Social Services & Human Services Insurance Program from AFC Insurance Inc.
AFC Insurance Inc. offers a specialized Social Services Insurance & Human Services Insurance Program designed to meet the unique needs of organizations providing professional health and human services. Whether your client is a for-profit or not-for-profit agency, this program delivers tailored coverage solutions that address the complex risks these organizations face daily.
Ideal Accounts and Eligible Classes
This program is built for a broad range of social and human service providers. Eligible classes include:
- Hospice and End-of-Life Care Providers
- Agencies for the Aging
- Programs for the Developmentally Disabled
- Homeless Shelters and Transitional Housing
- Alcohol & Drug Rehabilitation Facilities
- Outreach and Youth Services Programs
- Counseling and Mental Health Services
- Adult Day Care Centers
- Community Social Service Agencies
- Domestic Violence Shelters and Support Centers
- Group Homes, including ARC (Associations for Retarded Citizens)
- Organizations serving individuals with Traumatic Brain Injury (TBI)
Limited adoption services (up to 25% of total operations) may also be eligible.
Coverage Highlights and Advantages
AFC’s program is designed to offer comprehensive protection through a wide range of coverages that address the key exposures faced by human and social service organizations. Available coverages include:
- Package Policy
- General Liability
- Professional Liability
- Endorsements covering Volunteers and Independent Contractors
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insured
- Umbrella Liability
- Property Coverage
- Commercial Auto (restrictions may apply)
- Abuse & Molestation Coverage
These coverages are designed to help protect your clients from claims related to professional services, abuse or molestation allegations, auto liability, and more.
Underwriting Notes and Minimum Premiums
This program is available through various carriers depending on the class and state. Minimum premiums vary based on risk characteristics and underwriting evaluation. AFC Insurance Inc. offers underwriting flexibility for both new ventures and established organizations, with a focus on risk management and claim prevention.
Territories and Availability
The Social Services Insurance Program is available in most states, including but not limited to AL, AZ, CA, FL, IL, NY, TX, and WA. The program is written on an admitted basis in many states, giving insureds the benefit of regulatory oversight and policyholder protections. Availability may vary based on class of business and state-specific guidelines.
Why Work With AFC Insurance Inc.?
As a program administrator with a deep understanding of the human services sector, AFC Insurance Inc. delivers tailored solutions, responsive underwriting, and access to a broad network of carriers. Agents and brokers working with AFC gain a reliable partner who understands the nuances of social service operations and can help secure the right protection for these mission-driven organizations.
Whether your client is launching a new counseling center or operating an established group home, AFC's program is a dependable choice for comprehensive coverage and knowledgeable support.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include community-based organizations such as group homes, counseling centers, adult day care facilities, and programs for the developmentally disabled. Both for-profit and not-for-profit organizations are eligible.
Is abuse and molestation coverage included in the program?
Yes, abuse and molestation coverage is available as part of the program, helping to protect clients against these high-exposure claims.
Can this program accommodate new ventures?
Yes, AFC Insurance Inc. considers new ventures with strong management and risk control practices. Each submission will be individually underwritten.
Are independent contractors and volunteers covered?
Yes, the program includes endorsement options that extend coverage to volunteers and independent contractors as insureds.
Is this program available in all states?
The program is available in most U.S. states. Availability may vary by class and jurisdiction, so it's best to confirm with AFC Insurance Inc. for specific state eligibility.
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