Search CompleteMarkets

...ns that support individuals with cerebral palsy. Through our Cerebral Palsy Centers Insurance program, we ...ilities that serve individuals with cerebral palsy. Both non-profit and for-profit or...

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.

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.

Homeless Shelters Insurance is a dedicated program offered by AFC Insurance Inc. within our Health & Human Services suite. Built for agents and brokers who place nonprofit and social service accounts, this program provides specialized liability and property solutions for organizations operating homeless shelters, transitional housing, and closely related services. AFC Insurance Inc. understands the distinct exposures shelters face when serving vulnerable populations. Whether your client operates single-gender housing, family shelters, youth programs, or structured transitional living with on-site social services, this program is underwritten to address those risks and help protect the organization, staff, volunteers, and participants. Ideal Accounts and Appetite This program is a strong fit for professionally managed operations, including: Homeless Shelter Programs Transitional Programs for the Homeless Men-only or Women-only Housing Programs Family Shelters People In Need (PIN) Programs Kids In Need (KIN) Programs We do not currently write coverage for drop-in shelters. Example fits for placement: A nonprofit that operates an overnight family shelter with case management and meal services seeking combined general and professional liability. A transitional living facility that provides structured housing plus on-site social services and needs abuse & molestation coverage and volunteer endorsements. If you have a client running a structured residential program with documented policies and on-site staff, this program is likely a good option. Coverage Highlights and Advantages AFC’s Homeless Shelters Insurance program combines package flexibility with specific endorsements to address shelter exposures: Package policy options combining General Liability and Professional Liability Endorsements to include volunteers and independent contractors as insureds Optional key employee replacement endorsement Optional extended coverage with blanket additional insured Umbrella/Excess capacity Property and auto coverage (subject to underwriting restrictions) Abuse & molestation coverage for high-severity exposures involving vulnerable populations These coverages help manage risks such as staff and volunteer liability, client allegations, building and contents damage, and transportation exposures when staff or clients are transported. Underwriting Notes and Minimum Premiums Underwriting evaluates each account based on size, services provided, population served, program structure, loss history, and location. Minimum premium requirements vary by state and account characteristics; AFC’s underwriting team offers flexible options and can tailor coverage enhancements where appropriate. Be prepared to provide program policies, staff training procedures, volunteer screening protocols, and details on transportation and supervisory practices at submission. Territories and Availability This program is available in most states. Representative territories include CA, TX, FL, NY, IL, PA, and WA. A full list of eligible 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, and WY. AFC places coverage with a variety of carriers (admitted in most states) depending on the risk. Why Work With AFC Insurance Inc.? As a Program Administrator focused on Health & Human Services, AFC provides targeted solutions for nonprofit and social service exposures. We combine program-level expertise with access to multiple carrier partners and responsive underwriting to help you place accounts that may be difficult to place in standard markets. AFC’s team understands regulatory and operational complexities common to shelters and works with agents to structure appropriate limits and endorsements. To learn more about our full capabilities, visit the AFC Insurance Inc. company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Professionally managed homeless shelters, transitional housing programs, and nonprofits serving men, women, families, or children with structured services and documented policies are a strong fit. Are drop-in shelters eligible for coverage?No. Drop-in shelters are currently ineligible for placement through this program. Is abuse and molestation coverage included?Yes. Abuse & molestation coverage is available and can be added to address sensitive, high-severity exposures common in shelter settings. What is the minimum premium for this program?Minimum premiums vary by account size, services offered, and other underwriting factors. Contact AFC for a tailored premium indication. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, IL, PA, and many others nationwide. Availability and admitted status depend on the carrier selected for each risk. 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.

AFC Insurance Inc.’s Autism Insurance program is offered through its Human & Social Services Insurance platform. As a program administrator with access to multiple admitted carriers, AFC provides flexible, industry-specific solutions for organizations that deliver services to individuals diagnosed with autism. The program can be structured to cover diagnostic assessments, behavioral health therapy, rehabilitative services, counseling, and pharmacy-related support — with options to combine general and professional liability into a single package policy. Ideal Accounts and Appetite This program is designed for a range of autism-service organizations. Typical classes we place include: Autism services providers — outpatient centers, in-home therapy providers, and day-program operators Special schools — private or nonprofit schools focused on special education for children with autism spectrum disorders From the agent’s perspective: this is a good market when your client needs protection for both general liability exposures (slips/trips, premises) and professional exposures (therapy, assessments, treatment plans). AFC is particularly useful for accounts with part-time staff, regular volunteers, or contracted therapists who require endorsed coverage. Coverage Highlights and Advantages Offered on an admitted basis in most states, the program bundles a broad set of coverages that human and social services organizations commonly need: General Liability and Professional Liability (errors & omissions) Package policy options to simplify placement and reduce coverage gaps Endorsements and enhancements, including: Volunteers & independent contractors included as insureds Optional key employee replacement Optional blanket additional insured endorsement for contractual relationships Umbrella and excess limits to extend primary liability capacity Property and auto coverage (subject to underwriting restrictions) Abuse & molestation coverage — available where admitted These options help agents tailor policies for multi-location programs, mobile in-home services, and organizations that rely on volunteers or subcontractors. Underwriting Notes and Minimum Premiums Underwriting emphasizes the operational controls that reduce liability exposures: staff training and credentials, documented treatment plans, background checks, supervisory ratios, and client intake/consent procedures. Common factors that affect pricing and acceptability include the types of services provided, frequency of in-home work, staff composition (W-2 employees vs. contractors), and prior loss history. Minimum premiums and final terms vary by state, carrier, and selected coverages. AFC works directly with agents to identify the optimal carrier within their panel and structure limits and endorsements to match the client’s risk profile and budget. Territories and Availability The program is available in most U.S. jurisdictions. AFC currently offers this product in 49 states plus Washington, DC. Availability and specific coverage features can vary by state, so confirm state eligibility and any local restrictions when submitting a referral. Why Work With AFC Insurance Inc. AFC brings focused underwriting experience in the human and social services sector and access to admitted markets that prefer specialty program business. As a program administrator, AFC can tailor package solutions, place complex or multi-location accounts, and provide agent support through underwriting consultation and flexible endorsements. Example placements that fit well: you might have a mid-sized private autism therapy center operating from several leased locations that needs both professional liability and umbrella limits; or a nonprofit special education school relying on volunteers and contracted therapists that requires volunteer-insured endorsements and abuse & molestation coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Autism therapy providers, special education schools, and nonprofit organizations offering autism-related services are ideal fits. Is this program available on an admitted basis?Yes, the program is offered on an admitted basis in most states. Are volunteers and independent contractors covered?Yes, volunteers and independent contractors can be included as insureds through available coverage endorsements. What coverages are typically included in the program?The program includes general liability, professional liability, property, auto (with some restrictions), umbrella, and abuse & molestation coverage, along with optional enhancements. In which states is this program available?The program is available in 49 states plus Washington, DC. Contact AFC Insurance Inc. for availability in specific states. 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 focused Health & Human Services program tailored for Religious Youth and Outreach Groups. The program is designed for organizations that support teenagers and young adults in faith-based and outreach settings. Whether your client runs a church-affiliated youth group, a faith-based mentoring program, or a nonprofit community outreach initiative, AFC’s program helps you place comprehensive protection so those organizations can operate with confidence. Ideal Accounts and Program Appetite: This program targets organizations that provide safe, structured environments for teens and young adults through religious and community outreach activities. Eligible classes include: Youth Groups Religious Youth Groups Outreach Programs To qualify, insureds must conduct mandatory background checks on all staff and volunteers. AFC looks for accounts that prioritize safety, background screening, and clear supervision policies. Typical fits are congregational youth ministries, faith-based mentoring programs, and nonprofit outreach efforts that work regularly with minors. Accounts with significant high-risk activities (unsupervised overnight camps, extensive adventure travel) or weak screening policies may not qualify. Coverage Highlights: AFC’s Religious Youth and Outreach Groups Insurance program includes a broad set of coverages designed for the exposures these organizations face: Package policies combining common coverages for convenience General Liability and Professional Liability Endorsements & enhancements, such as: Volunteers & independent contractors included as insureds Optional key employee replacement endorsement Optional extended coverage endorsement with blanket additional insured Umbrella liability Property and auto coverage (state and carrier restrictions may apply) Abuse & molestation coverage These options help address third-party liability, property exposures, auto-related incidents, and sensitive youth-protection claims. Endorsement flexibility and volunteer wording are particular strengths for placing church-affiliated and volunteer-driven programs. Underwriting Notes and Minimum Premiums: Minimum premiums vary by account size, location, and coverages selected. AFC works with multiple carriers to offer flexible solutions based on each client’s risk profile. Important underwriting considerations include: Verified, documented background checks for all staff and volunteers Written child-protection and supervision policies Limits on high-risk activities or unsupervised travel Clear volunteer training and screening records Provide detailed loss history, screening procedures, and program manuals to help AFC underwrite efficiently. Territories and Admitted Status: This program is available in most U.S. 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 offered on an admitted basis in most states, providing regulatory stability and market familiarity. Why Work With AFC Insurance Inc.: AFC is a program administrator with focused expertise in human services risks. Agents benefit from: Underwriting that understands faith-based and volunteer-run program operations Access to multiple carriers for placement flexibility Endorsements tailored to volunteer exposures and youth-protection needs Responsive underwriting for accounts that meet screening and operational standards You might have a client that runs a regional church youth outreach program that needs combined liability coverage for volunteers plus abuse & molestation limits. Or you may place a nonprofit offering faith-based mentoring and after-school services that needs general liability, professional liability, and property coverage. AFC’s program is built to support those placements when screening and program controls are in place. Frequently Asked Questions What types of accounts are a good fit for this program? Ideal accounts include religious youth groups, church-affiliated outreach programs, and nonprofit organizations serving teens and young adults in community or faith-based settings. Are background checks required for all insureds? Yes. Mandatory background checks for staff and volunteers are required for eligibility under this program. What coverages are available through this program? Available coverages include General & Professional Liability, Property, Auto (with restrictions), Umbrella, Abuse & Molestation, and optional endorsements for volunteers, key employee replacement, and additional insureds. Is this program available on an admitted basis? Yes. The program is offered on an admitted basis in most available states. Which states is the program available in? The program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Contact AFC Insurance Inc. for state-specific availability. 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.

Significant expertise and infrastructure are required to effectively underwrite ARC (Association for Retarded Citizens) chapters and similar organizations serving individuals with intellectual and developmental disabilities. At NIF Group Inc., we understand that these nonprofit and social service risks often involve more complexity than initially meets the eye. That’s why we offer a comprehensive insurance program specifically designed for ARCs and related organizations—giving agents the tools to protect their clients and support long-term service relationships. Program Overview Our ARC Insurance Program provides robust liability protection tailored to the unique needs of organizations that serve people with intellectual and developmental disabilities. Coverage can extend to employees, volunteers, independent contractors, and even medical professionals working with the organization. Our package policies are flexible and can be customized to address a wide range of operational exposures. Ideal Accounts and Appetite This program is a strong fit for nonprofit organizations, residential and day programs, and social service agencies affiliated with ARC chapters or serving similar populations. Target accounts include: Community-based residential facilities Day habilitation and vocational training centers Transportation services for individuals with disabilities Supportive housing and group homes You might have a client operating several group homes staffed by case workers and volunteers, or one offering vocational programs for adults with disabilities—these are great candidates for this program. Coverage Highlights and Advantages Our package policies are built to protect every aspect of your client's operations—from property and fleet to liability exposures involving employees and volunteers. Key coverages include: General liability insurance Professional liability, including healthcare-related exposures Auto insurance (including owned and non-owned vehicles) Property insurance for offices and facilities Boiler and machinery coverage Crime coverage Umbrella/excess liability Optional coverages available to further strengthen protection: Employee benefits liability Equipment breakdown Sexual and physical misconduct liability Nonprofit Directors & Officers (D&O) with EPLI Underwriting Notes and Minimum Premiums Minimum premium varies based on account size, services offered, and selected coverages. NIF Group Inc. brings deep underwriting knowledge to this niche sector, helping agents navigate complex risk profiles and find the right coverage fit. Submissions involving residential care, transportation, or professional medical services are welcome for review. Territories and Availability This program is available in most states across the U.S., excluding Hawaii and Louisiana. We currently offer coverage in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With NIF Group Inc. NIF Group Inc. is a trusted program administrator specializing in niche markets. Our team has the underwriting depth and market access to support agents placing nonprofit and social service risks. We work closely with retail brokers to understand their clients' operations and provide tailored coverage solutions that address real-world exposures. Whether you’re placing a single ARC chapter or a multi-location nonprofit, our team is ready to help you secure the right coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for ARC chapters and similar nonprofits serving individuals with intellectual and developmental disabilities. Ideal accounts include group homes, vocational programs, and transport services. Is this program available nationwide?It is available in most U.S. states, except for Hawaii and Louisiana. Can volunteers and independent contractors be covered?Yes, the policy can be structured to include coverage for volunteers, independent contractors, and medical professionals working with the organization. What optional coverages are available?Optional enhancements include D&O with EPLI, sexual/physical misconduct liability, and equipment breakdown coverage. Is there a minimum premium requirement?Minimum premiums vary depending on the size and nature of the operation and coverages selected. Contact NIF Group Inc. for underwriting guidance. Need help placing an account? Connect with a market specialist.