Overview of the Program From AFC Insurance Inc.
AFC Insurance Inc., operating as a program administrator with access to multiple carrier markets, focuses on niche human services programs. Through this Supportive Services Insurance program, AFC provides flexible placement options and responsive underwriting designed for agencies and nonprofits that coordinate care, make referrals, and advise families — rather than providing direct medical treatment or residential services.
Ideal Accounts and Appetite
This program is best suited for organizations that provide structured referral and guidance services for people with developmental or intellectual disabilities, including:
- Referral services for individuals with developmental disabilities
- Referral services for individuals with intellectual disabilities
Good-fit examples you may see in your book include a nonprofit that helps families identify appropriate community supports, or an agency that matches clients to vocational or day-program resources without providing hands-on care or housing. You may also place multi-site referral networks and small community-based coordinators under this program.
Coverage Highlights and Advantages
AFC’s Supportive Services Insurance program offers broad protection tailored to referral providers, including:
- Package policies combining General and Professional Liability
- Endorsements that extend coverage to volunteers and independent contractors as insureds
- Optional Key Employee Replacement endorsement
- Optional Extended Coverage endorsement with Blanket Additional Insured language
- Umbrella liability capacity
- Property and Auto coverage (subject to restrictions)
- Abuse and Molestation coverage where appropriate
These features help agents place accounts that require both professional liability protection for referral advice and general liability for day-to-day operations, especially for nonprofit and social service models with mixed staffing arrangements.
Underwriting Notes and Minimum Premiums
Underwriting is submission-specific; AFC evaluates each account based on services offered, controls in place, and loss history. Minimum premiums vary with the risk profile and coverage choices. Note these common ineligible classes that fall outside the program’s appetite due to higher or more complex exposures:
- Adoption agencies where adoption comprises more than 25% of operations
- Assisted living, elder care, and residential care facilities
- Birthing centers
- Big Brothers/Big Sisters programs that include overnight activities
- Correctional facilities and violent youth lockdown centers
- Foster care agencies and psychiatric hospitals
- Public housing authorities
- Sex offender programs
- Standalone special events or fundraisers
- Student cooperative housing
If you’re unsure whether a client fits, provide a brief submission outlining services, client population, staff/volunteer structure, and any existing policies or risk controls — AFC underwriters will review and advise on placement options.
Territories and Availability
The Supportive Services Insurance program is available in most states, including 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, and WY. Admitted status and specific wording vary by state; AFC will work with you to determine the most appropriate admitted or non-admitted placement for each account.
Why Work With AFC Insurance Inc.?
AFC brings sector-specific underwriting expertise and market access that make it easier to place supportive services accounts. As a program administrator, AFC combines flexible endorsements, coverage options for volunteers and contractors, and responsive quoting to help you protect clients who coordinate care and referrals. Whether you represent a small local nonprofit or a regional referral network, AFC’s team can help you structure terms that fit the client’s operations.
Frequently Asked Questions
What types of accounts are a good fit for the Supportive Services Insurance program?
Accounts that provide referral, placement, or care-coordination services for individuals with developmental or intellectual disabilities — where the organization does not provide direct medical care or residential housing — are generally a good fit.
What coverages are included in the program?
Core coverages include General and Professional Liability, with options for Property, Auto (subject to restrictions), Umbrella, and Abuse & Molestation coverage, plus endorsements for volunteers and independent contractors.
Are volunteers and independent contractors covered?
Yes. The program offers endorsements that can extend insured status to volunteers and independent contractors when their roles meet program criteria.
What risks are not eligible for this program?
Ineligible risks include adoption operations above the stated threshold, assisted living and residential care, psychiatric hospitals, sex offender programs, foster care agencies, and stand-alone events or fundraisers, among others.
Is this program available nationwide?
The program is available in most U.S. states listed above. Admitted status and availability can vary by state, so confirm state placement with AFC when preparing a submission.
Need help placing an account? Connect with a market specialist.