Early Intervention Development Programs Insurance

Overview of the Program from AFC Insurance Inc.

AFC Insurance Inc. offers a targeted program for agents placing Early Intervention Development Programs. As a program administrator, AFC works with multiple carrier markets (varies by account) to provide flexible package and standalone solutions tailored to the exposures of early childhood development and home- or community-based therapy programs. This program is intended for professional providers that deliver supervised developmental services to children and that need combined general liability, professional liability and optional property/auto protection.

Ideal Accounts and Appetite

• Small to mid-sized early intervention centers and child development programs
• Home & community based service providers offering motor and cognitive skills therapy
• Programs that use volunteers or independent contractors (endorsement options available)
• Organizations seeking tailored liability programs with optional key employee replacement and abuse & molestation coverages

Accounts that typically do NOT fit: large institutional providers with high-severity loss histories, programs with unlicensed or unmanaged clinical operations, or operations with complex transportation fleets (auto coverage has restrictions). Final appetite is carrier-dependent.

Coverage Highlights and Advantages

• Package policies combining General & Professional Liability to address both general liability and allegations arising from professional services.
• Coverage endorsements and enhancements, including Volunteers & Independent Contractors as Insureds — useful for programs that rely on part-time staff or contracted therapists.
• Optional Key Employee Replacement Endorsement to help cover temporary staffing costs after a covered loss to a key staff member.
• Optional Extended Coverage Endorsement with Blanket Additional Insured available for contracts and facility relationships.
• Umbrella/excess capacity and Property coverage where exposures warrant it; Auto coverage available with some restrictions.
• Abuse & Molestation coverage available as an option — important for child-focused programs.

Underwriting Notes and Minimum Premiums

Underwriting is completed by AFC Insurance Inc. in coordination with carrier partners. Carriers and terms vary by state and account characteristics. Typical considerations include program size, staff qualifications and training, screening and hiring practices for employees and volunteers, background checks, client-to-staff ratios, facility safety, and any transportation exposures.

Minimum premiums vary by carrier and state. Provide complete submissions (ACORD applications, prior loss runs, staff/volunteer screening practices, sample client agreements) to obtain accurate quotes and to identify available endorsements.

Territories and Availability

This program is available in most states listed: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Admitted status and carrier availability vary by state and by carrier; AFC places business with admitted and non-admitted markets depending on the account and jurisdiction.

Why Work With AFC Insurance Inc. on Early Intervention Development Programs

• AFC acts as a program administrator with experience packaging liability and ancillary coverages for child-focused health & human services classes.
• Access to multiple carrier markets and flexible endorsements helps tailor policies to operational realities (volunteers, independent contractors, key staff roles).
• Responsive underwriting for small and mid-sized programs — balanced appetite that considers both professional and general liability exposures.
• Practical guidance to help you assemble a full submission and identify appropriate risk management items that improve placement prospects.

Example accounts that fit this program

• You have a three-location early intervention program that provides in-home motor skill therapy and wants combined professional and general liability with volunteer coverage — this program can provide tailored endorsements and umbrella options.
• You represent a small community-based developmental center that needs professional liability, property, and optional key employee coverage while keeping payroll-driven exposures manageable — AFC can coordinate carrier options to match the risk profile.

Coverages Available

Package, General & Professional Liability, Coverage Endorsement & Enhancements including Volunteers & Independent Contractors as Insureds, Optional Key Employee Replacement Endorsement, Optional Extended Coverage Endorsement with Blanket Additional Insured, Umbrella, Property, Auto (some restrictions may apply) and Abuse & Molestation.

Program Contact and Submission Tips

For best results, submit a completed application, current loss runs (5 years preferred), descriptions of programs and services, staff qualifications and screening protocols, and details on any transportation or residential services. AFC Insurance Inc. underwriters evaluate each account and will identify carrier appetite and minimum premiums during the quote process.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.