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Individual Residential Alternatives Insurance is a key component of AFC Insurance Inc.’s comprehensive Health & Human Services program. Designed for service providers supporting individuals with developmental or intellectual disabilities, this specialized insurance solution helps protect providers offering care in supervised apartment settings. If you’re working with clients who assist developmentally disabled or mentally handicapped individuals seeking independent living with supportive oversight, this program is built for their unique risks and exposures. Ideal Accounts and Appetite This program is specifically tailored for organizations and caregivers offering residential services to: Developmentally Disabled individuals Mentally Retarded/Mentally Handicapped persons Elderly individuals requiring supportive living arrangements These may include non-profits, private care agencies, and other organizations managing Individual Residential Alternatives (IRAs), supervised apartments, or similar facilities where residents receive daily living support. Coverage Highlights and Advantages The program offers a robust package of insurance coverages to address the complex liability and operational exposures faced by IRA providers. Available coverages include: General Liability and Professional Liability Property and Auto (with some restrictions) Umbrella coverage for extended limits Abuse and Molestation coverage Coverage Endorsements and Enhancements, including: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds This flexibility allows agents to meet the specific needs of each client, whether they operate a small group home or a multi-location care organization. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size and scope of the operation, as well as selected coverages. AFC Insurance Inc. evaluates each submission with a focus on aligning coverage to specific exposures. Certain auto risks may be restricted, and a strong risk management or training program is often favorable in underwriting. Example accounts that fit well include: A community-based nonprofit operating several supervised apartments for adults with developmental disabilities A private agency providing 24/7 care to elderly clients in an Individual Residential Alternative setting Territories and Availability This program is available in most 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. The program is written on an admitted basis in most states, though availability may vary based on class and carrier. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a trusted program administrator with deep experience in Health & Human Services insurance. Their Individual Residential Alternatives Insurance program is designed with the unique exposures of caregiving and supportive housing in mind. Agents benefit from a responsive underwriting team, flexible coverage options, and access to a variety of carriers. Whether you're helping a startup nonprofit or an established care provider, AFC can help you deliver tailored solutions that protect your clients and support their mission. Frequently Asked Questions What types of accounts are a good fit for this program?Organizations providing residential services to developmentally disabled, mentally handicapped, or elderly individuals in supervised apartment settings are ideal candidates. Is abuse and molestation coverage included?Yes, abuse and molestation coverage is available as part of the program to help address critical liability exposures in caregiving environments. Are volunteers and independent contractors covered?Yes, the program offers endorsements that include volunteers and independent contractors as insureds, helping clients extend protection beyond regular employees. Which states is this program available in?The program is available in most states, including NY, CA, TX, FL, and many others. Availability may vary depending on the specific risk and carrier. What are the minimum premium requirements?Minimum premiums vary depending on coverage selections, risk size, and operations. AFC evaluates each submission individually to determine premium requirements. Need help placing an account? Connect with a market specialist.

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Group homes serve as vital residential facilities for individuals with chronic disabilities, developmental delays, or behavioral challenges. These homes typically house six or fewer individuals and provide 24/7 care through trained staff. As an agent or broker, you understand the unique risks these operations face—including professional liability, general liability, and property exposures. Colonial General Insurance Agency, Inc. offers a specialized Group Home Insurance program tailored to meet these specific needs. Overview of the Program from Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a range of markets, including some admitted options. Our Group Home Insurance program is designed for small, community-based residential settings that care for children or adults with chronic disabilities. Our goal is to help agents like you place these sensitive and specialized risks with confidence. Ideal Accounts and Appetite This program targets group homes that operate in a professional, structured environment with trained staff. Ideal accounts include: Privately owned group homes for adults with developmental or physical disabilities Children’s group homes with state or private licensing Homes that do not transport clients (non-owned auto can still be included) We are best suited for standard, single-family homes that are licensed or certified and follow established care protocols. Homes involved in high-risk behaviors, unlicensed operations, or facilities with histories of abuse or neglect may not qualify. Coverage Highlights and Advantages Our program provides flexible and comprehensive coverage options, including: Separate or combined Commercial General Liability (CGL) and Professional Liability (PL) limits Occurrence form General Liability coverage Defense costs either inside or in addition to policy limits Punitive damages coverage where permissible Minimum premium range from $2,000 to $4,000, depending on policy limits Incident-sensitive coverage with a discovery clause Primary coverage available for employed MDs and psychologists Non-owned auto coverage available Underwriting Notes and Minimum Premiums Underwriting is focused on the safety and management practices of the facility, staff qualifications, and claims history. Minimum premiums typically start between $2,000 and $4,000, depending on coverage limits and the specifics of the risk. Providing complete and accurate applications with supporting documentation will help speed the underwriting process. Territories and Availability This Group Home Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We have access to admitted and non-admitted markets depending on the location and risk profile. Why Work With Colonial General? With Colonial General, you gain a partner who understands the complexities of group home risks. Our internal underwriting expertise, broad market access, and flexible coverage structures make us a strong choice for agents seeking reliable solutions for these sensitive accounts. Whether your client is opening a new facility or looking to improve coverage terms on an existing one, our team is ready to assist. Frequently Asked Questions What types of group homes are eligible for this program?Eligible homes typically include licensed residential facilities for adults or children with developmental, physical, or behavioral challenges, operating in a single-family home setting. Is professional liability included in the policy?Yes, professional liability can be written separately or combined with general liability, depending on the risk and the insured’s needs. Do you offer coverage for staff who are licensed medical professionals?Yes, primary coverage is available for on-staff MDs and psychologists as part of the program. What is the minimum premium for this program?Minimum premiums typically range from $2,000 to $4,000, depending on policy limits and underwriting factors. In which states is this program available?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.