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AFC Insurance Inc. offers a specialized Health & Human Services Program tailored for organizations that support individuals with cerebral palsy. Through our Cerebral Palsy Centers Insurance program, we help agents and brokers place comprehensive coverage for day programs and residential facilities that serve this critical population. Ideal Accounts and Appetite Our program is designed for non-profit and for-profit organizations that provide services to individuals with Cerebral Palsy. Eligible classes include: Day Programs Residential Facilities This program is ideal for accounts that offer structured support services, therapy, housing, and daily care for individuals with developmental and physical disabilities. Whether your client operates a single residential facility or a network of day programs, AFC Insurance can help you find the right coverage solutions. Coverage Highlights and Advantages Our Cerebral Palsy Centers Insurance program offers a wide range of coverages to protect your client’s operations and personnel. Available coverages include: Package Policies General Liability & Professional Liability Endorsements for Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Umbrella & Excess Liability Property Auto (restrictions may apply) Abuse & Molestation Coverage These coverages are structured to help shield organizations from the unique risks that come with serving vulnerable populations, including liability exposures related to caregiving, transportation, and employment practices. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the operation. Factors such as number of residents, staffing levels, services provided, and claims history will influence underwriting. We work closely with agents to review submissions and provide tailored solutions based on each facility’s needs. Territories and Availability This program is available in most states, including but not limited to: CA, FL, IL, NY, TX, PA, OH, and WA. We are licensed in over 45 states, offering admitted solutions in most areas. Please contact us to confirm eligibility based on your client’s location. Why Work With AFC Insurance Inc. As a trusted Program Administrator, AFC Insurance Inc. has deep experience in the health and human services sector. Our team understands the specialized needs of facilities serving individuals with Cerebral Palsy and other complex conditions. We offer responsive service, flexible underwriting, and access to a range of carriers to help you place and retain this important business. From custom enhancements to abuse coverage and more, we’re committed to helping you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is best suited for day programs and residential facilities that serve individuals with cerebral palsy. Both non-profit and for-profit organizations may be eligible. Is Abuse and Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, subject to underwriting review. Can volunteers and independent contractors be covered?Yes, our endorsements can include volunteers and independent contractors as insureds, helping protect all aspects of your client’s operations. Are auto coverages available for transporting clients?Auto coverage is available, though certain restrictions may apply. Please submit full details for underwriting consideration. In what states is this program available?The program is available in most states, including AL, CA, FL, NY, TX, and many others. Contact us to verify eligibility in your client’s state. Need help placing an account? Connect with a market specialist.

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AFC Insurance Inc. offers a specialized Eating Disorders Insurance program within its Health & Human Services suite. The program is designed for organizations that provide care and rehabilitation for individuals with eating disorders and helps agents and brokers place coverage for facilities delivering structured support such as counseling, behavioral health treatment, nutritional advising, residential care, and life coaching. Ideal Accounts and Appetite This program targets organizations focused on treating and supporting individuals with eating disorders, including: Residential treatment centers Outpatient counseling and therapy providers In-patient housing programs Nutrition and behavioral health clinics Life coaching and wellness centers focused on eating disorder recovery Covered diagnoses include Anorexia Nervosa, Bulimia Nervosa, Binge Eating Disorder, Compulsive Overeating, and other clinically recognized eating disorders. Coverage Highlights and Advantages AFC’s program delivers a flexible suite of coverages to protect organizations from the liability and operational risks common in human services and behavioral health care. Available options include: Package policies General Liability and Professional Liability Endorsements to add Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement endorsement Optional Extended Coverage with Blanket Additional Insureds Umbrella and Excess Liability Property and Auto (subject to underwriting restrictions) Abuse & Molestation coverage These coverages address exposures faced by providers working with vulnerable populations in both residential and outpatient settings. Underwriting Notes and Minimum Premiums Minimum premiums depend on the size, services, and location of the operation. AFC works with a panel of carriers to create tailored programs and applies underwriting criteria suited to behavioral health and human services risks. Note that auto coverage may carry specific restrictions and is evaluated on a case-by-case basis. Territories and Availability This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and PA. AFC Insurance Inc. can write this program in all of the following states: 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 program administrator with deep experience in the health and human services sector, AFC understands the specialized risks associated with treating eating disorders. AFC offers tailored coverage options supported by experienced underwriters and access to multiple carrier partners. Whether your client is a start-up residential facility or an established outpatient clinic, AFC can provide flexible solutions and responsive service for this niche area of care. Frequently Asked Questions What types of accounts are a good fit for this program?Residential treatment centers, outpatient therapy and counseling programs, nutrition clinics, in-patient housing programs, and wellness organizations that focus on eating disorder recovery are strong fits. Is this program available on an admitted basis?Yes. Coverage is available on an admitted basis in most states, depending on the specific risk profile and jurisdiction. Are volunteers and independent contractors covered?Yes. The program includes endorsements that allow volunteers and independent contractors to be added as insureds when appropriate. What is the minimum premium for this program?Minimum premiums vary by operation size, services offered, and location. Contact AFC for underwriting guidelines and pricing details. Which states is this program available in?The program is available in most states nationwide, including CA, TX, FL, NY and many others; a full list of eligible states is provided above. Need help placing an account? Connect with a market specialist.

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AFC Insurance Inc. offers a focused Health & Human Services program designed to help agents place Food Banks and Soup Kitchens. The Food Banks/Soup Kitchens Insurance program is built for nonprofit and community-focused operations that depend on volunteers, donated goods, and on-site or mobile food distribution. Coverage options address the exposures common to food distribution, volunteer operations, delivery activities, refrigeration and storage, and general premises liability. Eligible Classes and Ideal Accounts Nutrition Centers Adult Day Care Centers (food service operations) Kosher Food Banks Food Banks Soup Kitchens Ideal accounts are nonprofit or mission-driven organizations that primarily distribute prepared or packaged food to clients, run on-site meal programs, or operate small delivery routes. Typical placements are single-site or small multi-site operations with volunteer staff and limited commercial food manufacturing. Larger commercial processors, for-profit restaurants with full retail operations, and large regional distributors typically fall outside this program’s appetite. Coverage Highlights and Advantages Package policies combining property and liability limits tailored to nonprofit food operations. General Liability and optional Professional Liability to cover food handling and service exposures. Endorsements and enhancements that add Volunteers and Independent Contractors as Insureds — important for volunteer-heavy operations. Optional Key Employee Replacement endorsement to help cover temporary staffing costs after sudden loss of a key manager. Optional Extended Coverage Endorsement with Blanket Additional Insured — useful for shared-space landlords or program partners. Umbrella limits available for higher liability protection (subject to underwriting). Property coverage for buildings, contents, equipment, and refrigeration units. Auto coverage available for delivery and mobile distribution vehicles (some restrictions apply). Abuse & Molestation coverage available where applicable and appropriate underwriting criteria are met. Underwriting Notes and Minimum Premiums Carriers: varies by risk and state; AFC Insurance places with admitted and non-admitted markets as appropriate. Minimum premium: varies by carrier and territory; provide account details to receive accurate pricing. Common submission requirements: completed application (ACORD or program supplement), current loss runs, description of operations including volunteer counts and delivery activity, property values and fire protection details, and vehicle schedules if auto is needed. Auto restrictions: personal-use vehicles or high-risk drivers may limit auto offerings; disclose delivery practices and driver screening procedures. Food handling exposures: note any on-site cooking, catering or hot-food service, refrigeration integrity and food safety programs — these affect appetite and pricing. Territories and Availability The program is available in most states (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). Placement options include admitted and non-admitted markets depending on the state and risk profile. Why Work with AFC Insurance Inc. Program administrator experienced in Health & Human Services niches and nonprofit exposures. Flexible underwriting to accommodate volunteer programs and small delivery fleets. Access to multiple carrier markets to match coverage needs and budget. Optional endorsements that address real-world operational gaps (volunteers, key employee replacement, umbrella limits). Support for agents who need a market that understands community food operations and can respond to nonstandard exposures. Example Accounts That Fit Well A suburban nonprofit food bank that operates weekday meal services, uses volunteers to prepare and serve meals, and runs a small van for local deliveries — needs general liability, property, volunteer coverage, and limited auto. An urban soup kitchen with on-site refrigeration, donated food handling, and multiple volunteer shifts — needs property coverage for refrigeration equipment, abuse & molestation consideration for volunteer interactions, and optional umbrella limits for additional liability protection. Frequently Asked Questions What types of accounts are a good fit for AFC’s Food Banks/Soup Kitchens program?Nonprofit and community food distribution operations such as food banks, soup kitchens, nutrition centers, kosher food banks, and similar programs that rely on volunteers and have limited commercial food manufacturing are a good fit. Does the program provide coverage for volunteers and independent contractors?Yes. The program offers endorsements that include Volunteers and Independent Contractors as Insureds to help address exposures created by volunteer-driven operations. Are auto and delivery operations covered?Auto coverage is available but may have restrictions. Underwriters will review delivery practices, vehicle schedules, and driver screening before offering auto protection. Which states is this program available in and is it admitted?The program is available in most states (see territory list above). AFC places business in admitted and non-admitted markets as appropriate for the risk and state regulations. Need help placing an account? Connect with a market specialist.