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Policy Highlights: Adult Day Care Errors and Omissions Insurance from Colonial General Insurance Agency, Inc. If you're looking to place coverage for adult day care facilities, Colonial General Insurance Agency, Inc. offers a specialized program that provides robust protection for licensed operations offering social and non-medical services to adults. This program is designed to meet the unique exposures of these facilities and offers flexible underwriting to accommodate a variety of risks. Ideal Accounts and Appetite This program is tailored for licensed adult day care centers that provide supervised, structured care and activities for adults—especially seniors—who require assistance during the day. These facilities often support clients with varying levels of mobility, cognitive conditions, or chronic illness, but do not provide overnight care or skilled nursing services. Ideal risks include: Standalone adult day care centers Facilities affiliated with senior centers or community organizations Operations that offer transportation or meal services Facilities with a strong safety record, trained staff, and clear abuse prevention protocols are generally preferred. Coverage Highlights and Advantages Coverage is available on a mono-line or package basis and includes a range of essential protections: Primary Liability Limits: Up to $3,000,000 Occurrence / Aggregate Medical Payments: $5,000 Limit Errors and Omissions Coverage: Included Sexual and Physical Abuse Coverage: Starting at $100,000 Per Claim / $300,000 Aggregate (higher limits available) Additional Interests: Automatically included No Deductible: Applies to included coverages Optional Add-Ons: Crime, Property, Hired & Non-Owned Auto coverage This comprehensive package helps protect your clients from common exposures such as professional liability, abuse allegations, and day-to-day operational risks. Underwriting Notes Colonial General works with a variety of carriers, offering both admitted and non-admitted solutions depending on market availability. Underwriting is flexible but focuses on licensed facilities with appropriate staffing and risk management protocols in place. While no minimum premium is specified, submissions should be complete to ensure efficient quoting. Territories and Availability This program is currently available to agents and brokers with 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? Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty markets. Their team understands the unique risks associated with adult day care facilities and provides access to multiple carriers to help you place even the most complex accounts. With streamlined underwriting, competitive coverage options, and responsive service, Colonial General is a reliable partner for brokers focused on the senior services space. Whether you're working with a small nonprofit facility or a growing regional operator, Colonial General can help you deliver tailored insurance solutions that meet your clients’ needs. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed adult day care centers offering social and non-medical services to adults are the best fit. Facilities with strong risk management in place are preferred. Is Errors and Omissions coverage included in the base policy?Yes, Errors and Omissions coverage is included as part of the standard policy package. Can I write this coverage on a mono-line basis?Yes, Colonial General offers both mono-line and package options depending on your client's needs. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are higher limits available for Sexual and Physical Abuse coverage?Yes, higher limits are available beyond the base $100,000 per claim / $300,000 aggregate. Contact underwriting for options. Need help placing an account? Connect with a market specialist.

Policy Highlights for our Artisan program: Colonial General Insurance Agency, Inc. offers a specialized Artisan Insurance program designed to meet the needs of contractors and skilled tradespeople across a wide range of eligible operations. Whether your clients need Property, General Liability, or Crime Coverage, we provide flexible solutions on a mono-line or package basis to help you place business quickly and efficiently. This program is ideal for artisan contractors who focus on specific trades—such as electricians, plumbers, HVAC technicians, painters, and similar professions. With access to both admitted and non-admitted markets (depending on the risk and state), we can support a broad class of risks across the western U.S. Commercial General Liability Coverage available for Artisan Insurance: • Primary limits up to $3,000,000 Occurrence / Aggregate • Electronic Data Liability • Excess or Umbrella limits up to $25,000,000 • $5,000 Medical Payments Coverage included at no additional charge • Blanket Additional Insureds—when required by contract, written agreement, or permit • Primary and Noncontributory wording available under CG 20 33 • Blanket Waiver of Subrogation included per prior written agreement • Per Project Aggregate available These features help your clients meet project requirements, reduce contractual disputes, and provide enhanced protection on job sites. Property Coverage available: • Building and Business Personal Property • Business Income and Extra Expense • Contractor’s Equipment • Equipment Breakdown • Inland Marine • Installation Floater • Computer Equipment • Accounts Receivable • Outside Signs • Basic, Broad, or Special Form options Crime Coverage available: • Theft of Money and Securities (inside and outside the premises) • Robbery or Safe Burglary of Other Property • Valuable Papers • Contractor’s Equipment • Installation Floater • Computer Equipment • Accounts Receivable • Outside Signs Ideal Accounts and Appetite Our Artisan Insurance program is best suited for small to mid-size contractors who specialize in a single trade or a combination of approved operations. You might have a client who runs a small HVAC business or an independent electrician working on residential and light commercial projects—these are great fits for our program. Risks with a clean loss history and those requiring certificates with additional insured wording, waiver of subrogation, or other contract-specific endorsements are welcome. Underwriting Notes and Market Access We work with a variety of carriers, allowing us to find competitive solutions for your artisan clients. Underwriting is handled with a practical, solutions-oriented approach. Some markets are admitted, while others may be surplus lines, depending on the class and state. Minimum premium varies by risk and coverage selected. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We understand the regional nuances and construction trends in these western states, and our team is equipped to help you navigate them with confidence. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche contractor and artisan markets. Our team is responsive, knowledgeable, and focused on helping you place business efficiently. With access to multiple markets and competitive coverage options, we provide the tools and support you need to succeed. Frequently Asked Questions What types of accounts are a good fit for this program?Small to mid-sized artisan contractors such as electricians, plumbers, HVAC techs, painters, and similar trades are ideal for this program. Is this program available in admitted markets?Some admitted markets are available depending on the risk and the state, while others may be placed through surplus lines carriers. Can I get coverage for contractor’s equipment?Yes, contractor’s equipment coverage is available under both property and crime options, including inland marine and installation floaters. Which states is this Artisan Insurance program offered in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are additional insured endorsements included?Yes, blanket additional insured endorsements are available when required by contract, agreement, or permit, along with waiver of subrogation and primary/noncontributory wording. Need help placing an account? Connect with a market specialist.