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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 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.