AFC Insurance Inc. offers a specialized program designed to support the unique insurance needs of facilities and services for individuals with developmental disabilities. Our Services for the Developmentally Disabled Insurance program is part of our broader Health & Human Services portfolio and is tailored to address the operational and liability challenges faced by providers in this sector.
Ideal Accounts and Appetite
This program is ideal for a range of care providers and residential facilities offering services to developmentally disabled individuals. Eligible classes include:
- Services for the Developmentally Disabled
- Group Homes for Developmentally Disabled Adults
- Group Homes with Individualized Residential Alternative (IRA) Supportive Living
You can place accounts such as regional group homes that serve adults with autism or cognitive impairments, or community-based living facilities that provide daily support services and supervised care.
Coverage Highlights and Advantages
The program is designed to address common exposures in this niche, including:
- General Liability and Professional Liability
- Abuse and Molestation Coverage
- Property and Equipment Protection
- Automobile (including transport vans for residents)
- Workers’ Compensation (state availability may vary)
We understand the regulatory and operational environment these facilities operate in, and our coverage options are built to provide broad protection with risk management in mind.
Underwriting Notes and Minimum Premiums
Minimum premiums for this program vary based on location, size of operation, and selected coverages. Underwriting focuses on factors such as staffing ratios, staff training, incident history, facility condition, and levels of supervision provided. AFC Insurance Inc. works with a variety of carriers to find the right fit depending on your client’s profile and needs.
Territories and Availability
This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, OH, and WA. We currently offer coverage in 48 states plus Washington, D.C. Admitted markets are used in most states, depending on the specific risk and location.
Why Work With AFC Insurance Inc.?
As a trusted Program Administrator, AFC Insurance Inc. brings deep expertise in the Health & Human Services sector. Our team understands the unique risks faced by care providers for the developmentally disabled and can help you navigate placements with efficiency and care. We offer responsive service, broad market access, and tailored underwriting that helps you find the right coverage for hard-to-place accounts.
Learn more about AFC Insurance Inc. on our company profile or explore the program details on our storefront.