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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.

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.

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Policy Highlights for Long Term Care Facilities Insurance: Colonial General Insurance Agency, Inc. offers a competitive, flexible Long Term Care Facilities Insurance program tailored for independent living and assisted living facilities. With a widened underwriting appetite and reduced base rates, this program helps agents and brokers place more long-term care risks — including newer facilities and accounts with more complex exposures — using solutions designed for this niche. Ideal Accounts and Appetite This program is well-suited for: Assisted living facilities Independent living communities Small to medium-sized long-term care operations Preferred accounts are those that emphasize resident safety, maintain clean loss histories, and demonstrate strong management and risk-control practices. Facilities with documented risk management programs and locations in favorable legal venues may qualify for favorable credits and broader terms. Example: You might have a client operating a 40-unit assisted living facility in Utah with no major claims in the past five years — that profile typically fits well with this program given the updated coverages and lower base rates. Coverage Highlights and Advantages Colonial General’s Long Term Care Facilities Insurance program delivers broad liability solutions and expanded options for assisted and independent living operations. Key features include: For assisted and independent living: Lower base rates designed to increase placement opportunities Removal of the assault and battery exclusion where allowable Occurrence-form coverage available for independent living facilities Medical payments for non-residents with $2,500 and $10,000 limit options Broadened coverages and options: Higher limits for sexual abuse and molestation exposures Punitive damages coverage where legally permitted Split liability limits to better manage complex exposures Defense costs outside the limits of liability Communicable disease coverage Expanded territory options and credits for preferred venues Underwriting Notes and Minimum Premiums The program is accessible through both admitted and non-admitted markets depending on the state and account characteristics. Colonial General partners with multiple carriers to align the risk with the most appropriate market. Minimum premium thresholds vary by carrier and jurisdiction; the program’s reduced base rates make it practical for a wide range of account sizes. Territories and Availability Coverage is available for risks located in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines deep market access with focused underwriting expertise for the long-term care sector. They support independent agents and brokers by placing business other markets may decline and by offering responsive service, flexible terms, and an expanded appetite for assisted and independent living risks. To learn more about this program or explore additional markets, visit Colonial General Insurance Agency, Inc.. Frequently Asked Questions What types of accounts are a good fit for this program?Assisted living and independent living facilities with clean loss histories, documented risk controls, and strong management practices are the best fits for this program. Are both admitted and non-admitted options available?Yes. Colonial General places accounts in admitted and non-admitted markets depending on the state and the specific characteristics of the risk. Is occurrence form coverage available?Yes. Occurrence-form coverage is available for independent living facilities under this program, subject to underwriting. Does the policy include coverage for communicable diseases?Yes. Communicable disease coverage is part of the program to help facilities manage that exposure where offered by the underlying carrier. 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.

M.J Hall & Company now offers Residential Living Facilities Insurance! M. J. Hall and Company, Inc., a wholesale Excess & Surplus Lines broker, places tailored liability and professional liability coverage for residential living facilities across Alaska, Arizona, California, Hawaii and Nevada. We provide markets for Personal Care Homes, Independent Living facilities, Assisted Living (including memory care/Alzheimer’s), and select Skilled Nursing accounts. Program overview Our Residential Living Facilities Insurance program combines professional liability and general liability capacity from various A&S carriers. Coverage is designed to address the unique exposures of resident care, billing and privacy risks, staffing issues and allegations of abuse or neglect. We can place occurrence-form general liability and a range of optional enhancements to match facility operations and risk profiles. Ideal accounts and appetite Personal care homes, assisted living and independent living facilities of small to medium size. Memory care/Alzheimer’s units where the operator maintains documented policies and staff training. Selected skilled nursing facilities with straightforward medical services and manageable resident acuity. Accounts with robust staffing practices, formal policies for medication and resident care, background checks, and loss-control documentation fit best. Applicants that routinely provide high-acuity hospital-level care or complex tertiary medical services may be referred or declined. Coverage highlights and advantages Professional Liability and General Liability available. Optional coverages—and endorsements—include Claims Expenses (Defense Outside Limits), Hired & Non-Owned Auto Liability, Sexual Misconduct, Billing Errors, Disciplinary Proceedings, Employee Benefits Liability, Employee Theft, Evacuation Expense, First Dollar Defense, HIPAA, Legal or Media Expense, Privacy Reimbursement, Punitive Damages and TRIA. General Liability can be written on an occurrence form, which is attractive for long-term exposure management. Access to multiple E&S carriers through M.J. Hall’s wholesale relationships, which helps find capacity for harder-to-place risks. Underwriting notes Underwriters focus on resident acuity, staffing ratios and training, written policies (medication, restraint, infection control), background screening, and documented risk management. Loss history, alleged incidents, regulatory actions, and any licensing or disciplinary issues are key factors in pricing and term decisions. Copies of policies and procedures, claims run-lists, and current payroll/occupancy information speed review and improve placement options. Territories and placement This program is offered through Excess & Surplus Lines placements and is available in AK, AZ, CA, HI and NV. We work with a variety of carriers to provide flexible solutions where admitted markets may be limited. Why place this business with M.J. Hall & Company Wholesale E&S broker with focused access to carriers writing residential care risks. Ability to package professional and general liability coverages with optional endorsements tailored to facility exposures. Responsive underwriting intake and guidance on risk-improvement steps that improve acceptance and terms. Example scenarios You might have a 40-bed assisted living community with a dedicated memory care wing seeking combined professional/general liability and HIPAA/privacy protection—this program can be quoted with sexual misconduct and disciplinary proceeding coverage options. Or a family-owned independent living facility looking for occurrence-form GL and employee theft limits to protect resident funds could be a good fit for our markets. Our agents are ready to review submissions and discuss risk placement strategies for your residential living facility clients—contact M.J. Hall to start a submission. Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium-sized personal care homes, assisted living and independent living facilities, plus memory care units. Select skilled nursing facilities with limited high-acuity medical services may also qualify. Facilities should have documented policies, staff training and basic loss-control practices. Which coverages and optional endorsements are available?The program offers Professional Liability and General Liability (occurrence form available) with optional endorsements such as HIPAA/privacy reimbursement, sexual misconduct, disciplinary proceedings, billing errors, employee theft, hired/non-owned auto, first dollar defense and more. Availability varies by carrier and state. Is this placed on an admitted or non-admitted basis?Coverage is placed through Excess & Surplus Lines (non-admitted) markets. We write business in AK, AZ, CA, HI and NV using our carrier panel. What underwriting information should I include with a submission?Provide current applications, facility policies (medication, infection control, restraints), staff training and background check procedures, occupancy and payroll, and a 5-year loss run or claims summary. Complete information helps expedite quotes and uncovers opportunities for favorable terms. Need help placing an account? Connect with a market specialist.

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Insurance Programs of America offers a nationwide Senior Living Insurance Program built for facilities that serve residents aged 55 and older. Marketed as SeniorLivingPro, the program delivers tailored property, liability and income solutions for independent senior housing, subsidized senior housing and age-restricted communities. Coverage is available in most states, with some county-level restrictions in designated Tier 1 and Tier 2 areas. Ideal Accounts and Appetite Age-restricted communities for residents 55 and older Both for-profit and non-profit senior living facilities Properties with or without emergency call systems Facilities offering subsidized rents, including Section 8, 202, 236, and LIHTC housing Multi-story buildings, including those not fully sprinklered This program is best suited for independent senior living communities, affordable senior housing and similar properties where on-site medical care is not the primary service. Accounts with active property management, routine resident screening, and basic life-safety systems are preferred. Risks requiring on-site skilled nursing or assisted living services should be reviewed with underwriting prior to submission. Coverage Highlights and Advantages SeniorLivingPro is placed with top-rated markets, including Lloyd’s of London and other carriers rated "A+ VX" by A.M. Best. Coverage is written on ISO forms and enhanced with limits and options targeted to senior housing exposures: Broad property coverage extensions with available increased limits Boiler and machinery (equipment breakdown) options Limited flood and earthquake coverage available where applicable Business income coverage that can address loss of Low Income Housing Tax Credits (LIHTC) Underwriting Notes and Submission Requirements To accelerate underwriting and obtain competitive terms, provide complete submissions that include: Completed ACORD applications Three years of loss history / loss runs IPOA SeniorLivingPro supplemental application Minimum premium typically starts at $10,000. Submit packages to [email protected] for initial review; include building age, construction type, occupancy mix, protection/sprinkler details and management practices to improve turn times. Territories and Availability SeniorLivingPro is available in most U.S. states. Current territories include: 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, DC, WV, WI, WY. Some county- and tier-level restrictions apply in Tier 1 and Tier 2 areas; availability and admitted/non-admitted status vary by state. The program is written on both admitted and non-admitted paper depending on the jurisdiction. Why Work With Insurance Programs of America? As a Managing General Underwriter and Excess & Surplus Lines Broker, Insurance Programs of America (IPOA) specializes in niche real estate and community-based risks. IPOA provides agents with access to multiple high-quality markets, focused underwriting for senior housing exposures, and program wording tailored to the operational realities of age-restricted communities. IPOA’s underwriting approach balances risk characteristics—construction, fire protection, management controls and subsidy programs—so agents can place a broad range of senior living accounts that may not fit standard admitted market appetite. Example scenarios where SeniorLivingPro fits well: You represent a three-story LIHTC senior housing property that is partially sprinklered and has no on-site medical services — SeniorLivingPro can provide property and business income limits designed for that risk profile. An independent senior living complex with mixed for-profit and non-profit units, routine tenant screening and emergency response systems — the program can offer tailored liability and equipment breakdown options. Frequently Asked Questions What types of accounts are a good fit for this program?Facilities serving residents aged 55 and older, including independent senior living, subsidized senior housing and age-restricted communities without on-site healthcare services. Are non-sprinklered or partially sprinklered buildings eligible?Yes. Multi-story buildings that are not fully sprinklered can qualify; underwriting will evaluate construction, fire protection and loss history to determine terms. Is the program available in all states?The program is available in most states listed above, but certain Tier 1 and Tier 2 counties may be restricted. Availability and admitted status depend on the state and carrier. What is the minimum premium for this program?Minimum premium typically starts at $10,000, though final pricing depends on risk characteristics, limits and location. What information is required for a submission?Provide completed ACORD applications, three years of loss runs and the IPOA SeniorLivingPro supplemental application. Include property details, occupancy mix and any subsidy program documentation to speed underwriting. Need help placing an account? Connect with a market specialist.