Ideal Accounts and Appetite
AFC partners with agents who place educational and social development programs where mentorship is a core activity. Typical eligible classes include:
- Education programs with one-to-one or group mentoring
- GED preparation and tutoring programs
- Literacy and reading assistance initiatives
These accounts generally operate during the day and may use a mix of paid staff and screened volunteers. Programs that emphasize youth development, academic support, life skills training, or career mentoring for at-risk teens are a strong fit.
Example placements: you might have a community nonprofit that runs after-school tutoring with volunteer mentors, or a workforce-readiness program that pairs young adults with professional mentors—both are typical submissions for this program.
Coverage Highlights and Advantages
AFC’s Mentoring Programs Insurance is built to address the key liability exposures these organizations face. Available coverages include:
- Package policies
- General liability & professional liability
- Endorsements to include volunteers & independent contractors as insureds
- Optional key employee replacement endorsement
- Optional extended coverage endorsement with blanket additional insureds
- Commercial umbrella
- Property coverage
- Commercial auto (with restrictions)
- Abuse & molestation coverage
These options help mitigate risks related to participant injuries, alleged professional errors, volunteer exposure, and sensitive abuse/molestation exposures when working with minors.
Underwriting Notes and Minimum Premiums
AFC requires background checks for all staff and volunteers involved in mentoring activities. Overnight or residential mentoring programs are not eligible. Minimum premiums vary by account size, exposures, and selected limits/endorsements; AFC’s underwriters will provide guidance on a case-by-case basis. Agents should expect underwriters to review screening practices, program structure, staff ratios, and supervision protocols as part of any submission.
Territories and Availability
This program is available in most states on an admitted basis. Current availability includes, but is not limited to: 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. If you’re unsure about eligibility in a particular state, submit the risk for AFC’s review.
Why Work With AFC Insurance Inc.?
As a dedicated Program Administrator focused on Health & Human Services, AFC brings specialized underwriting knowledge and practical placement solutions for mentoring programs. AFC offers flexible endorsements, responsive underwriting, and access to multiple carrier markets. That combination makes AFC a reliable market when you need tailored coverage for nonprofit and educational mentoring operations.
Frequently Asked Questions
What types of accounts are a good fit for this mentoring program insurance?
Ideal accounts include non-residential mentoring programs such as youth literacy initiatives, GED tutoring services, and career-mentoring programs that operate during the day and require background checks for all staff and volunteers.
Are overnight or residential mentoring programs eligible?
No. AFC’s mentoring program is limited to non-residential, daytime services. Overnight or residential risks are not eligible under current underwriting guidelines.
What coverage options are available through this program?
Available coverages include general and professional liability, property, commercial auto (with restrictions), umbrella, abuse & molestation, and optional endorsements for key employee replacement and additional insureds.
Is this program available in all states?
The program is available in most states on an admitted basis, including major states such as CA, TX, NY, and FL. Check with AFC for availability in specific jurisdictions.
Do volunteers and independent contractors receive coverage?
Yes. Endorsements are available to include volunteers and independent contractors as insureds, which helps extend protection to the individuals delivering mentoring services.
Need help placing an account? Connect with a market specialist.