Mental Health Programs Insurance From AFC Insurance Inc.
Place your clients’ mental health risks with AFC Insurance Inc. Our Mental Health Insurance Care Program is a focused offering within our Health & Human Services suite, built for licensed professionals and organizations that deliver outpatient and community-based mental health services. The program helps protect providers from the liability and operational exposures common in behavioral health delivery while giving you access to admitted capacity in most states.
Ideal Accounts and Appetite
The program is designed for a broad range of non-psychiatric, outpatient and community-based mental health providers, including:
- Mental health care facilities and clinics
- Licensed counseling and psychotherapy services
- Behavioral health and substance-use counseling providers
- Outpatient counseling centers
- Crisis intervention and case management services
- Residential services that do not provide psychiatric inpatient care
Whether your client operates a single-provider outpatient practice or a larger regional counseling center, AFC can help you find appropriate coverage. Accounts involving inpatient psychiatric units, high-security forensic programs, or those with uncontrolled abuse allegations typically fall outside standard appetite—please consult underwriting for exceptions.
Coverage Highlights and Advantages
The Mental Health Insurance Care Program offers flexible, multi-line protection tailored to behavioral health risks. Available coverages can include:
- General liability
- Professional liability (errors & omissions)
- Abuse and molestation coverage
- Property and business personal property
- Other ancillary lines depending on underwriting
AFC works with multiple admitted carriers to match each account to appropriate limits, endorsements, and terms. That market access helps you place accounts with competitive pricing and regulatory stability where admitted paper is available.
Example fits:
- A regional outpatient counseling center treating anxiety, depression, and trauma seeking combined general and professional liability limits.
- A nonprofit crisis intervention organization needing abuse and molestation coverage plus general liability and property protection for multiple program sites.
Underwriting Notes and Minimum Premiums
Underwriting is case-by-case and focused on the provider’s services, licensure, operations, staffing, and claims history. Common submission requirements include a description of services offered, copies of professional and facility licenses, staff credentialing details, risk management procedures, and current loss runs. Minimum premiums vary by state, size, and risk profile—submit complete information to accelerate quoting.
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. Admitted coverage is available in most of these states, providing a compliant option where required by regulation.
Why Work With AFC Insurance Inc.?
AFC Insurance Inc. is a dedicated program administrator with deep knowledge of health and human services risks. We combine specialized underwriting, access to multiple admitted markets, and a service-focused placement process to help you deliver solutions for mental health providers. Our underwriters are experienced with the operational nuances of counseling, crisis intervention, and residential support services, which helps speed placement and tailor terms to each account’s exposure.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for outpatient counseling centers, behavioral health providers, crisis management services, and residential services that do not provide psychiatric inpatient care.
Is this program admitted or non-admitted?
The program is admitted in most available states, offering a stable and compliant option for your clients.
What coverages can be included?
Available coverages may include general liability, professional liability, abuse and molestation, property, and other lines depending on underwriting and the specific carrier.
Which states is the program available in?
This program is available in most U.S. states, including CA, FL, NY, TX, and many others listed above.
What is the minimum premium?
Minimum premiums vary based on the size and scope of the insured’s operations. Provide detailed submissions to receive an accurate quote.
Need help placing an account? Connect with a market specialist.