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AFC Insurance Inc. offers a specialized Health & Human Services Program tailored to the unique exposures faced by organizations providing Drug Rehabilitation Insurance Services. This comprehensive program is designed for professional treatment centers and facilities that deliver medical and behavioral care, including nutritional counseling and outpatient services. With broad eligibility and flexible coverage options, AFC’s program supports agents and brokers in placing challenging rehab-related accounts with confidence. Ideal Accounts and Appetite AFC’s program is well-suited for a wide range of drug and alcohol treatment services, including: Drug and Alcohol Rehabilitation Centers Outpatient Alcohol & Drug Counseling Inpatient Halfway Houses Methadone Clinics (as part of broader services) Early Release Programs for Alcohol & Drug Offenders Outpatient Detox Facilities Clinics (when part of an overall treatment program) If you have clients offering integrated drug rehab services — for example, a facility that combines counseling, detox, and housing support — this program may be a great fit. Coverage Highlights and Advantages The Health & Human Services Program includes a robust package of coverages designed for the rehab sector: General and Professional Liability Package Policies Umbrella and Property Coverage Auto (restrictions may apply) Abuse & Molestation Coverage Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Extended Coverage Endorsement with Blanket Additional Insured These coverages help protect against the complex risks associated with providing healthcare, counseling, and rehabilitation services. Underwriting Notes and Minimum Premiums Risk eligibility is tailored, and premiums vary based on services offered and exposure levels. Note that certain operations are not eligible under this program, including: Adoption Agencies (if more than 25% of operations) Assisted Living for Seniors Birthing Centers Big Brothers/Big Sisters Programs with overnight activities Correctional Facilities Foster Care Agencies Psychiatric Hospitals Public Housing and Housing Authorities Sex Offender Programs Violent Youth Lockdowns Standalone Special Events/Fundraisers AFC works closely with agents to determine fit and structure coverage effectively for qualifying accounts. Territories and Availability This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. AFC can write business in all 50 states plus DC, depending on carrier availability and regulatory status. Most placements are available on an admitted basis. Why Work With AFC Insurance Inc. As a seasoned Program Administrator, AFC Insurance Inc. brings deep experience in the Health & Human Services sector. Their focused underwriting, flexible coverage structures, and access to multiple carriers make them a reliable partner for agents placing drug rehabilitation and behavioral health risks. If you're looking for a responsive team with the tools to handle complex rehab accounts, AFC is ready to assist. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include drug and alcohol rehab centers, outpatient detox clinics, halfway houses, and integrated treatment facilities offering counseling and support services. Are standalone clinics eligible for coverage?Clinics are eligible only when they are part of a broader rehab program. Standalone clinic operations are not eligible under this program. Is abuse and molestation coverage included?Yes, abuse and molestation coverage is available as part of the program, subject to underwriting guidelines. Can I place business in multiple states?Yes, AFC’s program is available in most states nationwide, allowing agents to write multi-state rehab operations where eligible. What is the minimum premium for this program?Minimum premiums vary depending on the type and size of the operation. Contact AFC for more details specific to your client’s needs. Need help placing an account? Connect with a market specialist.

NIF Group Inc. offers a focused insurance program for drug and alcohol rehabilitation facilities that combines deep underwriting expertise with carrier capacity from Liberty Mutual Insurance. Designed for agents and brokers, this program provides flexible package solutions for inpatient detox centers, outpatient treatment clinics, sober living homes, residential detox facilities, and nonprofit or faith-based recovery programs. Policies can be tailored to the client’s operations and to include medical staff, volunteers, and independent contractors. As a program administrator, NIF Group Inc. provides agents direct access to broad coverages and responsive underwriting. The platform supports simple single-site placements as well as multi-location outpatient networks, and it is built to address the mix of general liability, professional liability, property, and specialty exposures that are common in behavioral health and substance-use treatment settings. Ideal Accounts and Appetite This program is designed for a wide range of drug and alcohol rehabilitation operations, including: Inpatient and outpatient treatment centers Residential detox facilities Sober living homes Nonprofit and faith-based recovery programs Typical fits include single-site nonprofit detox programs, multi-location outpatient counseling networks, and licensed sober living operations. Accounts with licensed clinicians, documented policies and procedures, and basic risk management practices are preferred. High-severity claims histories, unmanaged medication programs, or facilities operating outside state licensing norms may require additional review. Coverage Highlights and Advantages Package policies are available to combine core and specialty coverages for a coordinated solution. Core options include: General Liability Insurance Professional Liability (including healthcare liability) Property Insurance Auto Insurance Boiler and Machinery Insurance Crime Insurance Umbrella Coverage Enhancements and optional modules can be added to reflect the account’s exposures, such as: Employee Benefits Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Directors & Officers Liability for nonprofits, including EPLI Policies can be structured to explicitly include volunteers, contractors, and licensed medical professionals so that individuals involved in patient care are covered under the program’s terms. Underwriting Notes and Minimum Premiums NIF Group’s underwriting team evaluates each submission to match coverages to the facility’s operations, staff mix, and risk controls. There is no minimum premium requirement, which allows placement of both small and larger accounts. Be prepared to provide client details such as licensing, staffing credentials, patient intake procedures, medication management protocols, and any prior claims history to accelerate review. Territories and Availability The program is available in most U.S. states (the company markets through admitted and non-admitted platforms depending on the state and risk characteristics). Coverage is not offered in Hawaii and Louisiana. NIF has placement experience in major markets including CA, TX, NY, and FL, and across many other states. Why Work With NIF Group Inc. NIF Group Inc. combines behavioral-health specialty underwriting with strong carrier relationships to simplify placement for agents and brokers. As a program administrator, NIF delivers focused intake, flexible policy design, and access to Liberty Mutual Insurance capacity—helping agents place complex rehab and recovery risks with clarity and speed. The underwriting team’s familiarity with nonprofit operations, volunteer programs, and licensed clinical services is a practical advantage when structuring coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited for inpatient and outpatient rehab centers, residential detox facilities, sober living homes, and nonprofit recovery organizations with documented policies and standard clinical controls. Can this program cover medical professionals and volunteers?Yes. Policies can be structured to include coverage for licensed medical staff, volunteers, and independent contractors who participate in the facility’s operations. Is there a minimum premium requirement?No. There is no minimum premium, making the program suitable for both small single-site operations and larger multi-location networks. What states is this program available in?The program is available in most U.S. states (admitted or non-admitted as appropriate) with the exception of Hawaii and Louisiana. What carrier backs this program?NIF Group places this program with Liberty Mutual Insurance, providing established carrier capacity and underwriting support. Need help placing an account? Connect with a market specialist.

Insurance for Addiction Treatment Centers is included in AFC Insurance Inc.’s Human & Social Services Insurance Program. This specialized offering is tailored to address the unique risks faced by facilities providing professional Alcohol and Drug Rehabilitation Services. Whether your client operates a residential treatment center, outpatient counseling clinic, or sober living facility, this program offers comprehensive protection for a wide range of services, including medical care, behavioral therapy, and nutritional counseling. Ideal Accounts and Eligible Classes This program is a strong fit for agents looking to place coverage for a variety of addiction treatment operations, including: Addiction Treatment Centers Drug Rehabilitation Facilities Alcohol Rehabilitation Centers Outpatient Alcohol & Drug Counseling Rehabilitation Centers Sober Living Homes Clinics (must be part of a broader treatment program) Outpatient Detox Programs Ineligible Classes Facilities offering Level 4 Plus Detox services Coverage Highlights and Advantages AFC Insurance Inc.'s program offers agents access to a wide range of coverages designed specifically for the operational and professional risks of treatment centers: Package Coverage General and Professional Liability Endorsements for Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Coverage Optional Blanket Additional Insureds via Extended Coverage Endorsement Umbrella Liability Property and Auto Coverage (some restrictions may apply) Abuse and Molestation Coverage Underwriting Notes and Minimum Premiums Minimum premiums vary depending on state, class of business, and scope of operations. Standalone clinics are not eligible unless part of a broader treatment offering. AFC Insurance Inc. works with multiple carriers to provide flexible underwriting solutions tailored to the unique exposures of each facility. Territories and Availability This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, OH, GA, and WA. AFC Insurance Inc. offers admitted coverage in many jurisdictions, with access to a broad network of carriers to meet both regulatory and operational needs. Why Work With AFC Insurance Inc.? As a trusted Program Administrator, AFC Insurance Inc. brings deep expertise in the human and social services sector. Their Addiction Treatment Center Insurance Program is built to help agents confidently place business for a wide range of rehabilitation and counseling facilities. With flexible coverage structures, robust liability protection, and competitive market access, AFC supports agents every step of the way—from submission through policy issuance. You might have a client who operates an outpatient drug counseling center with part-time staff and volunteer counselors. Or perhaps a residential alcohol rehabilitation facility that includes medical detox and nutritional therapy. AFC Insurance Inc. has the tools and underwriting support to help you place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and outpatient addiction treatment centers, including alcohol and drug rehab facilities, sober living homes, and counseling clinics that are part of a broader treatment offering. Are standalone clinics eligible for coverage?No, clinics must be part of an overall treatment plan or facility to be eligible for coverage under this program. Is Abuse and Molestation coverage included?Yes, Abuse and Molestation coverage is available as part of the broader package, helping protect facilities from sensitive liability exposures. What is the underwriting process like?AFC Insurance Inc. works with multiple carriers and offers flexible underwriting tailored to the specific operations, services, and staffing structure of each facility. Which states is this program available in?The program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Admitted coverage is available in many jurisdictions. Need help placing an account? Connect with a market specialist.

Working on trucks and cars takes both skills and talent! Auto service garages and repair shops include auto parts stores, general automobile repair workshops, specialty repair shops and online/mobile repair operations. While each shop specializes in different services, they all share a common need: reliable Auto Workers Compensation coverage. As a wholesale partner, Keating offers the Auto Workers Compensation program to help you place coverage for shops with staff who handle heavy parts, lifts, tools and vehicles. A strong policy should cover medical care, rehabilitation and wage replacement while an injured employee recovers — and our markets can provide those core protections. Your client will need to make sure that their policy will be able to cover medical care costs, rehabilitation and can replace the lost wages until their employee returns. Keating can write Auto Workers Compensation for service and repair shops through several admitted carriers and markets. We can place accounts with exposures related to private passenger and commercial vehicles. Typical services we handle include collision repair, heavy truck service, mechanical work, painting, tire sales and service, and parts sales. Towing that is incidental to the business (generally under 25% of operations) can usually be considered. Program Features: • Auto Repair Shops • Oil & Lube Shops • Muffler Shops • Tire Shops Keating’s underwriting focuses on practical, industry-aware evaluations. We work with carriers that understand the unique hazards in automotive shops — from slips and strains to more serious shop accidents — and structure Workers Compensation limits and benefits to address those exposures. Our team helps you assemble the submission so underwriters can evaluate the account quickly and accurately. Ideal Accounts and Appetite Independent auto repair and collision shops with staffed mechanics Oil & lube, muffler and tire shops with standard service operations Shops performing mechanical, painting, welding or heavy truck service Operations with incidental towing under 25% of total business Coverage Highlights and Advantages Access to multiple admitted carriers familiar with shop exposures Policies that cover medical, rehabilitation and wage replacement needs Underwriters experienced with auto-related classifications and payroll spreads Ability to place both small garage risks and larger shops with commercial vehicle exposure Underwriting Notes and Minimum Premiums Typical submission requirements include operations description, payroll by class code, loss runs, and details on any towing or mobile services. Minimum premium for placement is generally $2,000. Accounts with frequent large losses, significant non-automotive operations, or towing that exceeds incidental levels may be outside appetite. Territories and Availability Available in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Keating places this program through multiple admitted carriers across these states. Why Work With Keating on Auto Workers Compensation Keating combines industry-focused underwriting with market access to admitted carriers that understand auto repair exposures. We move quickly on clear submissions, and our team can advise on classification splits, payroll reporting and common loss control recommendations that improve placement outcomes. Example scenarios You have a four-bay independent collision shop with six employees doing mechanical work, painting and limited towing under 20% — this is typically a strong fit for the program. You represent a multi-location tire and oil change operator with standardized procedures and modest payroll — Keating can help package the accounts for admitted carriers. Contact Keating for details on submission requirements, appetite nuances, and carrier options so you can place the right Auto Workers Compensation coverage for your clients. Frequently Asked Questions What types of auto shop accounts are a good fit for Keating’s Auto Workers Compensation program?Independent auto repair shops, collision centers, oil & lube shops, muffler and tire shops — especially those performing mechanical work, painting or heavy truck service with standard shop operations and payroll documentation. Is incidental towing acceptable?Yes. Towing that is incidental to the overall operation (generally under 25% of business activity) is typically considered. Higher towing exposure may require a different placement approach. What are the basic submission items underwriters will want?Underwriters generally ask for a detailed operations description, payroll by class code, current loss runs, and any safety or loss-control information about shop practices and equipment. What is the minimum premium and how are territories handled?Minimum premium is typically $2,000. The program is available through admitted carriers in the states listed above; availability can vary by carrier and state, so check with Keating on specific placements. Need help placing an account? Connect with a market specialist.

Policy Highlights for Detox Facility Insurance: Colonial General Insurance Agency, Inc. offers a specialized Detox Facility Insurance program designed to meet the unique risks and regulatory challenges faced by substance abuse treatment providers. Whether your client operates a freestanding detox center, a hospital-affiliated unit, or a specialized addiction treatment facility, Colonial General can help you secure the right coverage tailored to their operations. Ideal Accounts and Appetite This program is built for facilities that provide detoxification and rehabilitation services for individuals struggling with substance abuse. Target accounts may include: Freestanding detox centers Hospital-based or affiliated detox units Specialty hospitals focused solely on substance abuse treatment Rehabilitation facilities offering inpatient or outpatient services Clinics affiliated with mental health centers or HMOs Accounts that demonstrate a commitment to licensed care, proper staffing ratios, and compliant operational standards are typically preferred. Coverage Highlights and Advantages Colonial General’s Detox Facility Insurance offers flexible coverage options to help protect your clients from a range of exposures, including: General Liability and Professional Liability Property and Equipment Coverage Sexual Abuse and Molestation Liability Employee Practices Liability (EPLI) Medical Malpractice (where applicable) Coverage solutions are designed to address the complex needs of detox and rehab service providers, including the risks associated with medical treatment, counseling, and patient management. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer competitive pricing and underwriting flexibility. While minimum premium requirements may vary by market and account size, this program is structured to accommodate both small and mid-sized facilities. Underwriting will consider factors such as services offered, facility type, licensing, claims history, staff qualifications, and more. Territories and Availability This program is currently available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Both admitted and non-admitted markets are available in select territories, depending on the account and risk profile. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing hard-to-insure risks. Their focus on niche healthcare and social services programs means you get access to knowledgeable underwriters and a broad range of market options. Whether your client is opening a new detox facility or expanding an existing one, Colonial General can help you find the right coverage solution quickly and efficiently. Visit the Colonial General Insurance Agency, Inc. profile to learn more about their full range of programs and capabilities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freestanding detox centers, hospital-affiliated units, and specialty facilities focused on substance abuse treatment. Which states is this program available in?The Detox Facility Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted carriers used?Yes, Colonial General has access to both admitted and non-admitted markets, depending on the state and risk profile. What coverages are typically included?Common coverages include General Liability, Professional Liability, Property, Sexual Abuse Liability, and EPLI, among others. Does the program accommodate new ventures?Yes, new ventures may be considered depending on the business plan, licensing, and staff background. Need help placing an account? Connect with a market specialist.

Group Homes Insurance — AFC Insurance Inc. Group Homes Insurance is part of AFC Insurance Inc.'s Human & Social Services Insurance Program. This specialized program is designed for small residential facilities that provide supervised living environments for individuals who require mental, emotional, behavioral, or physical support. Whether you represent a home for at-risk youth or a residence supporting adults recovering from traumatic brain injuries, AFC offers tailored insurance solutions to protect operations, staff, and residents. Ideal Accounts and Eligible Classes This program targets group homes and small residential care facilities that need specialized coverage to address caregiving, medical oversight, and community integration risks. Target classes include: Developmentally disabled residents Youth at risk Mental health facilities Alcohol & drug rehabilitation centers Homes for boys and girls Traumatic brain injury (TBI) support homes All age groups Typical fits are licensed residential homes, nonprofit group homes, and small for-profit facilities with documented staffing, training, and risk management procedures. Accounts that lack licensing, proper staff qualifications, or sound risk controls are less likely to qualify. Coverage Highlights and Advantages AFC’s package is built to cover both everyday exposures and higher-severity risks common to group homes. Available coverages include: Package policies combining multiple lines General liability and professional liability Endorsements that name volunteers and independent contractors as insureds Optional key employee replacement endorsement Optional extended coverage endorsements with blanket additional insured Umbrella liability to increase limits Property coverage for buildings and contents Commercial auto (subject to restrictions) Abuse & molestation coverage These coverages help agents place accounts where exposures range from slips and falls to allegations of malpractice or misconduct. The program’s endorsement options provide flexibility for nonprofit volunteers, transient staff, and third-party contractors. Underwriting Notes and Minimum Premiums Underwriting focuses on the facility’s licensing, staff training, supervision levels, medication handling, incident reporting, and overall risk management. AFC evaluates each submission on its merits and may request documentation such as licenses, staff rosters, training records, policies and procedures, and incident logs. Minimum premiums vary by state, size of operation, services provided, and risk characteristics. Work with AFC’s appointed agents to confirm minimums and available options for a given account. 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. AFC offers admitted solutions in many states—contact AFC for state-specific availability and any restrictions. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a program administrator with deep experience in human and social services lines. Agents benefit from a responsive underwriting team, flexible program design, and access to multiple carriers tailored to niche social service risks. AFC has a strong appetite for group homes and related organizations and works with brokers to place challenging or specialized risks. Example Account Scenarios You have a licensed nonprofit group home serving adults with developmental disabilities that needs combined general and professional liability with abuse & molestation limits — AFC’s package options can be structured to include those exposures. You represent a small residential program for at-risk youth with volunteers and contracted therapists — AFC’s endorsements for volunteers and independent contractors help extend coverage where needed. Frequently Asked Questions What types of accounts are a good fit for this program? This program is ideal for residential group homes serving developmentally disabled individuals, at-risk youth, those in drug or alcohol rehabilitation, and clients with traumatic brain injuries. Is this program available in all states? The program is available in most states, including CA, TX, FL, NY, and many others. Check with AFC Insurance Inc. for specific state eligibility and any restrictions. What coverages are included in the program? Coverage options include General & Professional Liability, Property, Umbrella, Auto (with some restrictions), Abuse & Molestation, and endorsements for key employee replacement and volunteers. Do group homes need to be licensed to qualify? Yes. Facilities should be properly licensed and demonstrate risk management practices to be eligible for coverage through this program. Who underwrites the policies offered in this program? AFC Insurance Inc. works with a variety of carriers to underwrite this program. Carrier selection may vary by risk profile and location. Need help placing an account? Connect with a market specialist.

Smith Bell & Thompson, Inc. offers a focused Medical Facilities insurance program tailored to the liability needs of non-hospital healthcare operations. This program gives agents and brokers access to integrated professional and general liability solutions—designed for outpatient, diagnostic, rehabilitative, and other specialty medical facilities that fall outside the traditional hospital model. Ideal Accounts and Appetite Cardiac rehabilitation centers College and university health centers Community health clinics and local health departments Hospices (more than 9 beds) Medical laboratories and diagnostic imaging centers (X-ray, MRI, CT, etc.) Physical and trauma rehabilitation facilities Sleep study clinics and outpatient surgical centers If your client operates a specialty healthcare facility where primary exposure is clinical care rather than inpatient hospital services, this program is a strong option. Examples of good fits include a sleep study center expanding into multiple states or a multi-location physical rehabilitation network seeking consolidated professional liability protection. Coverage Highlights and Advantages Professional liability and general liability combined on a claims-made form for streamlined defense and indemnity handling Written on a non-admitted (surplus lines) basis to allow flexible wording and broader underwriting authority Workers’ compensation available on an admitted basis for qualifying accounts Underwritten capacity supported by AIG, bringing extensive experience in healthcare risks The program is structured to address common exposures for specialty providers—medical malpractice allegations, premises and operations liability, and employment-related injury exposures—while providing surplus lines flexibility to tailor limits and endorsements to unusual operational models. Underwriting Notes and Minimum Premiums Underwriters look for licensed facilities with documented risk management programs, established clinical policies, and experienced clinical staff. While minimum premium requirements vary by state and exposure, the program is intended for accounts substantial enough to justify surplus lines placement. Applicants with frequent or severe prior claims, inadequate documentation, or operations outside accepted clinical guidelines may not meet eligibility standards. Appropriate credentialing, policy documentation, and incident reporting programs materially improve placement prospects. Territories and Availability This Medical Facilities program is available in most states, including but not limited to CA, NY, TX, FL, IL, and PA. Smith Bell & Thompson places business across all 48 contiguous states as well as Alaska, Hawaii, and the District of Columbia. Contact underwriting for any state-specific filing considerations or limitations. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson combines niche healthcare underwriting expertise with strong carrier relationships to place complex liability risks for specialty medical facilities. As a wholesale partner, they provide responsive underwriting, pragmatic risk evaluation, and access to AIG’s capacity—helping you secure tailored coverage for accounts that don’t fit standard hospital products. Whether you’re placing a single-site imaging lab or a regional rehab chain, Smith Bell & Thompson can help navigate terms, endorsements, and multi-state issues to achieve a clean placement. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for outpatient and specialty healthcare facilities such as rehab centers, imaging labs, sleep clinics, hospices (with more than 9 beds), and university health centers. Is the coverage admitted or non-admitted?Professional and general liability are written on a non-admitted (surplus lines) basis. Workers’ compensation is available on an admitted basis where applicable. What carriers support this program?The program is backed by AIG, a financially strong insurer with deep experience in healthcare liability underwriting. Are there any states where this program is not available?The program is available in most states, including all 48 contiguous states, Alaska, Hawaii, and the District of Columbia. Contact underwriting for specifics on state eligibility and filing requirements. Can I submit an account with prior claims?Prior claims are considered on a case-by-case basis. Accounts with strong risk management, good documentation, and credible corrective actions are more likely to receive favorable consideration. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Halfway House Errors and Omissions Insurance program designed for health care and social service facilities. This program is ideal for agents and brokers seeking coverage solutions for halfway houses that provide voluntary outpatient services or temporary stays. With access to both admitted and non-admitted markets, Colonial General can tailor coverage to meet the unique exposures faced by these facilities. Ideal Accounts and Appetite This program targets halfway houses and transitional living facilities that operate within a structured framework and provide services such as rehabilitation, counseling, or community reentry support. Eligible operations typically offer outpatient treatment, temporary residential stays, or social services in a regulated environment. Examples of good-fit accounts include: A nonprofit halfway house providing addiction recovery and counseling services for adult men. A transitional facility assisting recently released inmates with job placement and reintegration programs. Coverage Highlights and Advantages Agents can access comprehensive coverage on a mono-line or package basis, with flexible limits and optional endorsements tailored to the needs of halfway houses. Key coverages include: Primary Limits up to $3,000,000 Occurrence/Aggregate Errors and Omissions Coverage Medical Payments Coverage – $5,000 Limit Hired and Non-Owned Auto Liability Sexual and Physical Abuse Coverage – Limits up to $25,000 per claim / $50,000 aggregate (higher limits available) Crime Coverage (optional) Property Coverage (optional) Additional Interests – $100 Each Packages can include: Professional Liability General Liability Abuse and Molestation Coverage Property Insurance Hired and Non-Owned Auto Underwriting Notes and Deductibles Minimum deductible starts at $500, with additional deductible options of $2,500 and $5,000 available based on underwriting. Premiums vary depending on facility size, class, and services offered. Both lower and higher limits may be available with carrier approval. Territories and Availability This program is available through Colonial General in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Access to some admitted markets is available depending on the risk and location. Why Work With Colonial General As a trusted Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing specialty risks. Their strong relationships with various carriers, combined with a deep understanding of healthcare and social service risks, make them a valuable partner for agents placing halfway house accounts. You’ll benefit from responsive service, underwriting expertise, and tailored coverage solutions that protect your clients and strengthen your portfolio. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for halfway houses and transitional living facilities offering outpatient services, temporary housing, or social rehabilitation programs. Are both property and liability coverages available?Yes, coverage can be written on a mono-line or package basis, with options for property, general liability, professional liability, and more. What is the minimum deductible for Errors and Omissions coverage?The minimum deductible is $500, with higher deductible options of $2,500 and $5,000 available based on underwriting. Is coverage available in admitted markets?Some admitted markets are available depending on the risk profile and location of the insured operation. In which states is this program available?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Atlantic Risk Specialists, Inc./ARS-Latiff, LLC offers the Owner's Interest Insurance Package — a targeted program for owners of buildings that are vacant, under renovation or rehabilitation, or newly constructed. Tenants completing a tenant build-out in premises they do not own are also eligible. The program combines property and liability coverage tailored to construction, renovation and vacancy exposures faced by owners and developers. Overview of the Program From Atlantic Risk Specialists This package is designed for property owners who need short- to mid-term protection while buildings are vacant, being renovated, rehabilitated, or newly built. Coverage can include both property and commercial general liability (CGL) components with flexible policy terms. Atlantic Risk Specialists places this program through multiple markets and provides admitted placement where available plus excess & surplus lines access through ARS-Latiff when needed. Ideal Accounts and Appetite This program generally fits: - Owners of vacant commercial or mixed-use buildings - Owners managing renovation or rehabilitation projects - Developers and owners of new construction during the build phase - Tenants performing build-outs in non-owned premises who need project-specific protection Coverage Highlights and Advantages - Property and liability coverage available in a single package - Property limits up to $8,000,000 - General liability limits up to $1,000,000/$2,000,000 with excess limits available - First-dollar CGL available for qualifying accounts - Policy terms flexible from 3 months up to 18 months to match construction or renovation schedules - Tenant build-outs can be written to include the owner of the premises as an additional insured Underwriting Notes and Minimum Premiums Underwriting requires that the owner engage a professional general contractor who carries commercial general liability through an acceptable carrier, with limits at least equal to those provided by this package. The general contractor must name the owner as an additional insured and agree to hold the owner harmless. Minimum premium and final terms vary by state, project scope, and carrier appetite. Territories and Availability Available in CT, NJ, NY and PA. Atlantic Risk Specialists places admitted coverage where admitted markets are available; ARS-Latiff provides excess & surplus placement when required. Carriers vary by submission and state. Why Work With Atlantic Risk Specialists on Owner's Interest Business As a general agency and E&S broker, Atlantic Risk Specialists/ARS-Latiff blends admitted market access with surplus lines flexibility. Their Owner's Interest package is underwritten for construction and renovation exposures and supports short-term policy periods common to project schedules. You’ll get streamlined placement options for mixed property/liability needs and the ability to pursue higher property limits and excess liability when required. Example Accounts - A landlord renovating a two-story mixed-use building who needs property and CGL coverage for a 12-month rehab project and wants the contractor named as required by lease agreements. - A tenant completing a tenant build-out in a downtown storefront who requires project-specific liability and needs the building owner added as an additional insured. Frequently Asked Questions What types of accounts are a good fit for the Owner's Interest Insurance Package?Owners of vacant properties, buildings under renovation or rehabilitation, new construction projects, and tenants performing build-outs are primary fits. The program is intended for short- to mid-term project exposures where combined property and liability protection is needed. Is a general contractor required?Yes. The owner must engage a professional general contractor who carries acceptable commercial general liability insurance. The contractor must name the owner as an additional insured and agree to hold the owner harmless. What limits and policy terms are available?Property limits are available up to $8,000,000. CGL limits are available up to $1,000,000/$2,000,000 with excess capacity available. Policy terms range from 3 to 18 months to match project timelines. Which states are eligible and how is coverage placed?The program is available in CT, NJ, NY and PA. Atlantic Risk Specialists places admitted coverage where markets allow and uses ARS-Latiff's excess & surplus capabilities when needed. Final placement depends on state rules and carrier appetite. Need help placing an account? Connect with a market specialist.