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Policy Highlights: Colonial General Insurance Agency, Inc. offers specialized insurance solutions for nursing home transportation services. If you’re an agent or broker working with clients in the senior care or medical transportation space, this program can provide the protection they need for their passenger vans and transport operations. Reach out today to discuss a quote and placement options. Overview of the Program From Colonial General Colonial General brings decades of experience as a Managing General Agency and Excess & Surplus Lines Broker, providing tailored transportation programs across the Western U.S. Our Nursing Home Van Insurance program is designed to meet the unique risks faced by nursing homes and elder care facilities that transport residents for medical appointments, outings, or treatment centers. This program supports agents looking to place specialized auto liability and physical damage coverage for commercial passenger vans. Ideal Accounts and Appetite This program is ideal for facilities providing non-emergency transportation for elderly or disabled residents, particularly those under Medicare or Medicaid contracts. We work with agents placing business for nursing homes, assisted living facilities, and long-term care providers that operate vans with passenger seating. However, please note: We generally do not have markets for wheelchair-accessible vehicles in most states. Facilities must hold valid Medicare or Medicaid transportation contracts. If you have a client operating multiple vans with scheduled routes for residents, or a mid-sized nursing home transporting patients up to 500 miles away for care, this program could be a strong fit. Coverage Highlights and Advantages Commercial Auto Liability limits available up to $1,000,000 Combined Single Limit (CSL). Meets state and federal liability requirements based on passenger seating capacity (up to 1.5 million). Physical damage coverage with flexible deductible options ranging from $500 to $5,000. Radius of operation up to 500 miles. Cargo limits up to $100,000, including coverage for refrigerated cargo breakdown. This package offers robust protection for both the vehicles and the sensitive cargo being transported—your clients' residents. Underwriting Notes and Minimum Premiums Underwriting is handled on an account-by-account basis, with consideration given to experience, safety protocols, and compliance with Medicaid/Medicare standards. While no specific minimum premium is listed, we encourage agents to contact us for details based on vehicle count and coverage selections. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; otherwise, coverage is placed through non-admitted carriers as needed. Why Work With Colonial General? Colonial General is a trusted MGA and E&S broker with deep experience in transportation and niche healthcare-related risks. We offer access to a variety of markets and flexible underwriting for agents working with specialized accounts. Whether your client operates a single van or a fleet, we can help you place reliable coverage tailored to their needs. Frequently Asked Questions What types of accounts are a good fit for this program?Nursing homes, assisted living facilities, and elder care providers that operate vans for non-emergency transportation under Medicare or Medicaid contracts. Are wheelchair-accessible vehicles eligible for coverage?In most states, we do not have markets for wheelchair-accessible vehicles. Please contact us for specific state availability. What is the maximum coverage radius allowed?We offer radius options up to 500 miles for eligible accounts. Is this an admitted or non-admitted program?Some admitted markets are available, but many placements are made through non-admitted carriers depending on the state and risk profile. What cargo coverage options are available?We provide cargo coverage limits up to $100,000, including protection for refrigerated cargo breakdown. Need help placing an account? Connect with a market specialist.

Your clients depend on their paratransit operations to provide safe, reliable transportation for people who cannot use traditional public transit. These services create unique exposures — especially for drivers, aides, and on-board attendants — and require workers compensation programs tailored to the specialty transportation space. Novatae Risk Group offers a dedicated Paratransit Workers Compensation Insurance Program placed through a nationally recognized “A”-rated carrier. With over 30 years of experience in transportation-related insurance, we understand the operational risks your clients face and have the underwriting relationships and expertise to place tougher or niche accounts. The program supports both for-profit and not-for-profit paratransit providers and is available for emergency and non-emergency transport. Because Novatae focuses on specialty transportation, we can access carriers that provide workers compensation solutions tailored to drivers and staff who handle riders with mobility, medical, or cognitive challenges. Ideal Accounts and Appetite This program is built for paratransit operations, including the following target classes: Non-emergency medical transportation (NEMT) providers Wheelchair-accessible van services Community-based disability transport programs Senior transportation and escort services You might have a client who operates a regional NEMT fleet with wheelchair-accessible vehicles and trained drivers and aides — that type of account typically fits well. Accounts with documented driver training, vehicle maintenance programs, and formal rider-handling procedures are especially desirable. Coverage Highlights and Advantages Workers compensation placement through an “A”-rated national carrier Available to both for-profit and not-for-profit entities Accessible entry point with a $7,500 minimum premium Fast turnaround on quotes when you provide a complete submission Competitive compensation for brokers working the program Submission Requirements Completed ACORD 130 form Three years of currently valued loss runs Supplemental questionnaire describing operations and controls Details on any large or unusual losses Send submissions to [email protected] or call 800-758-8113 to discuss an account with an experienced underwriter. Underwriting Notes and Minimum Premiums The program is designed for small to mid-sized paratransit operators; the minimum premium is $7,500. Favorable submissions typically show evidence of driver screening, defensive driving or rider-handling training, proactive safety programs, and documented vehicle maintenance. Accounts with repeated severe losses, unmanaged exposure to hazardous transports, or poor safety controls may be declined or require higher retentions. Territories and Availability This program is currently available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NY, NC, PA, SC, TN, TX, UT, VA, and WV. Coverage is offered across all available markets, including non-admitted where appropriate. Contact Novatae to confirm availability and market options for a specific state. Why Work With Novatae Risk Group? Novatae Risk Group is a managing general underwriter and excess & surplus lines broker with deep experience in transportation risks. Our specialized focus gives you market access, underwriting insight, and faster service for paratransit accounts that can be difficult to place in standard markets. We work with agents to assess exposures and present complete submissions that improve the likelihood of competitive terms. Call us today at 800-758-8113 to learn more about the Paratransit Workers Compensation Insurance Program. Frequently Asked Questions What types of accounts are a good fit for this program?The program is ideal for paratransit operations, including non-emergency medical transportation providers, wheelchair van services, and community-based transport companies serving seniors or people with disabilities. Is this program available to both for-profit and nonprofit organizations?Yes. Novatae’s program accepts both for-profit and not-for-profit paratransit providers. What is the minimum premium for this program?The minimum premium for the program is $7,500, which makes it appropriate for many small to mid-sized operators. Which states is this program available in?The program is available in over 25 states, including major markets such as CA, FL, TX, NY, and IL. Reach out to Novatae to confirm availability in a specific state. What documents are needed to get a quote?Provide a completed ACORD 130, three years of currently valued loss runs, the supplemental questionnaire, and details on any large or unusual losses to obtain a quote. Need help placing an account? Connect with a market specialist.