https://completemarkets.com/company/afcins/not-for-profit-housing-facilities-insurance/
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.