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...o help agents place Food Banks and Soup Kitchens. The Food Banks/Soup Kitchens Insurance program is built fo...bution operations such as food banks, soup kitchens, nutrition centers, kosher food b...

Agencies for the Aging Insurance Program is only getting better with age! Offered by AFC Insurance Inc., this specialized solution is part of our broader Social Services Insurance portfolio. The Agencies for the Aging program is thoughtfully designed to meet the distinct risks and operational needs of organizations that provide essential services to older adults. Whether your clients run Senior Centers, Adult Day Care Centers, or Meals on Wheels programs, this program helps you deliver tailored coverage for their exposures. Ideal Accounts and Appetite We have a strong appetite for a wide range of senior-focused community service organizations. Eligible classes include: Agencies for the Aging Senior Centers and Senior Services Adult Day Care Centers Food Banks Meals on Wheels Providers Guardianship and Referral Agencies for Aged Citizens This program is an excellent fit for agents working with nonprofit or mission-driven organizations that support elderly populations. For example, you might have a client operating a local senior day center with part-time volunteers and meal distribution—this program is built for them. Coverage Highlights and Advantages We offer a comprehensive package with flexible coverages tailored to the needs of aging service providers. Available coverages include: General & Professional Liability Property and Umbrella Coverage Coverage Endorsements with built-in enhancements Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Auto Liability (restrictions apply if community transportation is provided) Abuse & Molestation Coverage These coverages are designed to protect your clients from the unique liability and professional risks associated with senior care and service operations. Underwriting Notes and Minimum Premiums While minimum premiums vary depending on the risk profile, our underwriting team is experienced in evaluating aging service organizations and can work with you to structure suitable coverage. Please note that we cannot offer Auto coverage for risks that involve community transportation services. Territories and Availability This program is available on an admitted basis in most states. We currently offer coverage in 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.? AFC Insurance Inc. is a trusted Program Administrator with deep experience in the social services sector. Our focus on niche programs like Agencies for the Aging allows us to offer agents and brokers tailored solutions, responsive underwriting, and access to competitive carriers. We understand the risk landscape of community-based aging services and can help you place hard-to-insure or unique accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include senior centers, adult day care facilities, Meals on Wheels programs, food banks, and guardianship agencies serving older adults. Can I get Auto coverage for a client that provides transportation?Auto coverage is available; however, we cannot provide it if the insured offers community transportation services. Is this program admitted or non-admitted?The program is admitted in most available states, offering added stability and compliance for your clients. What are the key coverages included?The program includes General and Professional Liability, Property, Umbrella, Abuse & Molestation, and optional endorsements for volunteers, key employees, and additional insureds. Which states is the program available in?The program is available in most states, including CA, TX, NY, FL, IL, and many others. Please consult the full state list above for availability. 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.

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.

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.