Group Homes Insurance — AFC Insurance Inc.
Group Homes Insurance is part of AFC Insurance Inc.'s Human & Social Services Insurance Program. This specialized program is designed for small residential facilities that provide supervised living environments for individuals who require mental, emotional, behavioral, or physical support. Whether you represent a home for at-risk youth or a residence supporting adults recovering from traumatic brain injuries, AFC offers tailored insurance solutions to protect operations, staff, and residents.
Ideal Accounts and Eligible Classes
This program targets group homes and small residential care facilities that need specialized coverage to address caregiving, medical oversight, and community integration risks. Target classes include:
- Developmentally disabled residents
- Youth at risk
- Mental health facilities
- Alcohol & drug rehabilitation centers
- Homes for boys and girls
- Traumatic brain injury (TBI) support homes
- All age groups
Typical fits are licensed residential homes, nonprofit group homes, and small for-profit facilities with documented staffing, training, and risk management procedures. Accounts that lack licensing, proper staff qualifications, or sound risk controls are less likely to qualify.
Coverage Highlights and Advantages
AFC’s package is built to cover both everyday exposures and higher-severity risks common to group homes. Available coverages include:
- Package policies combining multiple lines
- General liability and professional liability
- Endorsements that name volunteers and independent contractors as insureds
- Optional key employee replacement endorsement
- Optional extended coverage endorsements with blanket additional insured
- Umbrella liability to increase limits
- Property coverage for buildings and contents
- Commercial auto (subject to restrictions)
- Abuse & molestation coverage
These coverages help agents place accounts where exposures range from slips and falls to allegations of malpractice or misconduct. The program’s endorsement options provide flexibility for nonprofit volunteers, transient staff, and third-party contractors.
Underwriting Notes and Minimum Premiums
Underwriting focuses on the facility’s licensing, staff training, supervision levels, medication handling, incident reporting, and overall risk management. AFC evaluates each submission on its merits and may request documentation such as licenses, staff rosters, training records, policies and procedures, and incident logs.
Minimum premiums vary by state, size of operation, services provided, and risk characteristics. Work with AFC’s appointed agents to confirm minimums and available options for a given account.
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. AFC offers admitted solutions in many states—contact AFC for state-specific availability and any restrictions.
Why Work With AFC Insurance Inc.?
AFC Insurance Inc. is a program administrator with deep experience in human and social services lines. Agents benefit from a responsive underwriting team, flexible program design, and access to multiple carriers tailored to niche social service risks. AFC has a strong appetite for group homes and related organizations and works with brokers to place challenging or specialized risks.
Example Account Scenarios
- You have a licensed nonprofit group home serving adults with developmental disabilities that needs combined general and professional liability with abuse & molestation limits — AFC’s package options can be structured to include those exposures.
- You represent a small residential program for at-risk youth with volunteers and contracted therapists — AFC’s endorsements for volunteers and independent contractors help extend coverage where needed.