Ideal Accounts and Appetite
This program is intended for nonprofit and for-profit organizations that provide direct services to individuals living with HIV/AIDS. Typical eligible accounts include:
- Community-based HIV/AIDS service organizations
- Hospice providers caring for HIV/AIDS patients
- Nutrition and wellness counseling programs tailored for HIV-positive individuals
These organizations commonly deliver a mix of medical, emotional, and social services such as case management, life coaching, housing assistance, transportation, and educational outreach.
Ineligible risks: needle exchange programs are excluded from this program.
Coverage Highlights and Advantages
Agents can place a broad package of coverages designed for health and human services providers. Available coverages and enhancements include:
- General Liability and Professional Liability
- Property and Auto (subject to underwriting restrictions)
- Umbrella Liability
- Abuse & Molestation coverage
- Coverage enhancements such as:
- Volunteers and Independent Contractors as Insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insured
The program is structured to address exposures common to these organizations, including professional liability arising from counseling services, claims involving volunteers, and auto liability related to client transportation.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by account based on size, services provided, and coverage selections. AFC Insurance Inc. works with multiple carrier partners to offer flexible solutions and competitive pricing for qualifying risks. For accurate quoting, submissions should include full operational details: services offered, client population, staffing and volunteer structure, transportation usage, and any risk management practices or incident history.
Territories and Availability
The HIV / AIDS Insurance program is available in most states, including major markets such as CA, NY, TX, FL, IL, and PA. In total the program spans more than 45 states plus DC. Coverage is available on an admitted basis in most states; state-specific placement options and forms may vary.
Why Work With AFC Insurance Inc.
As a dedicated Program Administrator, AFC Insurance Inc. brings specialized underwriting expertise in the health and human services sector. Their team understands the sensitive and complex risks organizations serving people living with HIV/AIDS face. AFC provides access to multiple markets, specialized endorsements, and underwriting flexibility—helping you place accounts that might not fit standard markets.
Agent scenarios where this program fits well:
- You have a small nonprofit that provides nutrition counseling and case management to HIV-positive clients and needs professional liability plus volunteer coverage.
- You represent a larger community-based provider that offers transportation and hospice care and requires a combination of general liability, professional liability, and auto coverage with abuse & molestation protections.
Whether your client is a small counseling program or a multi-service provider, AFC’s program is structured to deliver appropriate protection with responsive underwriting and market access.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is best for organizations that provide direct services to individuals living with HIV/AIDS, including hospices, counseling centers, and community support agencies.
Are needle exchange programs eligible for coverage?
No. Needle exchange programs are specifically excluded from eligibility under this program.
What coverages are included in the package?
Typical offerings include General and Professional Liability, Property, Auto (with restrictions), Umbrella, Abuse & Molestation, plus endorsements for volunteers and key employees.
Is this program available nationwide?
The program is available in most U.S. states, including major markets like NY, CA, TX, and FL. Availability and form types vary by state—check with AFC for state-specific details.
What is the minimum premium for this program?
Minimum premiums vary by risk characteristics, services provided, and selected coverages. Contact AFC Insurance Inc. for a tailored quote based on the account details.
Need help placing an account? Connect with a market specialist.