Search CompleteMarkets

...vices WIC (Women, Infants, and Children) programs Individual and group cou...amily support services, counseling, shelters, WIC programs, and guardianship s...

...s of domestic violence and their children Overnight shelter for the homele... strong market for student housing, shelters, halfway houses, apartments (up t...

...ation and counseling centers Children & family services agencies I...

...focused on special education for children with autism spectrum disorders From...

...nt operates a private school for children with autism or a nonprofit education...

... Residential Care Facilities for Children and Developmentally Disabled Fam...

Insurance for Associations for Retarded Citizens is a specialized offering within AFC Insurance Inc.’s Human & Social Services Insurance Program. Built for ARCs and similar nonprofit or community-based providers, this program addresses the unique risks of supervised care, vocational training, life-skills instruction, and behavioral support for individuals with developmental disabilities, mental illnesses, or cognitive impairments. Ideal Accounts and Appetite This program is designed for professionally operated Associations for Retarded Citizens and related nonprofit or community organizations. Typical eligible classes include: Job placement and supported employment services Vocational training and day programs Life skills and independent-living coaching Behavioral therapy and support services Public social interaction and community integration programs Accounts that commonly fit the appetite are non-residential and residential programs that provide structured training, employment readiness, and supervised community activities. Programs with direct care, one-on-one support, or transportation services may require additional underwriting detail. Coverage Highlights and Advantages AFC Insurance Inc. provides broad, customizable packages to address core exposures for ARC providers. Core and optional coverages include: Commercial General Liability and Professional Liability Package options combining liability and property limits Endorsements extending coverage to volunteers and independent contractors Optional key employee replacement coverage Blanket additional insureds and extended coverage endorsements (optional) Umbrella and excess liability layers Property and commercial auto (subject to availability and restrictions) Abuse & molestation coverage available subject to underwriting The program’s flexibility allows you to tailor limits and endorsements to match client operations and risk-management practices. Underwriting Notes and Minimum Premiums Underwriting evaluates operations, staffing, client population, supervision ratios, transportation, background checks, and safety protocols. Submissions should include a detailed description of services, organizational structure, loss history, and written policies for hiring, supervision, and incident reporting. Minimum premiums vary by state, size, and exposure. AFC Insurance Inc. works with agents to identify the appropriate coverage layers and price point for each account. Territories and Availability The program is available in most states, including CA, TX, FL, NY, IL, PA, and GA, and is generally placed in admitted markets where possible to provide admitted paper and broader regulatory protections. Availability and coverages may vary by state and carrier. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a program administrator with focused expertise in human and social services. Their underwriters understand ARC operations and the common loss drivers in this sector, and they work collaboratively with agents to structure responsive, market-accessible solutions. Whether you need a standalone liability policy or a full package including property and abuse coverage, AFC can provide access to multiple markets and a practical underwriting approach. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nonprofit or community-based organizations offering supervised care, vocational training, or behavioral support services for individuals with developmental disabilities or mental impairments. Is abuse and molestation coverage included in the policy?Yes. Abuse and molestation coverage is available as part of the program’s offerings, subject to underwriting review and approval. Are volunteers and independent contractors covered?Yes. Endorsements and enhancements are available to extend coverage to volunteers and independent contractors where appropriate. Which states is this program available in?The program is available in most states, including CA, TX, FL, NY, IL, PA, and many others across the U.S. Specific coverages and market availability may vary by state. What information is needed to submit an account?Provide detailed descriptions of operations, prior loss history, types of services provided, staffing levels, supervision ratios, transportation practices, and written safety protocols. Need help placing an account? Connect with a market specialist.

...operations (book mobiles, animal shelters, archaeological teams) Other s...

After School Programs Insurance is a core offering from AFC Insurance Inc.’s Health & Human Services Program. Built for the distinct exposures of youth-serving organizations, this specialty insurance solution helps agents and brokers place tailored coverage for tutoring centers, recreational programs, mentoring services, and similar after school operations. AFC combines flexible forms, abuse & molestation options, and program-focused underwriting to address the real-world risks your clients face. Ideal Accounts and Appetite This program fits professional after school and youth-focused programs that operate in structured, supervised environments. Common 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 demonstrate appropriate supervision and risk management practices. Overnight programs, residential care, or operations with unsupervised high-risk activities typically fall outside standard appetite but can be reviewed case-by-case. Coverage Highlights and Advantages AFC's After School Programs Insurance provides a flexible suite of coverages designed for the liability and operational risks these organizations face. Available options include: Package policies combining key coverages General Liability & Professional Liability Endorsements and enhancements, such as: Volunteers & independent contractors added as insureds Optional key employee replacement Optional extended coverage with blanket additional insureds Umbrella liability Property coverage Auto coverage (subject to underwriting restrictions) Abuse & Molestation coverage, available and configurable by account These options help your clients manage exposures from premises liability and professional errors to more sensitive allegations—an important consideration for youth-serving organizations. Underwriting Notes and Minimum Premiums Underwriting evaluates staffing levels, supervision protocols, background screening, facility controls, program activities, and prior loss history. Minimum premiums and final terms vary by account size, services offered, and state. Provide detailed operational information—staff ratios, volunteer use, activity descriptions, safety procedures, and contracts—for the fastest response from AFC underwriters. Territories and Availability The program is offered in most states and is available on an admitted basis in the majority of those territories. AFC writes accounts in a wide range of 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. Availability and admitted status vary by state and line. Why Work With AFC Insurance Inc. AFC is a program administrator focused on Health & Human Services markets and understands the operational and liability challenges of youth-serving organizations. AFC offers access to multiple carriers, a program-style appetite for niche placements, and underwriters who will work with you on endorsements and risk-transfer solutions that other markets may decline. Example scenarios you can place through AFC: A suburban tutoring center with part-time staff and volunteer mentors seeking combined general and professional liability with abuse coverage added. A community recreation program that needs package coverage including property, GL, and an umbrella for larger events and off-site activities. Working with AFC gives you a responsive underwriting team, flexible forms suited to after school risks, and admitted options in many states to help meet compliance needs. 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 add volunteers and independent contractors as insureds to broaden 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, which can simplify compliance and policy administration where admitted filings are required. What is the submission process like? Provide detailed information on services offered, staffing and supervision protocols, volunteer use, risk management practices, and any prior losses. AFC underwriters collaborate with appointed agents to streamline quoting and placement. Need help placing an account? Connect with a market specialist.