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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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Policy Highlights: Colonial General Insurance Agency, Inc. offers a comprehensive Adult Day Care Insurance program designed for licensed facilities that provide social and supervisory services for adults. This program is available on a mono-line or package basis and is ideal for agents and brokers seeking reliable coverage solutions for adult day care centers operating in AZ, CA, CO, ID, NV, NM, UT, and WY. Ideal Accounts and Appetite This program is tailored for adult day care centers that offer non-medical care, supervision, and structured activities for elderly or disabled adults. Ideal accounts include: Licensed adult day care facilities Centers providing social and recreational programs Facilities with no overnight or residential services Facilities with a strong focus on safety, staff training, and regulatory compliance are preferred. The program is not intended for full-time residential care centers or unlicensed operations. Coverage Highlights and Advantages Commercial General Liability: Primary limits up to $3,000,000 Occurrence / Aggregate Excess or Umbrella limits available up to $25,000,000 Medical Payments Coverage – $5,000 limit Errors and Omissions Coverage Part Sexual and Physical Abuse Coverage – up to $100,000 per claim / $300,000 aggregate (higher limits optional) No deductible required Additional Interests included Crime Coverage: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises Property Coverage: Building and Contents Business Income and Equipment Breakdown Computer Equipment Food Spoilage Outside Signs Valuable Papers and Accounts Receivable Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) options Underwriting Notes Colonial General works with a variety of carriers to place coverage on either an admitted or non-admitted basis, depending on the state and specific risk. While no specific minimum premium is listed, competitive pricing is available based on risk characteristics. Accounts are reviewed individually to ensure proper fit and coverage structure. Territories and Availability This program is available to licensed agents and brokers in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Availability may vary by risk and carrier appetite in each state. Why Work With Colonial General? Colonial General Insurance Agency, Inc. is a Managing General Agency and Excess & Surplus Lines Broker with deep expertise in niche human services risks, including adult day care operations. By partnering with a range of markets, Colonial General is able to offer flexible, competitive solutions for both standard and hard-to-place accounts. Their knowledgeable underwriters are focused on helping agents place coverage efficiently and accurately. If you have a client operating a licensed day care center for seniors or adults with disabilities, this program can help you secure the comprehensive protection they need, from liability and property to crime and abuse coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed adult day care centers that provide non-residential, social, or supervisory services for adults are ideal. Facilities must meet state licensing requirements and typically do not offer overnight care. Is this program available on an admitted basis?Some markets are admitted, while others may be non-admitted depending on the state and risk profile. Colonial General will help you find the right placement. Can I package property and liability coverage together?Yes, both mono-line and package options are available. You can combine property, general liability, crime, and abuse coverages to meet your client’s needs. Are higher limits available for abuse and molestation coverage?Yes, while the base limits are $100,000 per claim and $300,000 aggregate, higher limits may be available upon request and underwriting approval. Which states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY through licensed agents and brokers. Need help placing an account? Connect with a market specialist.