Search CompleteMarkets

...re Industry ProSight’s Skilled Nursing Insurance program pairs comprehensiv...re a good fit for ProSight’s Skilled Nursing Insurance program?Licensed nursing homes, skilled nursing facilities, assisted living and m...

...ialized liability programs and a practical understanding of fire protection ex...

...vate elementary, middle, and high schools, as well as private technical, trade, and vocational schools that provide job-specific certificat...he program is ideal for private K-12 schools, vocational and trade schools, technical training centers, and ...

...vate elementary, middle, and high schools, as well as private technical, trade, and vocational schools that offer job-specific certificatio...ate technical, trade, and vocational schools, as well as private K–12 schools, tutoring centers, and learning i...

...ary, junior high/middle, and high schools, as well as private technical, trade, and vocational schools that provide specialized curriculums...ate vocational, technical, and trade schools, as well as private K-12 institut...

...e these programs to place skilled nursing, assisted living, independent living...ms?Accounts that fit include skilled nursing, assisted living, independent liv...

Policy Highlights for Optometrist Insurance: Colonial General Insurance Agency, Inc. provides a dedicated Optometrist Insurance program to help agents and brokers place tailored coverage for optometry professionals. Whether your client is a solo practitioner or manages a multi-practitioner clinic, Colonial General offers market access and underwriting solutions to address the clinical and operational exposures common to modern optometry practices. Ideal Accounts and Appetite This program is designed for licensed optometrists and optometry practices that need combined professional and business coverages. Ideal accounts include: Independent optometrists in private practice Multi-practitioner clinics with diagnostic and treatment equipment Practices offering contact lens fittings, vision therapy, and pre/post-operative care Colonial General favors accounts with documented procedures, good recordkeeping and clean claims histories. Practices outside the typical scope of primary optometry care (for example, high-risk surgical centers performing complex ophthalmic surgeries) may require referral to a specialist market. Coverage Highlights and Advantages The Optometrist Insurance program combines professional and commercial coverages to protect both clinical exposures and day-to-day operations. Notable components include: Professional Liability: Defense and indemnity for alleged malpractice arising from optometric services. General Liability: Premises and third-party liability for bodily injury and property damage. Business Property: Coverage for office contents, furniture and diagnostic/treatment equipment. Hired & Non-Owned Auto: Liability for business use of employee personal or rented vehicles. Employment Practices Liability: Defense for claims alleging wrongful employment practices. Business Income & Extra Expense: Help maintaining cash flow during a covered interruption. Equipment Breakdown: Repair or replacement of essential diagnostic and treatment equipment. Worker’s Compensation: Competitive programs to meet state requirements and protect employees. Available limits, endorsements and pricing will vary by carrier and the specific risk characteristics of each practice. Underwriting Notes and Market Access Colonial General places optometry business in both admitted and non-admitted markets as appropriate for the state and account profile. The MGA’s carrier relationships allow flexibility — admitted capacity is available where offered by markets; E&S placement is an option for more complex or higher-exposure accounts. Key factors underwriters evaluate include claims history, types of services offered (e.g., diagnostic vs. surgical), total gross receipts, staff training, and equipment inventories. Complete submissions with loss runs, office protocols and equipment schedules typically receive faster review and placement. Territories and Availability This program is available to licensed agents and brokers placing business in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Specific coverages and admitted options may vary by state and carrier, so confirm availability on a per-submission basis. Why Work With Colonial General As a Managing General Agency and E&S lines broker, Colonial General combines deep knowledge of healthcare exposures with broad market access to help you place optometry risks efficiently. The team focuses on responsive underwriting, pragmatic coverage solutions, and matching each submission with the most appropriate market. Example scenarios where this program fits well: You have a solo optometrist who needs professional liability, office property and equipment breakdown coverage for a new digital retinal camera. You represent a multi-doctor clinic expanding to a second location that requires combined GL, PL, business income and workers’ compensation placement. From start-ups to established practices, Colonial General supports agents with underwriting guidance and access to admitted and non-admitted solutions tailored to optometry operations. Frequently Asked Questions What types of accounts are a good fit for this program?Independent optometrists and small to mid-sized optometry practices with clean loss histories are an excellent fit. Multi-practitioner offices and clinics offering diagnostic services also qualify. What coverages are included in the Optometrist Insurance Program?The program includes Professional Liability, General Liability, Business Property, Employment Practices Liability, Equipment Breakdown, Business Income, and more. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Is this an admitted or non-admitted program?Colonial General offers access to both admitted and non-admitted markets, depending on the risk and state. What carriers does Colonial General work with for this program?Carrier availability varies. Colonial General matches each submission with an appropriate market based on underwriting guidelines and coverage needs. Need help placing an account? Connect with a market specialist.

Overview — IPMG Nursing Home Insurance and Risk Management IPMG provides dedicated Nursing Home Insurance and Risk Management s...accounts are the best fit for IPMG’s Nursing Home program?Licensed nursing homes, assisted and independent l...

...orking with a multi-state skilled nursing agency or a local personal care prov...alth care providers, such as skilled nursing agencies, personal care aides, an...

After School Programs Insurance is a core offering from AFC Insurance Inc.’s Health & Human Services Program. Built for the distinct exposures of youth-serving organizations, this specialty insurance solution helps agents and brokers place tailored coverage for tutoring centers, recreational programs, mentoring services, and similar after school operations. AFC combines flexible forms, abuse & molestation options, and program-focused underwriting to address the real-world risks your clients face. Ideal Accounts and Appetite This program fits professional after school and youth-focused programs that operate in structured, supervised environments. Common classes include: After School Programs Anti-Bullying Programs Tutoring Centers Recreational Activities Homework Help Programs Mentoring Services Boys and Girls Clubs (excluding overnight stays) Programs must demonstrate appropriate supervision and risk management practices. Overnight programs, residential care, or operations with unsupervised high-risk activities typically fall outside standard appetite but can be reviewed case-by-case. Coverage Highlights and Advantages AFC's After School Programs Insurance provides a flexible suite of coverages designed for the liability and operational risks these organizations face. Available options include: Package policies combining key coverages General Liability & Professional Liability Endorsements and enhancements, such as: Volunteers & independent contractors added as insureds Optional key employee replacement Optional extended coverage with blanket additional insureds Umbrella liability Property coverage Auto coverage (subject to underwriting restrictions) Abuse & Molestation coverage, available and configurable by account These options help your clients manage exposures from premises liability and professional errors to more sensitive allegations—an important consideration for youth-serving organizations. Underwriting Notes and Minimum Premiums Underwriting evaluates staffing levels, supervision protocols, background screening, facility controls, program activities, and prior loss history. Minimum premiums and final terms vary by account size, services offered, and state. Provide detailed operational information—staff ratios, volunteer use, activity descriptions, safety procedures, and contracts—for the fastest response from AFC underwriters. Territories and Availability The program is offered in most states and is available on an admitted basis in the majority of those territories. AFC writes accounts in a wide range of states, including: AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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, and WY. Availability and admitted status vary by state and line. Why Work With AFC Insurance Inc. AFC is a program administrator focused on Health & Human Services markets and understands the operational and liability challenges of youth-serving organizations. AFC offers access to multiple carriers, a program-style appetite for niche placements, and underwriters who will work with you on endorsements and risk-transfer solutions that other markets may decline. Example scenarios you can place through AFC: A suburban tutoring center with part-time staff and volunteer mentors seeking combined general and professional liability with abuse coverage added. A community recreation program that needs package coverage including property, GL, and an umbrella for larger events and off-site activities. Working with AFC gives you a responsive underwriting team, flexible forms suited to after school risks, and admitted options in many states to help meet compliance needs. Frequently Asked Questions What types of accounts are a good fit for this program? Ideal accounts include after school programs, tutoring centers, recreational programs, mentoring services, and Boys and Girls Clubs that do not offer overnight stays. Is Abuse & Molestation coverage included? Yes. Abuse & Molestation coverage is available as part of the program and can be tailored to each account’s needs. Do you cover volunteers and independent contractors? Yes. The program offers endorsements that add volunteers and independent contractors as insureds to broaden protection for your client’s workforce. Are these policies admitted or non-admitted? The program is offered on an admitted basis in most available states, which can simplify compliance and policy administration where admitted filings are required. What is the submission process like? Provide detailed information on services offered, staffing and supervision protocols, volunteer use, risk management practices, and any prior losses. AFC underwriters collaborate with appointed agents to streamline quoting and placement. Need help placing an account? Connect with a market specialist.