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NIF Group Inc. administers a robust, flexible H... housing programs, addiction recovery homes, and community re-entry facilities...

Group homes serve as vital residential faci...quently Asked Questions What types of group homes are eligible for this program?Eligible homes typically include licensed residen...

Group Homes Insurance — AFC Insurance Inc. Group Homes Insurance is part of AFC Insura...nt and volunteers. Do group homes need to be licensed to qualify? ...

...Agency, Inc. offers a specialized Halfway House Errors and Omissions Insurance...is program?This program is ideal for halfway houses and transitional living facilities...

NIF Group Inc. offers a focused insurance progr.... What carrier backs this program?NIF Group places this program with Liberty M...

...s and hospital systems Physician groups and individual practices Long-term care facilities and nursing homes Miscellaneous medical facilities su...re risks, including ACOs, FQHCs, and halfway houses. What types of coverages are avail...

Program Highlights for In-home Business Insurance: Overview — Colonial General Insurance Agency, Inc. In-home Business Insurance Colonial General Insurance Agency, Inc. offers an In-home Business Insurance program designed for small, owner-operated businesses that run from the insured’s residence. Unlike many standard homeowners policies that exclude business exposures, this program is written as a supplement to the homeowner policy so the home and the business can be insured together. Colonial General underwrites these risks as a Managing General Agency and Excess & Surplus Lines broker with access to multiple markets (carriers vary). Ideal accounts and target classes Owner-operated retail distribution from the home (online shops, craft sellers, direct-to-consumer product sales). Service professionals working from a home office (consultants, bookkeepers, designers, small IT shops) with limited or no public traffic. Creative and light production businesses (artists, tailors, small-scale woodworking or custom jewelry where processes and materials are low hazard). Accounts operated by the insured and/or immediate family with no more than three employees. What typically fits — and what does not Good fits are small operations with low premises exposures, limited customer visits, modest inventory stored on site, and no heavy equipment or hazardous processes. This program generally will not accept accounts that involve significant manufacturing, high customer foot traffic, regular on-site instruction/classes with many attendees, large-volume flammable storage, auto repair, or other high hazard operations. Coverage highlights Business Personal Property — protection for stock, tools, and business equipment kept at the residence. Business Income — limited time element coverage for income interruption tied to the home business operations. Business General Liability — coverage for third-party bodily injury and property damage arising from business operations. Standard All Perils Deductible — consistent deductible structure designed to align with the packaged homeowners supplement. Medical Payments — for on-site medical expense payments to third parties regardless of fault. Underwriting notes for agents Maximum employees: typically the insured and immediate family plus up to three employees. Verify payroll and employee counts on submission. Operations: program focuses on retail distribution or low-exposure services performed at or from the home. Describe production processes, materials, and any flammable or hazardous substances used. Premises exposures: photos of the work area, description of customer access and parking, and any fire or safety protections are commonly requested. Loss history: submit prior loss runs when available — underwriting reviews frequency and severity closely on home-business risks. Carrier placement: markets vary by class and state; some territories have admitted capacity while others are placed on a non-admitted/E&S basis (see availability below). Territories and availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Admitted capacity is available in some markets; other placements may be handled on an Excess & Surplus basis depending on the class and state. Because carriers and admitted status vary, submit early or contact Colonial General underwriting to confirm placement options for a specific state and class. Why work with Colonial General on in-home business accounts Colonial General focuses on small, home-based businesses and understands how to package business coverages with homeowner exposures without forcing a separate commercial property policy. The program streamlines placement for common home business classes, offers tailored limits for personal property and liability, and gives agents flexible access to admitted and non-admitted markets. For borderline or nonstandard situations, Colonial General’s MGA/E&S capabilities can help find an appropriate market. Quick example scenarios Example A — An Etsy artisan sells handcrafted goods online and stores finished inventory in a garage workroom. The owner wants coverage for stock, tools, and limited liability for buyer visits. This program can provide business personal property and liability coverage as a supplement to the homeowner policy. Example B — A freelance bookkeeper works from a home office, has no in-person client traffic, and needs professional liability and business income protection for computer equipment and records. The program accommodates low-exposure office services operated from the residence. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s In-home Business program?Accounts that fit best are owner-operated, retail distribution or low-exposure service businesses run from the home, with limited customer visits, modest on-site inventory, and no more than three employees (including immediate family). Examples include online retailers, artists/crafters, consultants, and small home offices. Is this coverage written standalone or combined with a homeowners policy?The program is written as a supplement to the homeowner policy so the residence and the in-home business are insured together. Placement details and eligibility are confirmed by Colonial General underwriters and vary by market. Can customers visit the home for pickups or appointments?Limited customer visits are typically allowed but depend on the class and expected foot traffic. High customer volume, instruction classes, or regular public events are usually not acceptable. Provide details on expected visits when submitting so underwriters can assess exposure. Which states and admitted options are available?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted capacity while others may require non-admitted/E&S placement; carriers vary by state and class, so check with Colonial General for current market availability. Need help placing an account? Connect with a market specialist.

...owing operations that handle motor homes and large RVs. As an experienced mana...wing or in-transit services for motor homes are the primary targets for this p...

...owing operations that handle motor homes and large RVs. As an experienced mana...wing or in-transit services for motor homes are the primary targets for this p...

Mobile Home Park Insurance Program from Colonial General Insurance Agency Colonial General Insurance Agency, Inc. offers a specialized Mobile Home Park Insurance program designed to help independent agents and brokers place coverage for a range of mobile home and RV park risks. Whether your clients operate permanent mobile home parks, seasonal RV parks, or year-round campgrounds, this program provides flexible solutions with both property and liability options available on a monoline or package basis. Ideal Accounts and Classes This program is well-suited for: Mobile home parks (both permanent and tourist-based) Recreational vehicle (RV) parks Campgrounds with short- or long-term guest stays Typical accounts include family-owned parks, regional park operators, and seasonal sites. You might have a client with a multi-acre RV park in Arizona catering to snowbirds or a mobile home community in Utah with permanent residents—both are excellent fits for this program. Coverage Highlights and Advantages Property Coverage Options: Accounts Receivable Basic, Broad, or Special Form Building and Contents Business Income and Extra Expense Computer Equipment Equipment Breakdown Food Spoilage Inland Marine Outside Signs Replacement Cost or Actual Cash Value Valuable Papers General Liability Coverage Includes: Primary limits up to $3,000,000 occurrence/aggregate $5,000 Medical Payments Coverage – Included Blanket Additional Insureds – Included Liquor Liability (where applicable) Hired and Non-Owned Auto Liability Excess or Umbrella limits up to $25,000,000 No liability deductible required Crime Coverage Options: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Losses Outside the Premises Underwriting Notes Colonial General underwrites through a variety of carriers and offers access to both admitted and non-admitted markets, depending on the risk profile and state. This flexibility allows you to place both standard and harder-to-place risks efficiently. While minimum premium requirements vary by carrier, the underwriting team will work closely with you to review submissions and explore viable options for your accounts. Territories and Availability This program is currently available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General maintains a strong regional focus in the Western U.S., making them a reliable partner for agents working in these territories. Why Work with Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker with deep experience in specialty property and liability risks, Colonial General provides access to a wide range of markets and strong underwriting support. Their expertise in the mobile home park and RV park segment allows you to deliver tailored coverage solutions for your clients while streamlining the placement process. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for mobile home parks (permanent or tourist-based), RV parks, and campgrounds, including both seasonal and year-round operations. Is coverage available on an admitted or non-admitted basis?Colonial General offers both admitted and non-admitted options, depending on the specific risk and state requirements. What limits are available for liability coverage?The program offers primary general liability limits up to $3 million occurrence/aggregate, with excess or umbrella coverage available up to $25 million. Are there any specific states where this program is available?Yes, the program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is included in the property coverage?Property coverage includes options such as buildings, contents, business income, equipment breakdown, outside signs, inland marine, and more. Need help placing an account? Connect with a market specialist.