After School Programs Insurance is a key component of AFC Insurance Inc.'s Health & Human Services Program. Designed specifically for the unique needs of after school programs and related organizations, this specialty insurance solution helps agents and brokers place coverage for a wide range of youth-focused services. Whether you're working with tutoring centers, recreation facilities, or mentoring programs, AFC offers comprehensive protection tailored to your clients' real-world exposures.
Ideal Accounts and Appetite
This program is built for professional after school programs and similar organizations serving children and adolescents in structured, supervised environments. Eligible classes include:
- After School Programs
- Anti-Bullying Programs
- Tutoring Centers
- Recreational Activities
- Homework Help Programs
- Mentoring Services
- Boys and Girls Clubs (excluding overnight stays)
Programs must operate with proper supervision and risk management protocols. Overnight programs, residential care, or operations with high-risk activities may fall outside the standard appetite but can be reviewed on a case-by-case basis.
Coverage Highlights and Advantages
AFC's After School Programs Insurance offers broad and flexible coverage options to address the liability exposures these organizations face. Available coverages include:
- Package Policies
- General Liability & Professional Liability
- Endorsements and Enhancements Including:
- Volunteers & Independent Contractors as Insureds
- Optional Key Employee Replacement
- Optional Extended Coverage with Blanket Additional Insureds
- Umbrella Liability
- Property Coverage
- Auto Coverage (restrictions may apply)
- Abuse & Molestation Coverage
This robust coverage lineup helps your clients address risks ranging from premises liability and professional negligence to more sensitive exposures like abuse allegations—critical in today's litigious environment.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the size and scope of the operation as well as risk factors such as staffing, location, and services provided. AFC works closely with appointed agents to assess each submission and deliver competitive solutions. Be prepared to provide detailed operational and risk management information for a faster quote turnaround.
Territories and Availability
This program is available in most states, including but not limited to CA, TX, NY, FL, IL, PA, and GA. AFC offers coverage on an admitted basis in most of these states, helping your clients meet compliance and regulatory requirements where applicable.
Why Work With AFC Insurance Inc.
As a program administrator with expertise in the Health & Human Services sector, AFC Insurance Inc. understands the operational and liability challenges faced by youth-serving organizations. With access to multiple carriers and a flexible underwriting approach, AFC helps agents place difficult or niche accounts that require specialized coverage. You'll benefit from responsive service, knowledgeable underwriters, and a market that's truly built for the needs of after school program providers.
If you have a client running a tutoring center with part-time staff and volunteer mentors, or a Boys and Girls Club offering daily recreational and educational activities, this program may be the perfect fit. AFC makes it easy for you to provide them with tailored, dependable coverage.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include after school programs, tutoring centers, recreational programs, mentoring services, and Boys and Girls Clubs that do not offer overnight stays.
Is Abuse & Molestation coverage included?
Yes, Abuse & Molestation coverage is available as part of the program and can be tailored to each account's needs.
Do you cover volunteers and independent contractors?
Yes, the program offers endorsements that include volunteers and independent contractors as insureds, enhancing protection for your client's workforce.
Are these policies admitted or non-admitted?
The program is offered on an admitted basis in most available states, providing a smoother process for compliance and policy management.
What is the submission process like?
You'll need to provide detailed information about the operation, including services offered, staffing, supervision protocols, and risk management practices. AFC's underwriters work closely with agents to ensure a smooth quoting process.
Need help placing an account? Connect with a market specialist.