available. Copies of client contracts or standard terms also help speed underwriting. How does Colonial General handle prior claims or loss history?We evaluate claims on a case-by-case basis. A clear narrative of the circumstances, corrective actions taken, and current risk controls improves placement chances. We have carrier relationships that consider prior claims where appropriate terms and pricing are offered. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Auto Repair Shop Insurance program designed for independent agents and brokers placing automotive service and repair accounts. With access to both admitted and non-admitted markets, Colonial General combines underwriting flexibility with market access and hands-on support to help you place a wide range of shop operations. Overview of the Program From Colonial General When you place business with Colonial General, you’re working with underwriters who specialize in the automotive repair niche. The program is built for general auto service shops, collision and body shops, and specialty repair centers. Coverage and limits are structured to protect customer vehicles, shop property, and on-site operations for small independent garages up through mid-sized repair facilities. Ideal Accounts and Appetite This program is a strong fit for agents with clients such as: General auto repair and maintenance shops Brake and alignment specialists Muffler and exhaust repair shops Transmission and engine rebuilders Shops that install vehicle wraps (requires proper installer training) Facilities performing alternative fuel service and repair Colonial General will consider accounts with lift kits or suspension modifications provided the lift does not exceed 6 inches. Light-duty towing operations can be placed when supported by appropriate documentation and risk controls. Example placements you might submit: a single-location general repair shop with limited customer storage, or a mid-sized muffler/exhaust specialist with a small towing operation and in-transit exposures. Coverage Highlights and Advantages Key coverages available through this program include: Garage Liability limits up to $1,000,000 per accident $3,000,000 General Liability aggregate $5,000 Medical Payments Garage Keepers Coverage provided on a primary basis for specified causes of loss Dealers Physical Damage and Fire Legal Liability False Pretense Coverage Broadened Coverage endorsements In-Transit Coverage for towing operations Property coverage for buildings, tools, and equipment These features help your clients manage exposures related to customer vehicles in custody, third-party injury and property damage, equipment losses, and exposures created while towing or transporting customer vehicles. Underwriting Notes and Minimum Premiums Colonial General emphasizes quick, case-by-case underwriting and competitive pricing. While specific minimum premium figures are not published here, eligibility and final pricing depend on the operation’s class, loss history, limits requested, and any specialty exposures. Typical submission requirements include a completed application, current loss runs (if applicable), and documentation for specialty operations such as towing or alternative fuel work. Territories and Availability The program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted or surplus lines availability varies by state and account specifics; Colonial General can advise on the correct market placement. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General provides agents with access to multiple competitive markets and experienced underwriters focused on auto repair risks. Their strengths include niche underwriting expertise, flexible placement options (admitted and non-admitted), and responsive service to help you move accounts quickly. Whether you’re placing a simple single-location shop or a more complex account involving towing or specialty services, Colonial General can partner with you to find the appropriate coverage solution. For more information, visit the Colonial General company profile or go directly to the Auto Repair Shop Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?General auto repair shops, brake and alignment services, muffler shops, and light-duty towing operations are ideal. Specialty shops (for example, alternative fuel or vehicle wrap installers) may qualify when you provide supporting documentation and evidence of proper training or controls. Can shops with lift kits or modified suspensions be covered?Yes. Shops that install lift kits or perform suspension modifications can be considered provided the lift does not exceed 6 inches and the installation practices meet underwriting guidelines. Is this program available in my state?This program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability of admitted or surplus lines markets depends on the state and the account’s specifics. Does the program include Garage Keepers Coverage?Yes. Garage Keepers Coverage is available on a primary basis for specified causes of loss—confirm coverage form details during submission. What should I submit to get a quote?Provide a completed application, loss runs (if any), and supporting documents for specialty operations such as towing, alternative fuel services, or vehicle wraps. Colonial General can advise on any additional requirements during intake. Need help placing an account? Connect with a market specialist.