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Policy Highlights: Colonial General Insurance Agency, Inc. offers a flexible, comprehensive Community Association Insurance program for well-established associations with completed development or construction. The program is designed for agents and brokers placing package or mono-line property and liability coverage for associations that manage residential communities. Eligible risks include: Homeowners associations (HOAs) for single-family homes Townhouse / townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations Whether your client runs a suburban HOA, a gated townhome community, or a well-managed time-share complex, Colonial General provides modular coverage options to address the exposures these communities face. Coverage Highlights and Advantages Property coverage options Accounts receivable Basic, broad, or special form Building and contents Business income Computer equipment Equipment breakdown Inland marine Outside signs Valuable papers Replacement cost or actual cash value General liability coverage Primary limits up to $3 million occurrence/aggregate $5,000 medical payments coverage included Additional interests included at no charge Hired and non-owned auto available Excess/umbrella limits up to $25 million No deductible required (per policy terms) Crime coverage options Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises Ideal Accounts and Appetite This program works best for community associations that are fully developed and operational — active construction or new development is not eligible. Preferred accounts have: Stable financial histories and established reserves Active board governance and documented risk management practices Routine maintenance programs for common areas and building systems Accounts with recent or significant claims, ongoing construction exposure, or locations in extreme catastrophe zones may require additional review and could be declined or placed in surplus markets. Example fits for the program: A gated townhome community seeking to consolidate building and general liability coverages into a single package. A mid-rise condominium association that needs replacement-cost property coverage, business income, and an umbrella for director/officer liability exposures (placed separately as needed). Underwriting Notes and Market Access Colonial General operates as a Managing General Agency and Excess & Surplus Lines broker, providing access to a range of admitted and non-admitted carriers depending on the risk profile. Underwriting is consultative and structured to match coverage options to the association’s exposures. Key considerations include the association’s financials, claims history, maintenance records, and governing documents. Territory and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place eligible risks in admitted markets where available; surplus markets are used when necessary. Why Work With Colonial General? Colonial General brings decades of regional experience serving the Western U.S. Their Community Association Insurance program emphasizes flexible policy structures, broad market access, and hands-on underwriting support for agents and brokers. If you need to place a single association or a small portfolio of HOAs and condos, Colonial General can help you identify appropriate admitted or E&S carriers and streamline placement. Frequently Asked Questions What types of accounts are a good fit for this program?Established homeowner associations, townhome associations, residential and time-share condominium associations, and cooperative housing corporations with completed development and active management. Are mono-line policies available?Yes. Both mono-line property or liability policies and package policies can be placed depending on the insured’s needs. Is this program available on an admitted basis?Some admitted markets are available; eligibility depends on the specific risk and location. Colonial General also places business in surplus lines when appropriate. What states is the Community Association Insurance program offered in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the general liability coverage?Primary liability limits up to $3 million per occurrence/aggregate are available, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

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Policy Highlights for Condominium Insurance: Colonial General Insurance Agency, Inc. offers a targeted Condominium Insurance program for established community associations where construction and development are complete. This program is built for independent retail agents and brokers who need flexible property, liability, and crime solutions for community associations. Best-fit account types: Single-family homeowner associations (HOAs) Townhouse and townhome associations Residential condominium associations Time-share condominium associations Cooperative housing corporations The program is available to retail agents and brokers in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can place risks in both admitted and non-admitted markets depending on the state and the account’s profile, giving you more options for harder-to-place exposures. Coverage Highlights and Available Options Property coverage (examples): Accounts Receivable Basic, Broad, or Special Form coverage Building and contents (including common-area property) Business Income / Extra Expense Computer equipment Equipment breakdown Inland marine for scheduled property Outside signs Replacement cost or actual cash value valuation Valuable papers and records Commercial General Liability (CGL): Primary limits available up to $3 million (per occurrence/aggregate) $5,000 Medical Payments included Hired and Non-Owned Auto Liability available Additional insureds / additional interests included at no additional cost where applicable Excess / Umbrella limits available up to $25 million No liability deductible required on many programs Crime Coverage Options: Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage Ideal Accounts and Appetite Colonial General targets well-established, professionally managed residential associations with completed infrastructure and routine maintenance practices. Typical appetites include communities with standard exposures, stable operations, and limited recent losses. Accounts NOT appropriate for this program include new developments, associations still under construction, or projects with significant ongoing developer activity. Example scenarios that often fit: You represent a 150-unit condominium community in Colorado with shared amenities, professional management, and minimal claims history — a good candidate for a combined property and liability placement through Colonial General. A managed townhome association in Nevada seeking property replacement-cost coverage plus a modest umbrella — Colonial General can access admitted or E&S markets to provide options. Why Place Business With Colonial General? As a Managing General Agency and E&S broker, Colonial General combines broad underwriting experience with access to multiple carrier markets. That mix makes the program useful when standard markets are limited or when you need a tailored placement that combines property, liability, and crime coverages. Colonial General emphasizes responsive service, flexible terms (admitted and non-admitted where available), and consolidated placements to reduce carrier fragmentation for your client. Territories and Market Access This Condominium Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General can place business in admitted markets where available and in non-admitted (E&S) markets when necessary to secure appropriate terms. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. Minimum premium requirements and binding authority vary by carrier and account size. Submit a full exposure summary, copies of declarations pages, loss runs, and details on management and maintenance practices to get the most accurate underwriting response. Frequently Asked Questions What types of accounts are a good fit for this program? Well-established residential community associations — HOAs, townhome communities, and condominium associations with completed construction and professional management are ideal. Is new construction or development eligible? No. The program is designed for completed and operational associations. Associations still in construction or active development are not eligible. Which states is this program available in? The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier and whether admitted markets are offered in a given state. Can I write property and liability together? Yes. Coverages can be written mono-line or packaged to include property, general liability, and crime options depending on the account and carrier appetite. Are there minimum premium requirements? Minimums vary by carrier and account. Contact Colonial General for specific underwriting guidelines and minimum premium thresholds for your submission. Need help placing an account? Connect with a market specialist.

Group Home Insurance from RPS NIPC is a specialty program built to meet the insurance needs of residential care providers that serve individuals with physical, developmental, or intellectual disabilities. Designed for both for-profit and non-profit operators, this admitted nationwide program gives agents access to broad, integrated protection for the operational and professional risks common in group home settings. RPS NIPC has been placing Social Service Insurance since 1976 and brings deep sector expertise to this line. The Group Home Insurance program is offered on an admitted basis and is underwritten by American Alternative Insurance Corporation (AAIC), an A.M. Best A+ XV carrier. This program is positioned for agents who need an admitted, scalable solution for single-site homes up through multi-site organizations managing multiple residences and service models. Ideal Accounts and Appetite This program targets residential care facilities that provide long-term or transitional housing for vulnerable populations. Typical fits include: Group homes serving individuals with developmental, intellectual, or physical disabilities Residential programs for physically impaired residents Transitional housing and supportive-living programs Small non-profit providers up to larger multi-site operators Accounts that usually fit well: operations with trained, screened staff; structured care plans; and documented policies for medication, supervision, and incident reporting. Accounts that commonly need special consideration include facilities with high client-to-staff ratios, unlicensed programs in regulated states, or operations offering high-risk clinical services. Coverage Highlights and Advantages The Group Home Insurance program bundles coverages that address the full spectrum of exposures for residential care facilities: Professional Liability — malpractice and negligent care allegations General Liability — premises and third-party bodily injury Physical & Sexual Abuse Liability — specialist abuse coverage wording Automobile Liability — owned, hired and non-owned auto exposures Management Liability — Directors & Officers with EPLI options Property, Inland Marine & Crime — building, contents and theft/fidelity protection Excess Liability — higher limits for catastrophic incidents Packaging these coverages through one admitted program helps reduce coverage gaps and simplifies claims coordination for your clients. Underwriting Notes and Minimum Premiums RPS NIPC underwriters evaluate operations with attention to clinical services, staffing, licensing, and loss control. Minimum premiums vary by account size and scope; contact the RPS underwriting team for precise quoting. When preparing a submission, include clear information on: Population served and client acuity Number of homes and locations Services provided (medical, behavioral, vocational, etc.) Staffing levels, screening, and training practices Licensing, accreditation, and inspection history Five-year loss run history and any regulatory actions Territories and Availability The program is available on an admitted basis in all 50 states and Washington, DC: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WY. Why Work With RPS NIPC As a Program Administrator focused on social services, RPS NIPC offers underwriters with sector experience, responsive service, and admitted paper through a top-rated carrier. Agents benefit from: Specialized underwriting tailored to group home risks Admitted solutions that simplify placement and compliance Flexible packaging to address operational and management exposures Access to excess capacity and property/crime options for consolidated limits Example account scenarios: You might have a small non-profit operating three group homes seeking admitted limits and abuse coverage, or a regional provider with a mix of residential and transportation exposures that needs combined GL, professional, auto, and D&O protection on admitted paper. To learn more about Group Home Insurance and other RPS NIPC Specialty Programs, please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include group homes serving residents with physical or developmental disabilities, transitional housing programs, and both non-profit and for-profit residential care facilities. Is the program admitted in all states?Yes. The Group Home Insurance program is available on an admitted basis in all 50 states and Washington, DC. What carrier underwrites this program?The program is underwritten by American Alternative Insurance Corporation (AAIC), rated A+ XV by A.M. Best. What is the minimum premium for this program?Minimum premiums vary by the size, scope, and services of the facility. Contact RPS NIPC for an accurate quote based on the account details. What types of liability are included in the coverage?Coverage includes professional liability, general liability, abuse and molestation, auto liability, management liability (D&O with EPLI), property, crime, and excess liability. Need help placing an account? Connect with a market specialist.

Policy Highlights for Long Term Care Facilities Insurance: Colonial General Insurance Agency, Inc. offers a competitive, flexible Long Term Care Facilities Insurance program tailored for independent living and assisted living facilities. With a widened underwriting appetite and reduced base rates, this program helps agents and brokers place more long-term care risks — including newer facilities and accounts with more complex exposures — using solutions designed for this niche. Ideal Accounts and Appetite This program is well-suited for: Assisted living facilities Independent living communities Small to medium-sized long-term care operations Preferred accounts are those that emphasize resident safety, maintain clean loss histories, and demonstrate strong management and risk-control practices. Facilities with documented risk management programs and locations in favorable legal venues may qualify for favorable credits and broader terms. Example: You might have a client operating a 40-unit assisted living facility in Utah with no major claims in the past five years — that profile typically fits well with this program given the updated coverages and lower base rates. Coverage Highlights and Advantages Colonial General’s Long Term Care Facilities Insurance program delivers broad liability solutions and expanded options for assisted and independent living operations. Key features include: For assisted and independent living: Lower base rates designed to increase placement opportunities Removal of the assault and battery exclusion where allowable Occurrence-form coverage available for independent living facilities Medical payments for non-residents with $2,500 and $10,000 limit options Broadened coverages and options: Higher limits for sexual abuse and molestation exposures Punitive damages coverage where legally permitted Split liability limits to better manage complex exposures Defense costs outside the limits of liability Communicable disease coverage Expanded territory options and credits for preferred venues Underwriting Notes and Minimum Premiums The program is accessible through both admitted and non-admitted markets depending on the state and account characteristics. Colonial General partners with multiple carriers to align the risk with the most appropriate market. Minimum premium thresholds vary by carrier and jurisdiction; the program’s reduced base rates make it practical for a wide range of account sizes. Territories and Availability Coverage is available for risks located 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? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep market access with focused underwriting expertise for the long-term care sector. They support independent agents and brokers by placing business other markets may decline and by offering responsive service, flexible terms, and an expanded appetite for assisted and independent living risks. To learn more about this program or explore additional markets, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Assisted living and independent living facilities with clean loss histories, documented risk controls, and strong management practices are the best fits for this program. Are both admitted and non-admitted options available?Yes. Colonial General places accounts in admitted and non-admitted markets depending on the state and the specific characteristics of the risk. Is occurrence form coverage available?Yes. Occurrence-form coverage is available for independent living facilities under this program, subject to underwriting. Does the policy include coverage for communicable diseases?Yes. Communicable disease coverage is part of the program to help facilities manage that exposure where offered by the underlying carrier. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.