Family Services Insurance is part of AFC Insurance Inc.’s Human & Social Services Insurance Program. Designed for agents and brokers placing coverage for nonprofit organizations, this program addresses the unique risks nonprofits face when providing direct services to underprivileged individuals and families. Whether your client runs an emergency shelter, offers counseling, or manages a WIC program, AFC’s Family Services Insurance offering bundles liability, risk management endorsements, and optional property/auto protection to match the operational needs of social service providers.
Ideal Accounts and Appetite
This program targets mission-driven nonprofit family service organizations that deliver direct community support. Eligible classes typically include:
- Family support and case-management services
- WIC (Women, Infants, and Children) programs
- Individual and group counseling/behavioral health services (non-inpatient)
- Emergency and transitional shelters
- Guardianship and client-advocacy services
Appetite is focused on nonprofits with clear operating procedures, staff training, and volunteer management. While the program is designed for standard to moderately complex social service operations, accounts with highly specialized medical services, inpatient behavioral-health facilities, or unusually high limits of volunteer exposure may require special underwriting review or alternate markets.
Example accounts that typically fit well:
- A small community counseling center with licensed clinicians seeking professional liability, general liability, and volunteer coverage endorsements.
- A nonprofit operating a local emergency shelter that needs package coverage including general liability, abuse and molestation coverage, and limited property protection.
Coverage Highlights and Advantages
AFC Insurance Inc.’s Family Services Insurance program delivers a flexible package of coverages designed for the human services sector. Core and optional features include:
- Package policy options combining general and professional liability
- Professional liability tailored to counselors and direct-service staff
- Endorsements that add volunteers and independent contractors as insureds
- Optional key employee replacement endorsement for critical staffing gaps
- Optional extended coverage endorsements with blanket additional insured wording
- Umbrella and excess liability capacity
- Property and auto coverage available with some restrictions
- Abuse and molestation coverage (subject to underwriting and carrier approval)
These coverages address common exposures such as professional errors, allegations involving clients or children, volunteer-related claims, and liability arising from shelter operations.
Underwriting Notes and Minimum Premiums
Underwriting emphasizes documented policies and risk controls: staff credentialing, background checks, volunteer supervision, client intake processes, and incident reporting protocols. AFC works with multiple carriers to place accounts across a range of risk profiles and funding structures.
Minimum premiums vary by state, account class, and selected coverages. For precise minimums and submission requirements, contact AFC Insurance Inc. or connect with a market specialist through the link below.
Territories and Availability
The program is available in most U.S. states, including but not limited to CA, FL, NY, TX, IL, PA, and GA. Coverage is offered on an admitted basis in most states to help ensure regulatory compliance and smoother placements for agents and brokers.
Why Work With AFC Insurance Inc.?
AFC Insurance Inc. is a program administrator with focused expertise in the nonprofit and human services sector. Agents benefit from:
- Access to multiple carrier appetites for difficult-to-place nonprofit risks
- Underwriting guided by the operational realities of social service providers
- Flexible endorsements crafted for volunteers, independent contractors, and counseling professionals
- Responsive service and placement support for agents and brokers
Whether you are placing a routine family services account or a nonprofit with nuanced exposures, AFC’s Family Services Insurance program provides tailored solutions and underwriting support to help secure the right coverage.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include nonprofit organizations offering family support services, counseling, shelters, WIC programs, and guardianship services.
Is abuse and molestation coverage included?
Yes, abuse and molestation coverage is available as part of the program, subject to underwriting and carrier approval.
Are volunteers and independent contractors covered?
Yes, the program offers endorsements that include volunteers and independent contractors as insureds.
What states is this program available in?
The program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others.
What is the minimum premium for this program?
Minimum premiums vary depending on the risk and coverage selected. Contact AFC Insurance Inc. for specific underwriting guidelines.
Need help placing an account? Connect with a market specialist.