Ideal Accounts and Appetite
This program is designed for professionally operated Associations for Retarded Citizens and related nonprofit or community organizations. Typical eligible classes include:
- Job placement and supported employment services
- Vocational training and day programs
- Life skills and independent-living coaching
- Behavioral therapy and support services
- Public social interaction and community integration programs
Accounts that commonly fit the appetite are non-residential and residential programs that provide structured training, employment readiness, and supervised community activities. Programs with direct care, one-on-one support, or transportation services may require additional underwriting detail.
Coverage Highlights and Advantages
AFC Insurance Inc. provides broad, customizable packages to address core exposures for ARC providers. Core and optional coverages include:
- Commercial General Liability and Professional Liability
- Package options combining liability and property limits
- Endorsements extending coverage to volunteers and independent contractors
- Optional key employee replacement coverage
- Blanket additional insureds and extended coverage endorsements (optional)
- Umbrella and excess liability layers
- Property and commercial auto (subject to availability and restrictions)
- Abuse & molestation coverage available subject to underwriting
The program’s flexibility allows you to tailor limits and endorsements to match client operations and risk-management practices.
Underwriting Notes and Minimum Premiums
Underwriting evaluates operations, staffing, client population, supervision ratios, transportation, background checks, and safety protocols. Submissions should include a detailed description of services, organizational structure, loss history, and written policies for hiring, supervision, and incident reporting.
Minimum premiums vary by state, size, and exposure. AFC Insurance Inc. works with agents to identify the appropriate coverage layers and price point for each account.
Territories and Availability
The program is available in most states, including CA, TX, FL, NY, IL, PA, and GA, and is generally placed in admitted markets where possible to provide admitted paper and broader regulatory protections. Availability and coverages may vary by state and carrier.
Why Work With AFC Insurance Inc.?
AFC Insurance Inc. is a program administrator with focused expertise in human and social services. Their underwriters understand ARC operations and the common loss drivers in this sector, and they work collaboratively with agents to structure responsive, market-accessible solutions. Whether you need a standalone liability policy or a full package including property and abuse coverage, AFC can provide access to multiple markets and a practical underwriting approach.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include nonprofit or community-based organizations offering supervised care, vocational training, or behavioral support services for individuals with developmental disabilities or mental impairments.
Is abuse and molestation coverage included in the policy?
Yes. Abuse and molestation coverage is available as part of the program’s offerings, subject to underwriting review and approval.
Are volunteers and independent contractors covered?
Yes. Endorsements and enhancements are available to extend coverage to volunteers and independent contractors where appropriate.
Which states is this program available in?
The program is available in most states, including CA, TX, FL, NY, IL, PA, and many others across the U.S. Specific coverages and market availability may vary by state.
What information is needed to submit an account?
Provide detailed descriptions of operations, prior loss history, types of services provided, staffing levels, supervision ratios, transportation practices, and written safety protocols.
Need help placing an account? Connect with a market specialist.