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Specialized Insurance for Mentally Retarded/Mentally Handicapped Services AFC Insurance Inc. administers a Health & Human Services program tailored for organizations that provide structured care and support to individuals with intellectual and developmental disabilities. The program is designed to help agents place liability and property coverages that reflect the operational realities of group homes, day programs, sheltered workshops, and similar providers. Ideal Accounts and Target Classes This program fits a wide range of human service providers. Target classes include: Mentally Retarded / Mentally Handicapped Services Residential facilities and group homes Day treatment and day habilitation programs Sheltered workshops and work activity centers Community residences and supported living Mental health care and outpatient services for the developmentally disabled If you represent clients who run structured support programs, vocational training, or residential care for people with intellectual and developmental disabilities, AFC’s program gives you markets and underwriting tailored to that exposure. Coverage Highlights and Advantages The program addresses the core exposures these organizations face, including professional liability, general liability, abuse & molestation, and property coverage. Coverage features and advantages include: Policy forms and limits appropriate to direct-care and residential operations Abuse & molestation wording available to match agency risk Flexible underwriting for mixed operations (residential + day services) Access to multiple carrier partners to find a market fit for unusual or complex risks Underwriting Notes and Minimum Premiums Underwriting is handled on a case-by-case basis. AFC evaluates the program type, staffing levels, documented training, behavior management protocols, and prior claims history when matching accounts to carriers. Accounts with written risk-management policies, ongoing staff training, and incident reporting procedures are preferred. Minimum premiums and retentions vary by carrier, state, and class. Speak with an AFC market specialist to confirm current minimums for a specific account. Appetite and Typical Restrictions Best-fit accounts are stable operations with formalized policies and experienced staff. Accounts that may be declined or require special handling include facilities with severe abuse history, unmanaged behavioral programs, or facilities operating outside usual licensing/inspection standards. For complex or higher-risk submissions, provide detailed incident reports, staff qualifications, and copies of care protocols to expedite placement. Territories and Availability This program is available on an admitted basis in most states, providing underwriting familiarity and regulatory stability. AFC currently offers the program in the following jurisdictions: 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, WY. Why Work With AFC Insurance Inc.? AFC is a program administrator focused on health and human services. Agents benefit from AFC’s niche underwriting expertise, established carrier relationships, and practical approach to placing care-oriented operations. AFC can help you structure submissions, identify suitable carriers, and place accounts ranging from a single group home to multi-site day program networks. Typical scenarios you can place through this program: A three-location group home operator with documented staff training and incident reporting seeking combined GL, professional liability, and property coverage on an admitted form. A day habilitation and sheltered workshop program offering vocational training that needs abuse & molestation coverage alongside professional liability limits tailored to client exposures. Whether the account’s need is admitted placement, specialty abuse coverage, or flexible limits for mixed operations, AFC can work with you to find appropriate carrier capacity. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for organizations that provide services to mentally retarded or developmentally disabled individuals, including group homes, sheltered workshops, day treatment centers, and outpatient providers. Is this program available in all states?The program is available in most U.S. states. Review the listed states or contact AFC Insurance Inc. to confirm availability for your client's location. What coverages are included in the program?Typical coverage includes general liability, professional liability, abuse and molestation coverage, and property insurance structured for human service providers. What information is needed to get a quote?Provide details about the facility’s services, number of residents or clients, staffing ratios, training programs, licensing, and any prior insurance history or claims to speed quoting. Who underwrites this program?AFC Insurance Inc. administers the program and works with multiple carriers to match accounts with the appropriate market. Need help placing an account? Connect with a market specialist.

Crisis Centers Insurance Program from AFC Insurance Inc. AFC Insurance Inc. offers a specialized Crisis Centers Insurance program designed to support organizations that provide vital emergency and advisory services to individuals in distress. This program is part of AFC’s broader Social & Human Services Insurance offerings, built to address the complex risk profiles of nonprofits and community-focused organizations. Whether your client operates a 24/7 crisis hotline, a walk-in mental health facility, or a rehabilitation program, this insurance solution is designed to deliver comprehensive protection tailored to their services. AFC Insurance Inc. serves as a Program Administrator, giving agents and brokers access to competitive coverage options through a variety of carriers. Ideal Accounts and Target Classes This program is best suited for organizations that offer urgent or ongoing crisis support services, including but not limited to: Mental Health Care Facilities Domestic Violence Programs and Shelters Alcohol & Drug Rehabilitation Centers Suicide Prevention Programs and Hotlines You might have a client who runs a nonprofit crisis center offering emergency counseling and temporary housing. Or perhaps a regional behavioral health organization providing outpatient services and referral hotlines—these are the kinds of accounts that fit well within this program’s appetite. Coverage Highlights and Advantages The program offers a robust range of coverages that respond to the unique exposures found in crisis intervention services. Available coverages include: Package Policies General Liability and Professional Liability Abuse & Molestation Coverage Umbrella Liability Property and Auto Coverage (with some restrictions) Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These features help agents provide peace of mind to clients who rely on a mix of paid staff, volunteers, and third-party providers to deliver critical community services. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class, size of operations, services provided, and location. AFC Insurance works with agents to understand the nuances of each submission, aiming for efficient underwriting and tailored solutions. Accounts with strong risk management practices, documented procedures, and staff training are especially desirable. 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. The program is admitted in most of these states, though availability and restrictions may vary by location and class. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings deep expertise in the social and human services sector, with a long-standing commitment to helping community-based organizations secure the right protection. As a program administrator, AFC offers access to multiple carriers and flexible underwriting approaches. Their team understands the unique challenges that crisis centers face and can help you deliver responsive, well-rounded insurance solutions to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for crisis centers, mental health facilities, domestic violence shelters, suicide prevention hotlines, and substance abuse treatment programs. Are volunteers and independent contractors covered?Yes, the program includes endorsements that allow for coverage of volunteers and independent contractors as insureds. Is Abuse & Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, helping protect against serious liability exposures in crisis care environments. In which states is the program available?The Crisis Centers Insurance program is available in most states across the U.S., including CA, NY, TX, FL, and many others. Availability may vary by state and class. What is the minimum premium for this program?Minimum premiums vary by type of account, size of operation, and coverage needs. AFC Insurance Inc. evaluates each submission individually to determine pricing. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized HIV / AIDS Insurance program within its Health & Human Services Program. Designed to support organizations that serve individuals living with HIV/AIDS, this program is tailored for service providers delivering critical care, resources, and advocacy. It is structured to address the unique risks these organizations face, providing comprehensive coverage options and flexible underwriting to meet a variety of operational needs. 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.

Individual Residential Alternatives Insurance is a key component of AFC Insurance Inc.’s comprehensive Health & Human Services program. Designed for service providers supporting individuals with developmental or intellectual disabilities, this specialized insurance solution helps protect providers offering care in supervised apartment settings. If you’re working with clients who assist developmentally disabled or mentally handicapped individuals seeking independent living with supportive oversight, this program is built for their unique risks and exposures. Ideal Accounts and Appetite This program is specifically tailored for organizations and caregivers offering residential services to: Developmentally Disabled individuals Mentally Retarded/Mentally Handicapped persons Elderly individuals requiring supportive living arrangements These may include non-profits, private care agencies, and other organizations managing Individual Residential Alternatives (IRAs), supervised apartments, or similar facilities where residents receive daily living support. Coverage Highlights and Advantages The program offers a robust package of insurance coverages to address the complex liability and operational exposures faced by IRA providers. Available coverages include: General Liability and Professional Liability Property and Auto (with some restrictions) Umbrella coverage for extended limits Abuse and Molestation coverage Coverage Endorsements and Enhancements, including: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds This flexibility allows agents to meet the specific needs of each client, whether they operate a small group home or a multi-location care organization. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size and scope of the operation, as well as selected coverages. AFC Insurance Inc. evaluates each submission with a focus on aligning coverage to specific exposures. Certain auto risks may be restricted, and a strong risk management or training program is often favorable in underwriting. Example accounts that fit well include: A community-based nonprofit operating several supervised apartments for adults with developmental disabilities A private agency providing 24/7 care to elderly clients in an Individual Residential Alternative setting 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. The program is written on an admitted basis in most states, though availability may vary based on class and carrier. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a trusted program administrator with deep experience in Health & Human Services insurance. Their Individual Residential Alternatives Insurance program is designed with the unique exposures of caregiving and supportive housing in mind. Agents benefit from a responsive underwriting team, flexible coverage options, and access to a variety of carriers. Whether you're helping a startup nonprofit or an established care provider, AFC can help you deliver tailored solutions that protect your clients and support their mission. Frequently Asked Questions What types of accounts are a good fit for this program?Organizations providing residential services to developmentally disabled, mentally handicapped, or elderly individuals in supervised apartment settings are ideal candidates. Is abuse and molestation coverage included?Yes, abuse and molestation coverage is available as part of the program to help address critical liability exposures in caregiving environments. Are volunteers and independent contractors covered?Yes, the program offers endorsements that include volunteers and independent contractors as insureds, helping clients extend protection beyond regular employees. Which states is this program available in?The program is available in most states, including NY, CA, TX, FL, and many others. Availability may vary depending on the specific risk and carrier. What are the minimum premium requirements?Minimum premiums vary depending on coverage selections, risk size, and operations. AFC evaluates each submission individually to determine premium requirements. Need help placing an account? Connect with a market specialist.

Overview — AFC Insurance Inc. Not-For-Profit Housing Facilities Insurance AFC Insurance Inc. offers a targeted Health & Human Services program for not-for-profit housing facilities. This program is designed for transitional and low-income housing providers that combine affordable housing with an active social service component — for example, counseling, case management, job-readiness or other programs that help residents move from temporary to permanent housing. Ideal Accounts and Appetite You can use this program to place not-for-profit providers focused on temporary-to-affordable housing and low-income housing programs. Typical fits include: Transitional housing programs with documented social services (case management, counseling, re-entry support) Small to medium low-income housing projects operated by 501(c)(3) organizations Programs that operate residential units plus program vans or staff vehicles used in support services Accounts that lack a social service component, operate as licensed medical or skilled nursing facilities, or present unusually high liability exposures may not fit. Submit unusual or complex risks for review — appetite and terms vary by carrier. Coverage Highlights Property coverage for buildings, contents and tenant improvements (limits and forms vary by carrier) Auto coverage for owned or program vehicles used to transport residents or staff (symbol and usage restrictions apply) Program Administrator placement through a variety of carrier partners — admitted or non-admitted availability depends on state and carrier Underwriting Notes and Documentation Underwriters will want to see evidence of the social service component and operational controls. Typical submission requirements include: Statement of operations describing resident eligibility, length of stay and program services Loss runs for current carrier (if any) Copies of lease or occupancy agreements and residential rules Driver lists and vehicle use policies for auto exposures Safety, screening and eviction procedures Minimum premiums and specific terms vary by carrier and state; AFC Insurance Inc. will confirm minimum premium requirements on submission. Territories and Availability Coverage is available in most states; capacity and admitted status vary by carrier. This program is available in the following jurisdictions: 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, WY Why Place This Business With AFC Insurance Inc.? As a program administrator focused on Health & Human Services risks, AFC Insurance Inc. provides access to multiple carrier markets and underwriting expertise for not-for-profit housing operators. You’ll benefit from a tailored appetite for transitional and supportive housing, flexible placement options (property and auto), and underwriting that understands the operational nuances of social service programs. Example Accounts Small nonprofit with a 20-unit transitional housing program offering counseling and job support — needs property coverage and a program van on a single policy. Community housing agency operating multiple low-income buildings with on-site case management — needs building and contents protection, plus limited auto coverage for staff transport. If you have a potential submission that fits the classes above, prepare the program description and basic loss information and submit for quotation — carrier availability and terms will be confirmed on review. Frequently Asked Questions What types of accounts are a good fit for this program?Not-for-profit organizations that operate transitional or low-income housing with an active social service component (counseling, case management, job readiness, re-entry programs). The program focuses on housing providers rather than licensed medical or skilled nursing facilities. What coverages are available through AFC Insurance Inc.?Property and auto coverage are the primary offerings for this program. Limits, forms and endorsements depend on the carrier selected and the state of placement. Are there specific underwriting requirements I should include with submissions?Yes. Provide a description of program operations, resident screening and stay limits, loss runs, lease or occupancy agreements, and vehicle use policies if auto is requested. These items speed underwriting and improve placement prospects. How does admitted vs. non-admitted placement work for this program?Admitted status varies by carrier and state. AFC Insurance Inc. works with multiple markets, so placement as admitted or non-admitted depends on the risk profile and state regulations. The program is available in most states listed above. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized Respite Care Insurance program under its Health & Human Services division, designed to support agents and brokers placing coverage for organizations serving vulnerable populations. Respite care services provide temporary relief to primary caregivers of elderly, ill, or developmentally disabled individuals—an essential yet often overlooked part of the care continuum. These services come with unique liability exposures and operational risks that require tailored insurance solutions. Ideal Accounts and Eligible Classes: This program is ideal for insureds offering temporary care or support services to individuals with developmental disabilities, chronic illness, or other special needs. It is structured to accommodate a wide range of organizations, including: Camps (Special Needs, Adventure, or Licensed Summer Camps for the Developmentally Disabled) Respite Care Facilities and Day Programs Hospice Organizations Traumatic Brain Injury (TBI) Programs Organizations operating under ARCs (Associations for Retarded Citizens) Services providing relief for long-term caretakers Whether your client runs a licensed summer program for developmentally disabled youth or operates a respite day facility for seniors with dementia, this program can provide the necessary coverage framework. Coverage Highlights and Advantages: This program offers a comprehensive package of coverages to address the multifaceted risks associated with respite care services, including: General and Professional Liability Package Policies Umbrella Coverage Property and Auto (some restrictions may apply) Abuse & Molestation Coverage Coverage Enhancements including: Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These comprehensive options ensure that your clients are protected against the full spectrum of liability and operational risks inherent in their field. Underwriting Considerations and Minimum Premiums: Minimum premiums vary depending on the size, scope, and nature of the risk. AFC Insurance Inc. evaluates each submission carefully and works closely with agents to identify the best coverage options. Accounts should demonstrate appropriate licensure, staff training, and risk management protocols to be considered. Territories and Availability: This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and WA. See the full list of eligible states for your client placements: 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, WY. Why Work With AFC Insurance Inc.? As a dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in the health and human services sector. With flexible underwriting, access to multiple carrier partners, and a focus on specialized care environments, AFC is an excellent partner for agents placing respite care and related accounts. You’ll benefit from responsive service, knowledgeable underwriters, and a program built to adapt to the evolving needs of care providers. You might have a client running a summer adventure camp for developmentally disabled teens or a nonprofit offering day respite services for Alzheimer’s patients—this program is built to meet their insurance needs with tailored coverages and risk-focused underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for respite care providers, developmental disability camps, hospice services, TBI programs, ARCs, and nonprofit organizations offering temporary relief to primary caregivers. What coverages are included in the Respite Care Insurance program?The program includes General and Professional Liability, Umbrella, Property, Auto (with some restrictions), Abuse & Molestation, and optional endorsements such as Key Employee Replacement and Blanket Additional Insureds. Is this program available on an admitted basis?Yes, the program is available on an admitted basis in most states where it is offered. Availability may vary depending on the specific risk and location. What is the minimum premium for this program?Minimum premiums vary depending on the size and type of risk. AFC Insurance Inc. evaluates each submission individually to determine appropriate pricing. Which states is this Respite Care Insurance program available in?The program is available in most states, including CA, TX, NY, FL, IL, and more. Please refer to the full list of covered states for complete availability. Need help placing an account? Connect with a market specialist.