Ideal Accounts and Appetite
AFC is looking to partner with agents who have clients operating educational or social development programs that include mentorship as a core component. Eligible classes include:
- Education Programs
- GED Preparation Programs
- Literacy and Reading Assistance Programs
These programs must focus on structured, daytime mentoring services and may include both volunteers and paid staff. Organizations that emphasize youth development, academic support, or life skills training are typically a strong fit.
If you have a client running a community-based youth tutoring program or a nonprofit offering career mentoring for at-risk teens, this program may be an excellent placement opportunity.
Coverage Highlights and Advantages
AFC’s Mentoring Programs Insurance offers broad, flexible coverage to address the real-world exposures these organizations face. Available coverages include:
- Package Policies
- General Liability & Professional Liability
- Endorsements for Volunteers & Independent Contractors as Insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insureds
- Commercial Umbrella
- Property Coverage
- Commercial Auto (with restrictions)
- Abuse & Molestation Coverage
These coverages are designed to protect the organization and its people—especially in areas where liability can be high due to working with minors or vulnerable populations.
Underwriting Notes and Minimum Premiums
AFC requires thorough employment background checks for all staff and volunteers involved in mentoring activities. Overnight or residential mentoring programs are not eligible under this offering. Minimum premiums vary depending on risk characteristics, size of the organization, and selected coverages. AFC’s underwriting team works with agents to evaluate each submission on its individual merits.
Territories and Availability
This program is available in most states on an admitted basis. Current availability includes but is not limited to AL, AZ, CA, CO, FL, GA, IL, IN, MA, MI, NC, NJ, NY, OH, PA, TX, VA, and WA, among others. If you’re unsure whether your state is eligible, AFC welcomes submissions for review.
Why Work With AFC Insurance Inc.?
As a dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in Health & Human Services insurance. Their focus on niche programs like mentoring services allows them to offer tailored underwriting, flexible endorsements, and responsive service. With access to multiple carriers and a broad appetite across most states, AFC is a reliable partner for agents seeking dependable markets for their nonprofit and educational clients.
Frequently Asked Questions
What types of accounts are a good fit for this mentoring program insurance?
Ideal accounts include non-residential mentoring programs such as youth literacy initiatives, GED tutoring services, and adult-to-youth career mentoring programs that operate during the day and require background checks for all staff and volunteers.
Are overnight or residential mentoring programs eligible?
No, this program is for non-residential mentoring services only. Overnight or residential risks are not eligible under AFC’s current underwriting guidelines.
What coverage options are available through this program?
Available coverages include General and Professional Liability, Property, Auto (restrictions apply), Umbrella, Abuse & Molestation, and optional endorsements for key employee replacement and additional insureds.
Is this program available in all states?
The program is available in most states, including CA, TX, NY, FL, and others. Agents should check with AFC for availability in specific states.
Do volunteers and independent contractors receive coverage?
Yes, endorsements are available to include volunteers and independent contractors as insureds, helping protect everyone involved in the mentoring operation.
Need help placing an account? Connect with a market specialist.