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Overview of the Program From Colonial General Insurance Agency, Inc. Colonial General’s Halfway House Insurance program is designed for agents placing property and liability coverage for health care and social service facilities that provide voluntary outpatient services and/or short-term or temporary stays. Available on a mono-line or packaged basis, the program combines commercial general liability, property, crime, and professional exposure options to address the mix of premises, operations and abuse/molestation risks typical of transitional care and community residential settings. Ideal Accounts and Appetite This program is a fit for facilities such as halfway houses, transitional living programs, sober living and outpatient treatment centers that offer voluntary, short-term stays and on-site services. Typical accounts include small to midsize facilities with limited medical procedures, structured supervision, and documented intake/monitoring processes. Generally acceptable: Voluntary outpatient treatment programs with temporary overnight stays Transitional residential programs and halfway houses Community support and social service facilities with on-site supervision Generally not a fit (examples): facilities providing long-term skilled nursing, inpatient acute psychiatric care, extensive surgical or inpatient medical procedures, or accounts with known regulatory or licensing issues. Underwriting will evaluate claims history, staffing, resident mix and supervision policies. Coverage Highlights and Advantages Colonial General offers broad limits and modular coverages that let you tailor policies to client exposure. Highlights include: Commercial General Liability — Primary limits up to $3,000,000 occurrence/aggregate Excess/Umbrella — Limits available up to $25,000,000 Additional interests coverage — $100 each Included coverages: Medical payments ($5,000), Errors & Omissions (professional liability) part, and Sexual & Physical Abuse coverage (up to $25,000 per claim/$50,000 aggregate; higher limits optional) Property coverage options — Accounts receivable, building, contents, business income, equipment breakdown, food spoilage, computer equipment, outside signs, valuable papers, replacement cost or ACV, and choice of basic, broad or special form Crime coverage — Inside the premises (theft of money and securities; robbery or safe burglary of other property) and Outside the premises These options help manage the common exposures for transitional care providers: third-party liability, abuse/molestation allegations, property loss and crime/theft risks tied to cash handling and communal settings. Underwriting Notes and Minimums Underwriting focuses on occupancy type, resident population, staffing levels, written policies (intake, supervision, medication control, background checks), and prior loss activity. A $500 minimum deductible is required. Appetite and terms vary by state and by market; Colonial General places accounts both admitted and non-admitted depending on available markets. Territories and Availability The program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted coverage is available in some markets; where admitted placements are not available, Excess & Surplus (non-admitted) options are offered. Carrier availability varies by submission and state. Why Work With Colonial General on Halfway House Accounts As a Managing General Agency and E&S broker, Colonial General combines targeted underwriting with access to multiple markets so you can place complex transitional care risks that standard markets may decline. The program’s modular structure lets you add property, crime, professional, and abuse/molestation limits to fit client exposures. Use this market when you need flexible limits, higher umbrella capacity, or specialty abuse coverage options for voluntary residential/social service facilities. Example scenarios You have a small transitional living home that needs primary liability, contents, and business income coverage after a prior property claim — the program can package property and liability with a $500 deductible. An outpatient treatment center that occasionally houses clients overnight needs sexual/physical abuse coverage and an excess umbrella — higher umbrella limits are available through Colonial General’s markets. Frequently Asked Questions What types of accounts are a good fit for the Halfway House Insurance program?Facilities providing voluntary outpatient services and short-term or temporary stays—such as halfway houses, transitional living, sober living, and similar social service programs—are the core appetite. Underwriting will confirm staffing, supervision and intake protocols. What liability and abuse coverage limits are available?Primary commercial general liability is available up to $3,000,000 occurrence/aggregate, with excess/umbrella capacity up to $25,000,000. Sexual and physical abuse coverage is included up to $25,000 per claim/$50,000 aggregate with higher optional limits available subject to underwriting. Is property and crime coverage available through this program?Yes. Property options include building, contents, business income, equipment breakdown, replacement cost or ACV, and more. Crime coverage for inside and outside the premises (theft, robbery, safe burglary, etc.) is also available. 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.