Insurance for Autism Services is included in AFC Insurance Inc.’s Human & Social Services Insurance Program. This specialized offering is designed for organizations that provide essential services to individuals diagnosed with autism, including diagnostic assessments, behavioral health therapy, rehabilitative care, counseling, and pharmacy-related support. As a program administrator with access to a variety of carriers, AFC Insurance Inc. offers flexible and comprehensive options tailored to the unique risks faced by autism service providers.
Ideal Accounts and Appetite
This program targets a range of organizations within the autism services space. Eligible classes include:
- Autism Services Providers – including outpatient and in-home support organizations
- Special Schools – educational institutions offering specialized learning environments for children with autism spectrum disorders
You might have a client running a private autism therapy center or a nonprofit special needs school—both would be strong candidates for this program. AFC is particularly well-suited for insureds who need a comprehensive package policy that addresses both general and professional liability exposures.
Coverage Highlights and Advantages
Available on an admitted basis in most states, this program offers a broad range of coverages designed to protect human services organizations:
- General Liability and Professional Liability
- Package Policies for full protection
- Endorsements and Enhancements including:
- Volunteers & Independent Contractors as Insureds
- Key Employee Replacement (Optional)
- Extended Coverage with Blanket Additional Insured (Optional)
- Umbrella and Excess Coverage
- Property and Auto (restrictions may apply)
- Abuse & Molestation Coverage
These enhancements are particularly valuable for organizations with part-time staff, volunteers, and therapists operating in multiple locations.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on risk profile, location, and selected coverages. AFC Insurance Inc. works closely with agents to find suitable solutions that align with the insured’s operations and budget. Underwriters are experienced in the nuances of the human and social services sector, which allows for informed risk assessment and flexible structuring.
Territories and Availability
This program is available in most U.S. states, including but not limited to CA, FL, NY, TX, IL, and GA. AFC Insurance Inc. currently offers this program in 49 states and Washington, DC. Be sure to check specific state availability and any applicable restrictions that may impact coverage offerings.
Why Work With AFC Insurance Inc.
AFC Insurance Inc. brings deep expertise in human and social services insurance. As a program administrator, they offer access to multiple carriers and can tailor coverage to fit the distinct needs of autism-related organizations. Their focus on service, underwriting support, and program flexibility makes them a strong partner for agents placing complex or specialized risks. Whether you're working with a small therapy center or a multi-location special education provider, AFC can help you secure the protection your client needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Autism therapy providers, special education schools, and nonprofit organizations offering autism-related services are ideal fits.
Is this program available on an admitted basis?
Yes, the program is offered on an admitted basis in most states.
Are volunteers and independent contractors covered?
Yes, volunteers and independent contractors can be included as insureds through available coverage endorsements.
What coverages are typically included in the program?
The program includes general liability, professional liability, property, auto (with some restrictions), umbrella, and abuse & molestation coverage, along with optional enhancements.
In which states is this program available?
The program is available in 49 states plus Washington, DC. Contact AFC Insurance Inc. for availability in specific states.
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