https://completemarkets.com/company/colonialgeneral/Nursing-Home-Van-Insurance/
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.
https://completemarkets.com/company/amerspec/Independent-Car-Clubs/
American Specialty offers Independent Car Clubs Insurance for national and local clubs, on-track events, static shows, rallies, parades, autocross, cruises and other club-organized activities. Our sports-specific insurance programs and services help protect your organization and its membership while giving you placement options tailored to automotive clubs and event operators.
Eligible operations for Independent Car Clubs Insurance
National clubs
Regional and local clubs
On-track events
Autocross
Static car shows
Rallies and cruises
Parades
Club-hosted social events and fundraisers
Program highlights
A.M. Best "Excellent" or higher carriers (varies by program)
Admitted coverage where available
Program-specific forms and rates tailored for car clubs and events
Non-auditable policy option
24-hour claims service and in-house claims management
In-house underwriting, risk management and policy administration
Online resources and tools for agents and insureds
Coverage highlights
General Liability (including participant legal liability)
Excess / Umbrella limits
Liquor Liability for club events
Automobile liability for owned/leased club vehicles (where applicable)
Property and equipment coverage for club-owned property and event property
Crime and employee benefits liability
Participant accident medical and catastrophic medical coverage
Workers’ compensation and deductible / SIR options
Overview — American Specialty's Independent Car Clubs Insurance
American Specialty Insurance & Risk Services (MGA) provides a program designed for insurance agents placing coverages for car clubs and their events. The program pairs program-specific forms and rates with in-house underwriting and claims services so you can offer comprehensive protection for both club operations and participants.
Ideal accounts and appetite
This program is a fit for independent agents with insureds that are:
Volunteer-run or membership-based car clubs (local, regional or national)
Organizers of static shows, cruise nights, rallies, parades, autocross and similar events
Clubs that host social events, fundraisers and occasional track days
Groups seeking participant accident coverage or liquor liability for hosted events
Not typically eligible: professional racing teams, permanent commercial racetracks hosting regular sanctioned professional racing, or promoters of large commercial festivals where operations exceed typical club event scope. Underwriting will review high-risk features such as paid professional drivers, commercial concessions, or non-club commercial promoters.
Coverage advantages for agents
Program-specific forms and pricing: simplifies placement for routine club exposures.
Admitted capacity where available, with in-house underwriting for faster turn times.
Participant accident and catastrophic medical options that address event risks.
Liquor liability and non-auditable policy options to simplify administration of social events.
24-hour claims service backed by in-house claims management to help control outcomes.
Underwriting notes & minimums
Underwriting evaluates each club by operations, event frequency, attendance, liquor exposure, participant activities, and loss history. Minimum premium and appetite vary by state and by the specific coverages requested. Minimum premium: Varies. Carriers: Varies. If an account has complex operations (regular track days, multiple paid vendors, or professional drivers), submit detailed questionnaires and event documents for review.
Territories and licensing
Available through American Specialty in these jurisdictions: 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. Admitted coverage is available where the program carrier is admitted—availability and placement options will vary by state.
Why place this business with American Specialty
MGA with niche experience placing sports- and recreation-related programs.
In-house underwriting, risk management and claims teams focused on event and participant exposures.
Program-specific forms and online resources that reduce placement friction for agents.
Flexible limits and coverage modules to create a package appropriate to club size and activities.
Example placements
You have a regional car club that hosts quarterly static shows and an annual cruise night with volunteer marshals — this program can combine general liability, liquor liability for the evening social, and participant accident coverage for drivers and volunteers.
A local autocross club holding occasional timed events at a municipal lot needs participant legal liability and participant accident medical coverage — the program’s event-specific forms and non-auditable policy option streamline administration.
Frequently Asked Questions
What types of car club accounts are a good fit for this program?The program fits membership-based clubs, local/regional organizations, and promoters of club-run events such as static shows, rallies, cruises, autocross and charity parades. It is designed for volunteer-run operations and occasional track or social events rather than full-time professional racing operations.
Which coverages can I package together for a club client?Common packages include General Liability with Participant Legal Liability, Liquor Liability for social events, Participant Accident/Catastrophic Medical, Automobile for club-owned vehicles where needed, Property for club-owned equipment, and Excess/Umbrella follow-form limits. Workers’ compensation and crime can also be added where appropriate.
How does underwriting handle on-track events or timed driving activities?Underwriting reviews the level of driver training, whether professional drivers are involved, safety controls, event supervision, and participant waivers. Recreational on-track events and sanctioned autocross typically qualify when safety protocols are documented; professional or commercial racing operations require a different placement.
Need help placing an account? Connect with a market specialist.