AFC Insurance Inc. offers a focused insurance solution tailored to the unique needs of Senior Living Communities. This specialized program provides Property and Auto coverage exclusively for facilities that serve aging populations, such as retirement communities, age 55+ housing, and senior living centers. As a program administrator with access to a variety of carriers, AFC is positioned to help agents and brokers secure competitive coverage options for these niche risks.
Ideal Accounts and Appetite
This program is designed for non-medical senior facilities, including:
- Senior Living Communities
- Retirement Communities (55+)
- Independent Living Facilities
Note that this program does not include General Liability or Professional Liability coverage. It is best suited for accounts focused on property management and transportation exposures, rather than hands-on healthcare or caregiving services.
For example, you might have a client that owns a gated retirement village with a small fleet of shuttle vans for resident transportation—this program can address the property and auto risks for that type of exposure.
Coverage Highlights and Advantages
- Property Coverage – Protects buildings, contents, and equipment specific to senior housing operations.
- Auto Coverage – Designed for owned and operated vehicles used for resident transport, deliveries, or facility operations.
- Access to multiple carriers ensures flexibility and market competitiveness.
Because the program is focused and streamlined, it can be a strong fit for brokers looking to quickly address core insurance needs without bundling unnecessary coverages.
Underwriting Notes and Minimum Premiums
Minimum premiums vary and depend on the size and scope of the facility, property values, and vehicle exposures. AFC evaluates each submission on its own merits and seeks clean, well-managed risks that meet program criteria. Facilities with significant healthcare or skilled nursing operations may need to be placed elsewhere.
Territories and Availability
This program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. AFC writes on an admitted basis in many of these states. Agents are encouraged to inquire about state-specific availability and underwriting appetite.
Why Work With AFC Insurance Inc.?
AFC Insurance Inc. brings targeted expertise and a streamlined underwriting process to hard-to-place classes like senior living. As a program administrator, AFC leverages strong carrier relationships to deliver tailored solutions for niche commercial property and auto exposures. Whether you're placing a single-location senior community or a multi-site retirement real estate operator, AFC gives you the tools to meet your client’s needs with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for non-medical senior living communities, such as retirement communities for residents 55+ and independent living facilities with on-site amenities but no skilled nursing care.
What coverages are included in this program?
The program offers Property and Auto coverage only. General Liability and Professional Liability are not included.
Can I place accounts with shuttle or facility vehicles?
Yes, Auto coverage is included and can accommodate transportation exposures such as shuttle vans used for resident transport.
Is this program available in my state?
The program is offered in most U.S. states, including CA, TX, FL, NY, and many others. Contact AFC to confirm availability in your specific state.
What is the minimum premium requirement?
Minimum premiums vary depending on the risk profile, property values, and vehicle count. AFC evaluates each submission individually.
Need help placing an account? Connect with a market specialist.