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Overview of the Program From Colonial General Insurance Agency, Inc. Colonial General’s Halfway House Insurance program is designed for agents placing property and liability coverage for health care and social service facilities that provide voluntary outpatient services and/or short-term or temporary stays. Available on a mono-line or packaged basis, the program combines commercial general liability, property, crime, and professional exposure options to address the mix of premises, operations and abuse/molestation risks typical of transitional care and community residential settings. Ideal Accounts and Appetite This program is a fit for facilities such as halfway houses, transitional living programs, sober living and outpatient treatment centers that offer voluntary, short-term stays and on-site services. Typical accounts include small to midsize facilities with limited medical procedures, structured supervision, and documented intake/monitoring processes. Generally acceptable: Voluntary outpatient treatment programs with temporary overnight stays Transitional residential programs and halfway houses Community support and social service facilities with on-site supervision Generally not a fit (examples): facilities providing long-term skilled nursing, inpatient acute psychiatric care, extensive surgical or inpatient medical procedures, or accounts with known regulatory or licensing issues. Underwriting will evaluate claims history, staffing, resident mix and supervision policies. Coverage Highlights and Advantages Colonial General offers broad limits and modular coverages that let you tailor policies to client exposure. Highlights include: Commercial General Liability — Primary limits up to $3,000,000 occurrence/aggregate Excess/Umbrella — Limits available up to $25,000,000 Additional interests coverage — $100 each Included coverages: Medical payments ($5,000), Errors & Omissions (professional liability) part, and Sexual & Physical Abuse coverage (up to $25,000 per claim/$50,000 aggregate; higher limits optional) Property coverage options — Accounts receivable, building, contents, business income, equipment breakdown, food spoilage, computer equipment, outside signs, valuable papers, replacement cost or ACV, and choice of basic, broad or special form Crime coverage — Inside the premises (theft of money and securities; robbery or safe burglary of other property) and Outside the premises These options help manage the common exposures for transitional care providers: third-party liability, abuse/molestation allegations, property loss and crime/theft risks tied to cash handling and communal settings. Underwriting Notes and Minimums Underwriting focuses on occupancy type, resident population, staffing levels, written policies (intake, supervision, medication control, background checks), and prior loss activity. A $500 minimum deductible is required. Appetite and terms vary by state and by market; Colonial General places accounts both admitted and non-admitted depending on available markets. Territories and Availability The program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted coverage is available in some markets; where admitted placements are not available, Excess & Surplus (non-admitted) options are offered. Carrier availability varies by submission and state. Why Work With Colonial General on Halfway House Accounts As a Managing General Agency and E&S broker, Colonial General combines targeted underwriting with access to multiple markets so you can place complex transitional care risks that standard markets may decline. The program’s modular structure lets you add property, crime, professional, and abuse/molestation limits to fit client exposures. Use this market when you need flexible limits, higher umbrella capacity, or specialty abuse coverage options for voluntary residential/social service facilities. Example scenarios You have a small transitional living home that needs primary liability, contents, and business income coverage after a prior property claim — the program can package property and liability with a $500 deductible. An outpatient treatment center that occasionally houses clients overnight needs sexual/physical abuse coverage and an excess umbrella — higher umbrella limits are available through Colonial General’s markets. Frequently Asked Questions What types of accounts are a good fit for the Halfway House Insurance program?Facilities providing voluntary outpatient services and short-term or temporary stays—such as halfway houses, transitional living, sober living, and similar social service programs—are the core appetite. Underwriting will confirm staffing, supervision and intake protocols. What liability and abuse coverage limits are available?Primary commercial general liability is available up to $3,000,000 occurrence/aggregate, with excess/umbrella capacity up to $25,000,000. Sexual and physical abuse coverage is included up to $25,000 per claim/$50,000 aggregate with higher optional limits available subject to underwriting. Is property and crime coverage available through this program?Yes. Property options include building, contents, business income, equipment breakdown, replacement cost or ACV, and more. Crime coverage for inside and outside the premises (theft, robbery, safe burglary, etc.) is also available. Need help placing an account? Connect with a market specialist.

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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: If you place accounts that operate van pooling or commuter shuttle services, Colonial General Insurance Agency, Inc. offers a responsive market tailored to this niche transportation risk. Our Van Pooling Insurance program helps agents secure coverage that meets applicable state and federal requirements while providing flexible limits and terms for group transport operations. Ideal Accounts and Appetite We write operations that transport regular groups of commuters, employees, or members of organized travel programs. Good fits include: Employer-sponsored van pools (regular, scheduled commutes) Public or private commuter services with defined routes Nonprofit ride-sharing or community van pool programs Municipal or community transportation providers operating short-to-mid range routes We prefer accounts operating within the Western U.S. (see Territories below) with demonstrable safety controls and a favorable loss history. Typical non-fits include long-haul charter bus operations, on-demand ride-hailing platforms, or fleets with a recent history of large liability losses. Coverage Highlights and Advantages Colonial General’s Van Pooling Insurance program is built for the exposures common to group passenger transport. Key features include: Liability limits up to $1,000,000 Combined Single Limit (CSL) Physical damage coverage with deductible options from $500 to $5,000 Ability to meet state and federal minimums tied to passenger seating capacity, with total coverage options available up to $1.5 million Operation radius options up to 500 miles to accommodate local and regional routes This program is structured to handle the regulatory and operational nuances of van pooling—such as passenger counts, route radius, and seating configurations—so you can place accounts with confidence that required limits and endorsements are available where needed. Underwriting Notes Underwriting evaluates fleet size, average trip length, driver hiring and training practices, driver background checks, and loss history. Documents commonly requested include: driver rosters and MVRs, vehicle maintenance records, and a description of routes and pickup locations. While we do not publish a specific minimum premium, our goal is to deliver competitively priced solutions aligned with the risk profile. Examples of factors that improve tractability: Consistent, scheduled routes and limited radius Formal driver qualification and training programs Preventive maintenance and documented inspection programs 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 state and specific risk details; otherwise coverage is placed through non-admitted carriers. If you have an account near a state border or that occasionally travels outside the listed states, discuss route details with underwriting to determine eligibility. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker with transportation expertise, Colonial General gives agents access to multiple carrier markets, flexible terms, and quick underwriting responses. Our team focuses on matching van pooling accounts to the right admitted or surplus market, helping you place business faster and reduce placement friction. You might have a client who operates a 12-passenger, employer-sponsored van that transports employees 25–40 miles each way; this program can provide limits and radius options to meet that client’s needs. Or you may place a community nonprofit running scheduled commuter shuttles inside a metropolitan area—Colonial General can tailor coverages and deductibles to fit the operation and budget. 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., especially those with scheduled routes and documented safety procedures. What is the maximum liability limit available?Liability coverage is available up to $1,000,000 CSL, with total coverage options up to $1.5 million in cases where seating capacity or regulatory requirements demand higher limits. Are both admitted and non-admitted markets available?Yes. Depending on the state and risk characteristics, we can place coverage in admitted markets where available or access non-admitted markets through E&S solutions. Is there a minimum premium for this program?We do not publish a specific minimum premium. Pricing is determined by underwriting factors such as fleet size, driving radius, and loss history, and we aim to offer competitive terms for qualified risks. 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.