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Specialized Insurance for Mentally Retarded/Mentally Handicapped Services AFC Insurance Inc. administers a Health & Human Services program tailored for organizations that provide structured care and support to individuals with intellectual and developmental disabilities. The program is designed to help agents place liability and property coverages that reflect the operational realities of group homes, day programs, sheltered workshops, and similar providers. Ideal Accounts and Target Classes This program fits a wide range of human service providers. Target classes include: Mentally Retarded / Mentally Handicapped Services Residential facilities and group homes Day treatment and day habilitation programs Sheltered workshops and work activity centers Community residences and supported living Mental health care and outpatient services for the developmentally disabled If you represent clients who run structured support programs, vocational training, or residential care for people with intellectual and developmental disabilities, AFC’s program gives you markets and underwriting tailored to that exposure. Coverage Highlights and Advantages The program addresses the core exposures these organizations face, including professional liability, general liability, abuse & molestation, and property coverage. Coverage features and advantages include: Policy forms and limits appropriate to direct-care and residential operations Abuse & molestation wording available to match agency risk Flexible underwriting for mixed operations (residential + day services) Access to multiple carrier partners to find a market fit for unusual or complex risks Underwriting Notes and Minimum Premiums Underwriting is handled on a case-by-case basis. AFC evaluates the program type, staffing levels, documented training, behavior management protocols, and prior claims history when matching accounts to carriers. Accounts with written risk-management policies, ongoing staff training, and incident reporting procedures are preferred. Minimum premiums and retentions vary by carrier, state, and class. Speak with an AFC market specialist to confirm current minimums for a specific account. Appetite and Typical Restrictions Best-fit accounts are stable operations with formalized policies and experienced staff. Accounts that may be declined or require special handling include facilities with severe abuse history, unmanaged behavioral programs, or facilities operating outside usual licensing/inspection standards. For complex or higher-risk submissions, provide detailed incident reports, staff qualifications, and copies of care protocols to expedite placement. Territories and Availability This program is available on an admitted basis in most states, providing underwriting familiarity and regulatory stability. AFC currently offers the program 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 Work With AFC Insurance Inc.? AFC is a program administrator focused on health and human services. Agents benefit from AFC’s niche underwriting expertise, established carrier relationships, and practical approach to placing care-oriented operations. AFC can help you structure submissions, identify suitable carriers, and place accounts ranging from a single group home to multi-site day program networks. Typical scenarios you can place through this program: A three-location group home operator with documented staff training and incident reporting seeking combined GL, professional liability, and property coverage on an admitted form. A day habilitation and sheltered workshop program offering vocational training that needs abuse & molestation coverage alongside professional liability limits tailored to client exposures. Whether the account’s need is admitted placement, specialty abuse coverage, or flexible limits for mixed operations, AFC can work with you to find appropriate carrier capacity. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for organizations that provide services to mentally retarded or developmentally disabled individuals, including group homes, sheltered workshops, day treatment centers, and outpatient providers. Is this program available in all states?The program is available in most U.S. states. Review the listed states or contact AFC Insurance Inc. to confirm availability for your client's location. What coverages are included in the program?Typical coverage includes general liability, professional liability, abuse and molestation coverage, and property insurance structured for human service providers. What information is needed to get a quote?Provide details about the facility’s services, number of residents or clients, staffing ratios, training programs, licensing, and any prior insurance history or claims to speed quoting. Who underwrites this program?AFC Insurance Inc. administers the program and works with multiple carriers to match accounts with the appropriate market. 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.

Parent Outreach Insurance is a targeted offering from AFC Insurance Inc.’s Health & Human Services program. Built for organizations that deliver parenting education, support, and outreach, this program helps agents and brokers place tailored coverage for clients running workshops, coordinating parent support groups, or providing peer-to-peer and one-on-one counseling. The package is designed to address both operational exposures and professional liability unique to parent outreach services. Ideal Accounts and Appetite This program is best suited for nonprofit and community-based organizations focused on strengthening family and parent-child relationships. Eligible classes commonly include: Parent outreach and engagement programs Structured parenting workshops and classes Peer-to-peer and group-based counseling services If your client provides structured parenting education, community-based family support, or volunteer-led outreach, Parent Outreach Insurance with AFC can be a good placement option. Coverage Highlights and Advantages AFC Insurance Inc. assembles a practical package of coverages to address common risks faced by parent outreach organizations. Available coverages and endorsements include: Package policy options that combine multiple lines General liability and professional liability for counseling/mentoring exposures Property and commercial auto (subject to restrictions) Umbrella liability for higher aggregate limits Abuse & molestation coverage (subject to underwriting) Volunteers and independent contractors can be included as insureds Optional endorsements: Key Employee Replacement; Extended Coverage with Blanket Additional Insured These elements help protect against claims related to counseling and instruction, third-party injury, volunteer exposure, and damage to program facilities or rented space. Underwriting Notes and Minimum Premiums AFC takes a flexible, programmatic underwriting approach and evaluates submissions on a case-by-case basis. Common underwriting considerations include participant age ranges, whether transportation is provided, supervision ratios for group activities, and whether work occurs in high-exposure settings. Minimum premiums vary by state, account size, and exposures. AFC reviews each submission to determine appropriate pricing and any state-specific requirements. Territories and Availability The Parent Outreach Insurance program is available in most states, with admitted paper offered in many jurisdictions depending on risk characteristics. Availability includes (but is not limited to): 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 will typically be on an admitted basis where applicable; non-admitted options may be available depending on the carrier and state. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a specialized program administrator with focused expertise in Health & Human Services lines. Agents and brokers benefit from: Underwriting teams familiar with nonprofit and community-based program risks Access to tailored endorsements that address volunteer, counseling, and child/family exposures Responsive service and flexibility for multi-site or growing organizations Example fits: You might have a small nonprofit that runs weekly parenting classes at community centers and uses volunteers to co-facilitate—this program can provide GL, professional liability, and volunteer coverage. Or you may place a mid-sized agency that offers peer counseling and occasional off-site events and needs abuse & molestation coverage plus umbrella limits. Frequently Asked Questions What types of accounts are a good fit for this program? Nonprofit and community-based organizations that offer parenting workshops, peer-to-peer counseling, and other structured parent outreach services are ideal candidates. What coverages are included in the Parent Outreach Insurance program? The program offers General and Professional Liability, Property, Umbrella, Auto (with restrictions), and endorsements such as Abuse & Molestation and Key Employee Replacement. Are volunteers and independent contractors covered? Yes. Volunteers and independent contractors can be added as insureds through specific endorsements included in the program. Is this program available in all states? The program is offered in most states (over 45) and Washington, DC. Availability and admitted status depend on state rules and the individual risk profile. What is the minimum premium for this program? Minimum premiums vary based on the organization’s size, services, and location. AFC evaluates each submission to determine appropriate pricing. 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.

AFC Insurance Inc. offers a specialized Respite Care Insurance program under its Health & Human Services division, designed to support agents and brokers placing coverage for organizations serving vulnerable populations. Respite care services provide temporary relief to primary caregivers of elderly, ill, or developmentally disabled individuals—an essential yet often overlooked part of the care continuum. These services come with unique liability exposures and operational risks that require tailored insurance solutions. Ideal Accounts and Eligible Classes: This program is ideal for insureds offering temporary care or support services to individuals with developmental disabilities, chronic illness, or other special needs. It is structured to accommodate a wide range of organizations, including: Camps (Special Needs, Adventure, or Licensed Summer Camps for the Developmentally Disabled) Respite Care Facilities and Day Programs Hospice Organizations Traumatic Brain Injury (TBI) Programs Organizations operating under ARCs (Associations for Retarded Citizens) Services providing relief for long-term caretakers Whether your client runs a licensed summer program for developmentally disabled youth or operates a respite day facility for seniors with dementia, this program can provide the necessary coverage framework. Coverage Highlights and Advantages: This program offers a comprehensive package of coverages to address the multifaceted risks associated with respite care services, including: General and Professional Liability Package Policies Umbrella Coverage Property and Auto (some restrictions may apply) Abuse & Molestation Coverage Coverage Enhancements including: Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These comprehensive options ensure that your clients are protected against the full spectrum of liability and operational risks inherent in their field. Underwriting Considerations and Minimum Premiums: Minimum premiums vary depending on the size, scope, and nature of the risk. AFC Insurance Inc. evaluates each submission carefully and works closely with agents to identify the best coverage options. Accounts should demonstrate appropriate licensure, staff training, and risk management protocols to be considered. Territories and Availability: This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and WA. See the full list of eligible states for your client placements: 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 dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in the health and human services sector. With flexible underwriting, access to multiple carrier partners, and a focus on specialized care environments, AFC is an excellent partner for agents placing respite care and related accounts. You’ll benefit from responsive service, knowledgeable underwriters, and a program built to adapt to the evolving needs of care providers. You might have a client running a summer adventure camp for developmentally disabled teens or a nonprofit offering day respite services for Alzheimer’s patients—this program is built to meet their insurance needs with tailored coverages and risk-focused underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for respite care providers, developmental disability camps, hospice services, TBI programs, ARCs, and nonprofit organizations offering temporary relief to primary caregivers. What coverages are included in the Respite Care Insurance program?The program includes General and Professional Liability, Umbrella, Property, Auto (with some restrictions), Abuse & Molestation, and optional endorsements such as Key Employee Replacement and Blanket Additional Insureds. Is this program available on an admitted basis?Yes, the program is available on an admitted basis in most states where it is offered. Availability may vary depending on the specific risk and location. What is the minimum premium for this program?Minimum premiums vary depending on the size and type of risk. AFC Insurance Inc. evaluates each submission individually to determine appropriate pricing. Which states is this Respite Care Insurance program available in?The program is available in most states, including CA, TX, NY, FL, IL, and more. Please refer to the full list of covered states for complete availability. 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.

Home Medical Equipment Dealers Insurance from AFC Insurance Inc. AFC Insurance Inc. offers a focused Home Medical Equipment Dealers Insurance program through its Health & Human Services (H&HS) platform. This program is built for agents placing durable medical equipment (DME) dealers — businesses that sell, rent, deliver, install, or service mobility and respiratory equipment for patients receiving care at home. Ideal Accounts and Appetite This program targets Home Medical Equipment Dealers and DME providers of varying sizes. Typical fits include storefront retailers, regional suppliers with delivery fleets, and independent dealers who service home-bound or elderly patients. Good-fit examples: A regional DME supplier with multiple retail locations, delivery drivers, and in-house repair techs. An independent dealer that sells mobility aids and provides home delivery, setup, and periodic maintenance for elderly clients. A small rental-focused company supplying hospital beds and oxygen concentrators to hospice or home health patients. Operations that typically do not fit under the broader H&HS program include Assisted Living Facilities, Birthing Centers, Correctional Facilities, Psychiatric Hospitals, and Adoption Agencies that represent more than 25% of operations. Review the full ineligibility list before submission. Coverage Highlights and Advantages AFC's program offers broad liability and property solutions tailored to the exposures common in the DME industry. Key coverages and options include: General Liability and Professional Liability designed for product sales, rentals, and service work Package policies that can include Property and Auto (subject to carrier restrictions) Umbrella Liability options for excess protection Abuse & Molestation coverage where applicable Endorsements and enhancements such as: Volunteers & Independent Contractors treated as insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Underwriting Notes and Minimum Premiums Underwriting evaluates account size, revenue composition (sales vs. rental vs. service), fleet exposure, and loss history. Minimum premiums vary by carrier, state, and risk characteristics; AFC works with multiple markets to provide competitive terms and flexible retentions for appropriate risks. Prepare submissions with details on revenue by class, vehicle schedules, employees performing installations, and any service protocols to speed review. Territories and Availability The 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. Coverage is admitted in most available states, providing agents access to admitted paper where required. Why Work With AFC Insurance Inc.? As a Program Administrator focused on Health & Human Services niches, AFC combines underwriting expertise with access to multiple carrier partners. Agents receive market-specific guidance, flexible endorsements tailored to DME exposures, and responsive submission support to place complex accounts. If you have clients in the DME space who need admitted capacity, tailored liability forms, or package solutions that include property and auto, AFC is positioned to help you place and service that business. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that sell, rent, or service durable medical equipment — including storefront retailers, companies that deliver and install equipment at patients' homes, and rental-focused suppliers — are ideal. Mobility equipment dealers, oxygen suppliers, and in-home device vendors are common examples. Are there any operations that are not eligible?Yes. Ineligible operations under the H&HS platform include Assisted Living Facilities, Birthing Centers, Psychiatric Hospitals, Correctional Facilities, and Adoption Agencies when they represent more than 25% of operations, among others. Confirm eligibility before submitting. What coverages are included in the Home Medical Equipment Dealers Insurance program?The program offers General and Professional Liability, package policies that may include Property and Auto (with carrier restrictions), Umbrella options, Abuse & Molestation coverages where applicable, and optional endorsements like Key Employee Replacement and Blanket Additional Insured. Is this program admitted or non-admitted?This program is admitted in most available states, giving agents access to admitted capacity for clients in jurisdictions where admitted paper is preferred or required. Which states is this program available in?The program is available in most U.S. states, including major markets such as CA, FL, TX, and NY. Refer to the full state list in the program details for availability by state. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized Health & Human Services Program that includes tailored Community Social Services Insurance solutions. Designed to meet the unique risk management needs of nonprofits and professional organizations serving vulnerable populations, this program provides comprehensive protection for a wide range of community-focused entities. Ideal Accounts and Appetite This program is well-suited for agents working with nonprofit and community-based organizations. Eligible classes include: Social & Individual Community Welfare Programs Mother & Child Services WIC (Women, Infants, and Children) Programs Welfare-to-Work Programs Soup Kitchens Meals on Wheels and similar services Ineligible risks include operations with a political focus or affiliation. Coverage Highlights and Advantages The Community Social Services Insurance program through AFC Insurance Inc. includes a broad array of coverages and enhancement options to address the evolving exposures of human services organizations: Package Policies General Liability & Professional Liability Volunteers and Independent Contractors included as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Umbrella and Excess Liability Property and Auto Coverage (with some restrictions) Abuse & Molestation Coverage These coverages are specially designed to address the unique staffing models, facility needs, and client interaction risks that social service organizations face daily. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the class of business, size, and location of the risk. AFC Insurance Inc. offers flexible underwriting with a focus on the distinct needs of community service providers. Agents can expect a responsive underwriting process tailored to the nonprofit and human services sector. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, PA, and WA. Coverage is written on an admitted basis in most available states, providing added peace of mind for your clients and efficiency in placement for your agency. Why Work With AFC Insurance Inc. As a Program Administrator with extensive experience in the human services sector, AFC Insurance Inc. brings valuable expertise and market access to the table. Whether you're placing a standalone soup kitchen or a multi-location community welfare organization, AFC is equipped to help you secure comprehensive coverage with competitive terms. You might have a client running a local Meals on Wheels program with volunteers and part-time staff—or a nonprofit offering prenatal care and child support services. These are exactly the types of accounts AFC’s program is built to support. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for community-based nonprofits such as soup kitchens, Meals on Wheels, WIC programs, and welfare-to-work initiatives. Are volunteers and contractors covered under this policy?Yes, the program includes coverage endorsements that recognize volunteers and independent contractors as insureds. Is this program available in all 50 states?No, but it is available in most states. Key markets include CA, TX, FL, NY, IL, PA, and WA, among others. Can I get coverage for abuse and molestation exposures?Yes, Abuse & Molestation coverage is available as part of the program, subject to underwriting approval. What risks are specifically excluded from eligibility?Risks with a political component or affiliation are not eligible for this program. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a comprehensive Fundraising Organizations Insurance Program as part of its Health & Human Services suite. Designed specifically for non-political fundraising entities, this program provides essential protection for organizations that raise money for charitable, community, or health-related causes. Whether your client is a cancer fundraiser, a private company organizing donation drives, or a group raising funds on behalf of another organization, AFC’s program is tailored to address their unique exposures. Ideal Accounts and Appetite This program is built for professional fundraising organizations and private entities dedicated to charitable work. Eligible classes include: Fundraising organizations Cancer-related fundraising groups Private fundraising companies Organizations raising money for nonprofits or social causes Note: Political fundraising activities are not eligible under this program. Coverage Highlights and Advantages AFC’s program delivers a robust set of coverages to help protect your insureds from the wide range of liabilities that fundraising entities face. Available coverages include: Package Policies General & Professional Liability Coverage Endorsements & Enhancements Volunteers & Independent Contractors included as insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Umbrella Liability Property Coverage Auto Coverage (some restrictions may apply) Abuse & Molestation Coverage This breadth of coverage helps ensure your clients are protected across a variety of operational risks, from volunteer-related incidents to property damage or liability claims. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and selected coverages. AFC works with a range of carriers to provide competitive options and will evaluate each submission based on class, operations, and loss history. Including optional endorsements can enhance protection and should be considered based on the client’s needs. Territories and Availability The Fundraising Organizations Insurance Program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. AFC Insurance Inc. offers admitted solutions in many of these states, providing a stable and compliant market for your clients. Why Work With AFC Insurance Inc.? As a specialized Program Administrator, AFC has established expertise in the Health & Human Services sector. Their underwriting team understands the specific risks associated with nonprofit fundraising and offers tailored coverage solutions backed by reputable carriers. You can expect responsive service, flexible underwriting, and a program designed to help you place challenging but important accounts. For example, you may have a client organizing year-round fundraising events for cancer awareness or a company that manages donation campaigns on behalf of multiple nonprofits. These are ideal fits for AFC’s program. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional fundraising organizations, cancer-related fundraisers, and private companies that raise money for charitable causes. Political fundraising is not eligible. Is volunteer coverage included?Yes, volunteers and independent contractors can be included as insureds through coverage endorsements. Are there any optional endorsements available?Yes, optional endorsements include Key Employee Replacement and Extended Coverage with Blanket Additional Insured. What states is this program available in?The program is available in most states across the U.S., including CA, TX, NY, FL, and others. What types of coverage are included?Coverage options include General & Professional Liability, Property, Umbrella, Auto (some restrictions), Abuse & Molestation, and more. Need help placing an account? Connect with a market specialist.