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...un structured support programs, vocational training, or residential care for p...idents or clients, staffing ratios, training programs, licensing, and any prio...

Social Service and Human Service organizations are established businesses that are dedicated to serving others. Whether they are serving and helping children, women, men, senior citizens; they strive to meet individual’s needs. These organizations are designed with knowledge, skills and focus on enhancing the well beings of individuals. They promote remedies for problem solving, prevention and learning to maintain commitments and they address the core issues people deal with. Servicing families, individuals and communities is challenging but also very rewarding in how people’s lives change for the better! Target Classes:• Addiction Services • Mental Health Services • Developmental Disabilities • Youth Services • Community Services • Adult Daycare • Foster Care • Domestic Adoption Available Products:• Abuse and Molestation • HNOA • Crime • Cyber Liability • Directors and Officers • Employment Practices Liability • General Liability • Professional Liability This industry has one of the highest employment rates and is one of the largest employers. With so many employees providing service to others, risks are highly increased for claims, negligence, privacy breaches etc. Your clients’ are interacting directly with the public so it’s imperative to carry a good Social/Human Service Insurance policy! Our Social/Human Service Insurance carrier products are specifically designed to protect those in business of serving others. We have partnered with multiple admitted and non-admitted insurance carriers to provide your clients with competitive and comprehensive quotes. Specialized coverages, enhancements and endorsements in addition to risk management tools and services are included or available, depending on the market. We also have package products available from some markets. Here at AP Advantage we acknowledge submissions via email within 24 hours. If you do not receive a response from us within 24 hours then please call us at 855-298-6007. We are happy to discuss how our Social/Human Service Insurance is the solution for you and your clients.

... agency that matches clients to vocational or day-program resources without pr...

... provided (medical, behavioral, vocational, etc.) Staffing levels, screening, and training practices Licensing, accreditation...

Group homes serve as vital residential facilities for individuals with chronic disabilities, developmental delays, or behavioral challenges. These homes typically house six or fewer individuals and provide 24/7 care through trained staff. As an agent or broker, you understand the unique risks these operations face—including professional liability, general liability, and property exposures. Colonial General Insurance Agency, Inc. offers a specialized Group Home Insurance program tailored to meet these specific needs. Overview of the Program from Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a range of markets, including some admitted options. Our Group Home Insurance program is designed for small, community-based residential settings that care for children or adults with chronic disabilities. Our goal is to help agents like you place these sensitive and specialized risks with confidence. Ideal Accounts and Appetite This program targets group homes that operate in a professional, structured environment with trained staff. Ideal accounts include: Privately owned group homes for adults with developmental or physical disabilities Children’s group homes with state or private licensing Homes that do not transport clients (non-owned auto can still be included) We are best suited for standard, single-family homes that are licensed or certified and follow established care protocols. Homes involved in high-risk behaviors, unlicensed operations, or facilities with histories of abuse or neglect may not qualify. Coverage Highlights and Advantages Our program provides flexible and comprehensive coverage options, including: Separate or combined Commercial General Liability (CGL) and Professional Liability (PL) limits Occurrence form General Liability coverage Defense costs either inside or in addition to policy limits Punitive damages coverage where permissible Minimum premium range from $2,000 to $4,000, depending on policy limits Incident-sensitive coverage with a discovery clause Primary coverage available for employed MDs and psychologists Non-owned auto coverage available Underwriting Notes and Minimum Premiums Underwriting is focused on the safety and management practices of the facility, staff qualifications, and claims history. Minimum premiums typically start between $2,000 and $4,000, depending on coverage limits and the specifics of the risk. Providing complete and accurate applications with supporting documentation will help speed the underwriting process. Territories and Availability This Group Home Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We have access to admitted and non-admitted markets depending on the location and risk profile. Why Work With Colonial General? With Colonial General, you gain a partner who understands the complexities of group home risks. Our internal underwriting expertise, broad market access, and flexible coverage structures make us a strong choice for agents seeking reliable solutions for these sensitive accounts. Whether your client is opening a new facility or looking to improve coverage terms on an existing one, our team is ready to assist. Frequently Asked Questions What types of group homes are eligible for this program?Eligible homes typically include licensed residential facilities for adults or children with developmental, physical, or behavioral challenges, operating in a single-family home setting. Is professional liability included in the policy?Yes, professional liability can be written separately or combined with general liability, depending on the risk and the insured’s needs. Do you offer coverage for staff who are licensed medical professionals?Yes, primary coverage is available for on-staff MDs and psychologists as part of the program. What is the minimum premium for this program?Minimum premiums typically range from $2,000 to $4,000, depending on policy limits and underwriting factors. In which states is this program available?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.