Employee Assistance Programs Insurance

Ideal Accounts and Appetite

This program targets organizations that provide a broad range of employee assistance services, including:

• Professional counseling and mental health support
• Substance abuse and addiction services — including gambling and other behavioral addictions
• Referral services for health, legal, or financial assistance

Ideal clients include both non-profit and for-profit EAP providers, third-party administrators, and wellness vendors that deliver EAP services to employers, school districts, municipalities, or healthcare systems. Accounts with clear policies, documented intake and referral procedures, licensed clinicians or credentialed vendors, and formal risk management practices are a particularly good fit.

Typical restrictions or additional underwriting scrutiny may apply to accounts that deliver inpatient/residential treatment, highly specialized forensic services, or those with significant prior losses. AFC underwriters review each account on its facts and will advise when placements require enhanced terms or alternative markets.

Coverage Highlights and Advantages

The Employee Assistance Programs Insurance from AFC includes coverages tailored to human services providers. Available options include:

• Package policies
• General liability and professional liability
• Coverage endorsements and enhancements
• Volunteers and independent contractors included as insureds
• Optional key employee replacement endorsement
• Optional extended coverage endorsement with blanket additional insured
• Umbrella and excess liability options
• Property and auto coverage (some restrictions may apply)
• Abuse & molestation coverage

These coverages are intended to address both standard business exposures and the specialized liabilities that arise from providing mental health, counseling, and referral services.

Underwriting Notes and Minimum Premiums

AFC works with a panel of carriers to deliver flexible underwriting solutions. Accounts are evaluated on services offered, staff credentials, use of contractors, number of employees, client population, prior loss history, and overall risk management. Optional endorsements let you tailor limits and coverage to the client’s exposures.

Minimum premiums vary by carrier and the size and scope of operations; AFC quotes each account to determine competitive and appropriate pricing.

Territories and Availability

This 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. Coverage is admitted in most available states.

Why Work With AFC Insurance Inc.?

As a program administrator focused on health and human services, AFC brings sector expertise and underwriting tailored to EAP exposures. Working through AFC gives you:

• Access to markets that understand counseling and behavioral health liability
• Customizable endorsements to include volunteers and independent contractors
• Options for umbrella/excess limits and abuse & molestation coverage
• Responsive service for placement and endorsement requests

AFC is positioned to help you place small behavioral health nonprofits through larger national EAP providers by matching accounts to the carrier and terms that best fit their risks.

Agent Scenarios — When to Consider This Program

• You might have a client that provides EAP counseling and referral services to regional employers — this program can provide professional liability, general liability, and optional excess limits tailored to that mix.
• You might place a nonprofit employee wellness provider that uses a mix of staff clinicians and contracted counselors — AFC’s endorsements to include volunteers and independent contractors help simplify placement.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.