Colonial General Insurance Agency, Inc. offers a specialized Adoption and Foster Placement Insurance program designed to help independent agents and brokers secure tailored coverage for clients in the foster care and adoption space. With access to A.M. Best A+ rated carriers, Colonial General provides comprehensive solutions through a streamlined underwriting process and deep industry experience.
Overview of the Program From Colonial General
This program is designed to serve the unique insurance needs of foster care agencies, adoption agencies, and individual foster homes. Whether your client operates a small placement organization or manages multiple foster homes, Colonial General can help you place coverage that addresses their specific exposures with flexibility and reliability. As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General leverages its carrier relationships to find appropriate coverage, even for hard-to-place risks.
Ideal Accounts and Appetite
Colonial General is actively looking to write the following types of accounts:
- Private and nonprofit adoption agencies
- Foster care placement organizations
- Individual licensed foster homes
- Group homes and youth residential facilities (subject to underwriting)
Programs that involve high-risk youth, 24/7 care, or other complex exposures may be considered with additional underwriting review.
Coverage Highlights and Advantages
Agents can access a broad range of coverages designed specifically for adoption and foster care risks, including:
- General Liability
- Professional Liability
- Directors & Officers (D&O)
- Employment Practices Liability
- Sexual Misconduct Liability
- Property and Auto
- Workers’ Compensation
- Umbrella Liability
Coverage is available for both individual homes and agency operations. This comprehensive structure allows you to tailor protection based on the size and scope of your client’s services.
Underwriting Notes and Minimum Premiums
Each submission is individually underwritten, and pricing varies based on risk characteristics such as size of operation, services provided, and loss history. While no minimum premium is disclosed, Colonial General works closely with agents to deliver competitive solutions for both standard and more complex accounts.
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)
Some coverages may be written on an admitted or non-admitted basis, depending on state and risk class.
Why Work With Colonial General on This Business
Colonial General brings deep experience in the human services sector and offers responsive support to help agents place challenging risks. Their access to A+ rated carriers, flexible underwriting, and strong regional presence in the Western U.S. make them a trusted partner for agents working with foster care and adoption-related accounts.
Example: If you have a nonprofit client operating a foster placement agency across multiple counties, Colonial General can help secure the full package of liability and property coverage they need to meet licensing and operational requirements.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for foster care agencies, adoption placement organizations, and individual licensed foster homes operating in the Western U.S.
Which states is this program available in?
Coverage is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming.
Are both admitted and non-admitted markets used?
Yes, Colonial General works with both admitted and non-admitted carriers depending on the specific risk and state regulations.
Can small individual foster homes get coverage through this program?
Yes, the program includes coverage options tailored for individual foster homes as well as larger agency operations.
What types of liability are available?
Available liability coverages include General Liability, Professional Liability, D&O, Employment Practices, Sexual Misconduct, and Umbrella policies.
Need help placing an account? Connect with a market specialist.