Comprehensive Insurance Solutions for Physically Handicapped Support Services
AFC Insurance Inc. offers a specialized Physically Handicapped Insurance Program through its Health & Human Services platform. Designed for organizations that support individuals with physical disabilities and related challenges, this program provides tailored insurance solutions to address the unique risks these service providers face.
Ideal Accounts and Target Classes
This program is an excellent fit for agencies and organizations that offer services to individuals with:
- Physical handicaps
- Visual impairments or blindness
- Hearing impairments or deafness
- Motor skill or mobility challenges
- Traumatic Brain Injury (TBI)
- Speech and language difficulties requiring therapy
You might have a client that runs a day center for adults with mobility disabilities or an organization that offers in-home services to individuals recovering from TBI—this program is built to support those kinds of accounts.
Coverage Highlights and Advantages
AFC Insurance Inc. delivers broad and flexible coverage options to help protect your clients’ operations, staff, and the people they serve. Available coverages include:
- Package policies tailored to human service providers
- General Liability and Professional Liability
- Endorsements covering Volunteers and Independent Contractors as Insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insured
- Umbrella and Excess Liability
- Property and Auto (some restrictions apply)
- Abuse & Molestation coverage
Whether your client provides facility-based care or mobile services, this program helps them manage liability exposures, operational risks, and regulatory requirements effectively.
Underwriting Considerations and Minimum Premiums
Minimum premiums vary depending on risk characteristics, size, and services provided. AFC Insurance Inc. underwrites each submission with a focus on the specific needs of human services organizations. Submissions should include detailed information about services offered, staffing, training protocols, and any history of claims.
Territories and Availability
This program is available in most states, including but not limited to CA, TX, FL, NY, IL, PA, and GA. AFC Insurance Inc. offers admitted coverage in many jurisdictions, helping your clients meet local regulatory requirements while maintaining flexibility in program design.
Why Work With AFC Insurance Inc.
As a program administrator with deep experience in the human services sector, AFC Insurance Inc. understands the specialized needs of organizations that serve the physically handicapped community. Their markets vary by risk and state, offering agents and brokers access to tailored solutions from top-rated carriers. You can count on responsive underwriting, flexible coverage structures, and a true partner in placing this important niche business.