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AFC Insurance Inc. offers a specialized Health & Human Services Program designed to meet the unique insurance needs of Mentoring Programs. These programs foster positive, goal-oriented relationships between students and professional adult mentors. AFC understands the risks and responsibilities involved in these services and provides tailored insurance solutions to help protect both the organizations and the individuals they serve. This program is ideal for non-residential mentoring programs—overnight operations are not eligible. All participating staff and volunteers must undergo employment background checks to qualify. AFC’s underwriting team is experienced in evaluating human service risks and works closely with agents to deliver responsive and effective coverage options. Ideal Accounts and Appetite AFC is looking to partner with agents who have clients operating educational or social development programs that include mentorship as a core component. Eligible classes include: Education Programs GED Preparation Programs Literacy and Reading Assistance Programs These programs must focus on structured, daytime mentoring services and may include both volunteers and paid staff. Organizations that emphasize youth development, academic support, or life skills training are typically a strong fit. If you have a client running a community-based youth tutoring program or a nonprofit offering career mentoring for at-risk teens, this program may be an excellent placement opportunity. Coverage Highlights and Advantages AFC’s Mentoring Programs Insurance offers broad, flexible coverage to address the real-world exposures these organizations face. 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 Insureds Commercial Umbrella Property Coverage Commercial Auto (with restrictions) Abuse & Molestation Coverage These coverages are designed to protect the organization and its people—especially in areas where liability can be high due to working with minors or vulnerable populations. Underwriting Notes and Minimum Premiums AFC requires thorough employment background checks for all staff and volunteers involved in mentoring activities. Overnight or residential mentoring programs are not eligible under this offering. Minimum premiums vary depending on risk characteristics, size of the organization, and selected coverages. AFC’s underwriting team works with agents to evaluate each submission on its individual merits. Territories and Availability This program is available in most states on an admitted basis. Current availability includes but is not limited to AL, AZ, CA, CO, FL, GA, IL, IN, MA, MI, NC, NJ, NY, OH, PA, TX, VA, and WA, among others. If you’re unsure whether your state is eligible, AFC welcomes submissions for review. Why Work With AFC Insurance Inc.? As a dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in Health & Human Services insurance. Their focus on niche programs like mentoring services allows them to offer tailored underwriting, flexible endorsements, and responsive service. With access to multiple carriers and a broad appetite across most states, AFC is a reliable partner for agents seeking dependable markets for their nonprofit and educational clients. Frequently Asked Questions What types of accounts are a good fit for this mentoring program insurance?Ideal accounts include non-residential mentoring programs such as youth literacy initiatives, GED tutoring services, and adult-to-youth career mentoring programs that operate during the day and require background checks for all staff and volunteers. Are overnight or residential mentoring programs eligible?No, this program is for non-residential mentoring services only. Overnight or residential risks are not eligible under AFC’s current underwriting guidelines. What coverage options are available through this program?Available coverages include General and Professional Liability, Property, Auto (restrictions apply), Umbrella, Abuse & Molestation, and optional endorsements for key employee replacement and additional insureds. Is this program available in all states?The program is available in most states, including CA, TX, NY, FL, and others. Agents should check with AFC for availability in specific states. Do volunteers and independent contractors receive coverage?Yes, endorsements are available to include volunteers and independent contractors as insureds, helping protect everyone involved in the mentoring operation. Need help placing an account? Connect with a market specialist.

After School Programs Insurance is a key component of AFC Insurance Inc.'s Health & Human Services Program. Designed specifically for the unique needs of after school programs and related organizations, this specialty insurance solution helps agents and brokers place coverage for a wide range of youth-focused services. Whether you're working with tutoring centers, recreation facilities, or mentoring programs, AFC offers comprehensive protection tailored to your clients' real-world exposures. Ideal Accounts and Appetite This program is built for professional after school programs and similar organizations serving children and adolescents in structured, supervised environments. Eligible classes include: After School Programs Anti-Bullying Programs Tutoring Centers Recreational Activities Homework Help Programs Mentoring Services Boys and Girls Clubs (excluding overnight stays) Programs must operate with proper supervision and risk management protocols. Overnight programs, residential care, or operations with high-risk activities may fall outside the standard appetite but can be reviewed on a case-by-case basis. Coverage Highlights and Advantages AFC's After School Programs Insurance offers broad and flexible coverage options to address the liability exposures these organizations face. Available coverages include: Package Policies General Liability & Professional Liability Endorsements and Enhancements Including: Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Optional Extended Coverage with Blanket Additional Insureds Umbrella Liability Property Coverage Auto Coverage (restrictions may apply) Abuse & Molestation Coverage This robust coverage lineup helps your clients address risks ranging from premises liability and professional negligence to more sensitive exposures like abuse allegations—critical in today's litigious environment. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size and scope of the operation as well as risk factors such as staffing, location, and services provided. AFC works closely with appointed agents to assess each submission and deliver competitive solutions. Be prepared to provide detailed operational and risk management information for a faster quote turnaround. Territories and Availability This program is available in most states, including but not limited to CA, TX, NY, FL, IL, PA, and GA. AFC offers coverage on an admitted basis in most of these states, helping your clients meet compliance and regulatory requirements where applicable. Why Work With AFC Insurance Inc. As a program administrator with expertise in the Health & Human Services sector, AFC Insurance Inc. understands the operational and liability challenges faced by youth-serving organizations. With access to multiple carriers and a flexible underwriting approach, AFC helps agents place difficult or niche accounts that require specialized coverage. You'll benefit from responsive service, knowledgeable underwriters, and a market that's truly built for the needs of after school program providers. If you have a client running a tutoring center with part-time staff and volunteer mentors, or a Boys and Girls Club offering daily recreational and educational activities, this program may be the perfect fit. AFC makes it easy for you to provide them with tailored, dependable coverage. Frequently Asked Questions What types of accounts are a good fit for this program? Ideal accounts include after school programs, tutoring centers, recreational programs, mentoring services, and Boys and Girls Clubs that do not offer overnight stays. Is Abuse & Molestation coverage included? Yes, Abuse & Molestation coverage is available as part of the program and can be tailored to each account's needs. Do you cover volunteers and independent contractors? Yes, the program offers endorsements that include volunteers and independent contractors as insureds, enhancing protection for your client's workforce. Are these policies admitted or non-admitted? The program is offered on an admitted basis in most available states, providing a smoother process for compliance and policy management. What is the submission process like? You'll need to provide detailed information about the operation, including services offered, staffing, supervision protocols, and risk management practices. AFC's underwriters work closely with agents to ensure a smooth quoting process. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized insurance solution through its Health & Human Services division: the Special Schools Insurance Program. This program is designed specifically for institutions serving students with developmental disabilities, mental handicaps, behavioral challenges, or sensory impairments such as deafness or blindness. Whether your client operates a private school for children with autism or a nonprofit educational facility for students with severe learning disabilities, AFC provides tailored coverage to meet the unique risks these organizations face. Ideal Accounts and Appetite This program is ideal for schools and facilities that focus on: Developmentally disabled students Mental retardation or mental handicaps Autism spectrum disorders Severe learning disabilities Behavioral and emotional challenges Deaf or blind students You can place business for both nonprofit and for-profit entities, including independent special education schools, day programs, and therapeutic learning centers. Typical accounts include facilities with a structured curriculum and licensed staff trained to address special needs education. Coverage Highlights and Advantages AFC's Special Schools Insurance Program includes a broad array of coverages designed to protect against the complex exposures these organizations face. Available coverages include: Package policies General Liability and Professional Liability Umbrella and Excess coverage Property insurance Commercial Auto (restrictions may apply) Abuse and Molestation coverage Coverage extensions and endorsements, such as: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds This comprehensive package allows agents and brokers to offer meaningful protection to schools that face both educational and clinical exposures in their daily operations. Underwriting Notes and Minimum Premiums Minimum premiums vary based on account size, location, and scope of services. While appetite is broad, underwriters will assess factors such as staff licensing, incident history, student-to-staff ratios, and the types of services provided. Accounts with strong risk management protocols and established safety training will typically align well with program guidelines. Territories and Availability This program is available in most states on an admitted basis, including but not limited to CA, FL, TX, NY, IL, and PA. AFC currently offers this product in over 45 states, giving you nationwide access with flexible options to place your clients efficiently. Why Work With AFC Insurance Inc. As a dedicated Program Administrator, AFC Insurance Inc. brings deep industry knowledge and a focused underwriting approach to the educational and human services space. With access to a variety of carriers and a commitment to responsive service, AFC is well-positioned to help agents and brokers place hard-to-insure educational risks. The Special Schools Insurance Program is backed by markets that understand the nuances of teaching and caring for students with special needs, providing peace of mind for your clients and confidence for your agency. Frequently Asked Questions What types of accounts are a good fit for this program?Special education schools, therapeutic day programs, and nonprofit learning centers that serve developmentally disabled, autistic, or behaviorally challenged students are ideal fits. Is abuse and molestation coverage included in this program?Yes, abuse and molestation coverage is available and can be included as part of the package, subject to underwriting review. Do you cover both for-profit and nonprofit organizations?Yes, the program can accommodate both for-profit and nonprofit special schools, depending on underwriting guidelines and risk profile. Are independent contractors and volunteers covered?Yes, coverage extensions are available to include volunteers and independent contractors as insureds under the policy. What states is this program available in?The program is available in most states, including CA, TX, FL, NY, and over 40 others. Admitted coverage is available in many of these states. Need help placing an account? Connect with a market specialist.

Working with nonprofits and Social Services organizations comes with a unique set of risks. These accounts often appear simple due to their charitable nature, but in reality, they are complex, requiring deep industry knowledge and specialized insurance solutions. At NIF Group Inc., we understand the intricacies of the nonprofit and Social Services sector. Our dedicated Social Services Insurance program is designed to support agents and brokers who serve this sector. With our underwriting expertise and flexible product offerings, we help you deliver tailored, comprehensive protection for your clients—whether they are running a foster care facility, community outreach program, or mental health center. Ideal Accounts and Target Classes Our program is built for a wide range of social service and nonprofit organizations. We work with over 25 target classes, including but not limited to: • Back to Work Programs • Foster Care and Adoption Services • Goodwill Organizations • Mental Health and Counseling Facilities • Food Banks and Soup Kitchens • Halfway Houses • Homeless and Transitional Shelters • Battered Women’s Facilities • Youth and Teen Centers • Boys & Girls Clubs • Head Start and School Readiness Programs • Facilities for the Developmentally Disabled • Community Foundations and Outreach Programs If you have a client operating a behavioral health center that employs licensed professionals or a nonprofit coordinating volunteers for food distribution, we can help tailor coverage for their specific risks. Coverage Highlights and Advantages Our Social Services Insurance program offers a broad portfolio of base coverages, with the ability to expand based on client needs. Coverage options include: • General Liability • Professional Liability • Health Care Liability • Property Insurance • Auto Insurance • Crime Insurance • Umbrella Liability • Machinery and Boiler Insurance Optional Coverages Include: • Sexual and Physical Misconduct Liability • Employee Benefits Liability • Nonprofit Directors & Officers (D&O) Liability • Employment Practices Liability • Equipment Breakdown Our flexible underwriting approach allows for coverage of volunteers, independent contractors, medical professionals, and others directly involved with your client’s operations. Underwriting Notes and Minimum Premiums We offer personalized underwriting and can accommodate a wide variety of social service operations. Minimum premiums vary depending on the size, scope, and risk profile of the organization, but we strive to provide competitive pricing paired with comprehensive coverage. Territories and Availability Our program is available in all 50 states including the District of Columbia. No matter where your client operates, from California to New York, we can help you secure appropriate coverage. Why Work With NIF Group Inc.? As a seasoned Program Administrator, NIF Group Inc. brings deep expertise and market access to the nonprofit and social services space. We partner with top-rated carrier Liberty Mutual Insurance to provide agents with access to dependable, broad-ranging coverage. Our team is committed to delivering responsive service, expert guidance, and flexible solutions that evolve with your clients’ changing needs. Whether your client is launching a new facility or expanding community outreach services, our program is designed to support their mission—and your success. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofits and social service organizations such as foster care agencies, homeless shelters, food banks, and mental health centers. Can volunteers and independent contractors be covered under this program?Yes, the program offers flexibility to include volunteers, medical professionals, and independent contractors involved in your client’s operations. Is this program available nationwide?Yes, coverage is available in all 50 states and the District of Columbia. Are additional coverages like D&O or EPLI available?Yes, optional coverages such as Nonprofit Directors & Officers Liability and Employment Practices Liability can be added to the policy. Who underwrites the policies for this program?NIF Group Inc. administers the program in partnership with Liberty Mutual Insurance. Need help placing an account? Connect with a market specialist.