Search CompleteMarkets

Colonial General Insurance Agency, Inc. offers a comprehensive Assisted Living Insurance program built for independent agents and brokers placing senior living facilities. Our recently expanded program delivers broader coverage options and lower base rates, making it easier to place assisted and independent living operations throughout the Western United States. Overview of the Program From Colonial General This program addresses the liability and operational exposures unique to senior living communities. As a managing general agency and excess & surplus lines broker, Colonial General provides access to specialized markets and flexible underwriting to match the needs of both independent living and assisted living operators. Whether the facility is a standalone independent living community or a full-service assisted living facility, you can find tailored solutions under this program. Ideal Accounts and Appetite We are focused on placing accounts that demonstrate good management, safety practices, and favorable loss histories. Typical targets include: Assisted living facilities providing non-medical support and custodial care Independent living communities Facilities with documented safety protocols, staff training, and regulatory compliance New ventures operated by experienced management teams (considered on a case-by-case basis) Example fits: you might have a 40-bed independent living community in Utah with strong resident-safety programs, or a multi-location assisted living group in Arizona with centralized risk management—both could be competitive submissions. Coverage Highlights and Advantages Key features and recent enhancements to the Assisted Living Insurance program include: Standard coverage features: Lower base rates for assisted and independent living accounts Occurrence-based coverage available for independent living operations Assault and battery exclusion removed Medical payments for non-residents available with $2,500 and $10,000 limits Broader coverage options: Higher sexual abuse and molestation limits Defense costs outside the policy limits Punitive damages coverage (where allowed) Split limits and communicable disease coverage Expanded territorial coverage and credits for favorable venue locations Underwriting Notes and Minimum Premiums Underwriting is case-specific. The team reviews facility size, services, staffing levels, management experience, licensure, and claims history. Minimum premiums and program placement options vary by carrier and risk profile; we work to offer competitive pricing and solutions that allow you to retain business. For best results, include loss runs, staffing and training descriptions, and any written safety or infection-control programs with your submission. Territories and Availability The program is available in: AZ, CA, CO, ID, NV, NM, UT, and WY. Both admitted and non-admitted options may be available depending on the location and risk characteristics. Why Work With Colonial General Colonial General combines niche senior-living expertise with multicarrier access as an MGA and E&S broker. We offer responsive quoting, flexible underwriting, and placement capability across specialty markets. Our team collaborates with agents to structure coverages that address resident exposures, abuse/molestation concerns, regulatory issues, and catastrophic loss scenarios—helping you grow and retain your book of business. Frequently Asked Questions What types of accounts are a good fit for this program?This program best serves assisted and independent living facilities that emphasize resident safety, have documented management and safety practices, and maintain favorable loss histories. New ventures with experienced operators will be considered. Are both admitted and non-admitted markets available?Yes. Depending on the state and the risk profile, we can access both admitted and non-admitted markets to secure the appropriate coverage and pricing. Is occurrence-based coverage available?Occurrence-based coverage is available for independent living operations under this program; other coverages may be offered on a claims-made or occurrence basis depending on carrier guidelines. What states is this program available in?The Assisted Living Insurance program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Can I submit new ventures?Yes. New ventures are considered, particularly when supported by experienced management, clear operational plans, and strong safety protocols. Need help placing an account? Connect with a market specialist.

...ypical fits include: Primary residences valued at $500,000 or more Luxur..., valuable collections, or multiple residences. Can I write just the homeowner...

...ypical fits include: Primary residences valued at $500,000 or more Luxur..., valuable collections, or multiple residences. Can I write just the homeowner...

High School Athletic Associations Insurance Program High school athletic associations set standards for safety, competition and fairness across scholastic sports. American Specialty Insurance & Risk Services offers a tailored insurance program for these organizations — combining admitted capacity, program-specific forms, and underwriting expertise to help agents place complex scholastic-athletics risks. Ideal Accounts and Eligible Operations This program is written for organizations and events governed by high school athletic associations. Typical, eligible operations include: State and regional athletic associations Seasonal and statewide tournaments Fundraisers, banquets and all-star games Scholastic competitions and intramural programs School clubs and coach/official activities Owned or managed stadiums, arenas, and event venues If you represent a state association, an event organizer, or a school district that runs multi-day tournaments, this program is designed to match those exposures. Coverage Highlights and Advantages American Specialty provides access to admitted coverage in all available states through carriers rated “Excellent” or higher by A.M. Best. Core program advantages for agents include: Admitted coverage in all 50 states + DC — simplifies placement and compliance Program-specific forms and rating built for scholastic athletics Non-auditable policy options for easier administration 24-hour claims service and dedicated, in-house claims team Underwriting and risk management support targeted to sports exposures Optional coverages to match common exposures (see list below) These features help reduce friction at bind and renewal, and provide consistent handling for seasonally heavy exposures. Program Coverages Available coverages and extensions include: General Liability Participant Legal Liability Volunteers named as Additional Insureds Sexual Abuse and Molestation Excess / Umbrella Liability Liquor Liability for events and fundraisers Automobile Liability Property and Inland Marine for owned/leased venues Crime Coverage Employee Benefits Liability Participant Accident Medical and Catastrophic Medical Workers’ Compensation (where available) Deductible / SIR options to suit different risk tolerances Underwriting Notes and Minimum Premiums Programs are underwritten in-house by American Specialty’s sports and recreation team, enabling fast turnarounds and case-specific terms. Minimum premiums vary by account size, operations, and limits; discuss specifics with underwriting for accurate indications. Common underwriting considerations include: Scope and frequency of events (single event vs. ongoing season) Venue ownership and maintenance practices Use of volunteers and officials, background screening procedures Medical and emergency response plans History of sexual abuse/molestation or participant claims Territories and Availability This program is available on an admitted basis in all 50 states and the District of Columbia, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WV, WI, and WY. Why Work With American Specialty Insurance & Risk Services As a Managing General Underwriter focused on sports and recreation, American Specialty combines deep underwriting expertise with in-house claims, risk management, and policy administration. That centralized service model helps agents place accounts faster and manage renewals more predictably. You might use this program when: You have a state association that needs admitted GL and participant liability limits for a full season of events. One of your school district clients runs a regional tournament at an owned stadium and needs property, auto and liquor liability packaged together. For complex schedules, multi-state tournaments, or associations that host high-exposure events, American Specialty offers tailored terms and collaborative underwriting to help close the business. Frequently Asked Questions What types of accounts are a good fit for this program?State high school athletic associations, event organizers, facilities that host scholastic sports, and school districts running tournaments are ideal candidates. Is this program available in all states?Yes — American Specialty offers this program on an admitted basis in all 50 states and the District of Columbia. What coverages can I package for an association?Common packages include general liability, participant accident medical, sexual abuse/molestation, property, crime, auto, excess/umbrella, and liquor liability for events. Does American Specialty handle claims and endorsements in-house?Yes — underwriting, claims, and policy administration are managed in-house to provide faster, consistent service throughout the policy term. Need help placing an account? Connect with a market specialist.

...ntial properties—whether primary residences or investment homes—where agents o...

...rivate vacation homes and second residences Single-family houses, condos, ...g villas, condos, and single-family residences. Is the MexiHome PLUS Program a...

American Specialty offers a focused Motorsports Race Teams Insurance program built for the unique exposures of teams, schools, tracks and event organizers. Whether your client runs a professional race team, operates a driving school, stores vehicles off-track, or produces motorsports events, American Specialty can tailor admitted solutions and program-specific forms to match their operations. Eligible Operations for Motorsports Race Teams Insurance Professional Race Teams Off-Track Storage Driving Schools Owners & Sponsors Events & Promoters Facilities & Track Operators Racing Associations Sanctioning Bodies Independent Car Clubs Program Highlights for Motorsports Race Teams Insurance Admitted coverage backed by carriers rated “Excellent” or higher by A.M. Best Program-specific forms and rates tailored to motorsports risks Non-auditable policy options for simpler premium handling 24-hour claims service with in-house claims management In-house underwriting, risk management and policy administration Online resources and tools to support placement and servicing Program Coverages for Motorsports Race Teams Insurance General Liability (including Participant Legal Liability) Excess / Umbrella Liquor Liability for events and venues Automobile (scheduled and non-owned exposures) Property (buildings, contents, and equipment) Crime and employee dishonesty Employee Benefits Liability Participant Accident Medical and Catastrophic Medical Workers’ Compensation (where required) Deductible / SIR options to fit account needs Why Work With American Specialty As a Managing General Underwriter with deep motorsports expertise, American Specialty combines program-focused underwriting with full in-house service. Underwriting, claims handling, policy administration and risk management are managed internally to give you faster responses, consistent decisioning and clear placement guidance. You can place accounts ranging from regional race teams with multiple vehicles and part-time drivers to driving schools that operate at several tracks during a season. Event organizers and sanctioning bodies also fit well when exposures are clearly defined and operations are managed with formal procedures. Territories and Availability This program offers admitted coverage and is available in all 50 states and Washington, DC. Available markets vary by state and account characteristics; minimum premiums are determined per submission. Frequently Asked Questions What types of accounts are a good fit for this program?Good fits include professional race teams, driving schools, event organizers, sanctioning bodies, track operators and independent car clubs that have documented safety controls and experienced management of motorsports activities. Is coverage available nationwide?Yes. The program is available in all 50 states and Washington, DC, with admitted coverage offered in eligible jurisdictions. Can you cover participant liability and accident medical?Yes. The program includes Participant Legal Liability, Participant Accident Medical, and Catastrophic Medical options designed for on-track exposures. What carrier strength supports this program?Coverage is placed with carriers rated “Excellent” or higher by A.M. Best. Specific carrier availability varies by state and account. Who handles underwriting and claims?American Specialty handles core functions in-house — underwriting, claims, policy administration and risk management — for a streamlined placement and servicing experience. Need help placing an account? Connect with a market specialist.