https://completemarkets.com/company/afcins/after-school-programs-insurance/
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.
https://completemarkets.com/company/afcins/child-care-insurance/
AFC Insurance Inc.'s Child Care Insurance Solutions Program is a program administrator market tailored for licensed, commercial child care operations. The program is built for agents who need flexible, package-style solutions that combine general liability and professional liability with property, auto, workers' compensation, umbrella and management liability options. AFC underwrites to place standard child care risks with emphasis on licensed centers and small school operations.
Eligible classes and basic appetite
Eligible List of Classes:
Daycare, Preschool, After School Care, Montessori Schools up to age 7
Ineligible Classes:In-home facilities, Part of religious organizations
Overview for agents
Use AFC's Commercial Child Care Insurance program when you need a program that understands exposures unique to licensed child care centers — supervision, staff screening, professional liabilities related to education and care, playground and premises exposures, and transportation exposures when auto coverage is required. The program is designed to package common coverages for ease of placement while allowing tailored limits and endorsements where appropriate.
Coverage highlights and advantages
Core coverages: General Liability, Professional Liability, Property, Commercial Auto, Workers' Compensation, Umbrella, Directors & Officers.
Package capability: Ability to combine primary liability and professional liability to address injury and allegation risks commonly seen in childcare claims.
Flexible placements: Multiple carrier relationships — carriers vary by state and submission — giving you options for admitted and non-admitted placements where available.
Underwriting expertise: Appetite focused on licensed commercial centers and small private preschools, with attention to staff-to-child ratios, licensing history, and safety programs.
Ideal accounts and examples
The program is best for licensed, brick-and-mortar child care businesses with consistent licensing and payrolls that fall within the program's size guidelines. Typical good fits include:
A licensed daycare center with mixed-age classrooms, playground, and a small van used for field trips — needing GL, professional liability, and commercial auto.
A Montessori-style preschool (up to age 7) seeking a package with property, liability, and a small umbrella layer for added limits.
Underwriting notes and minimums
Underwriting focuses on licensing status, staff screening and training, facility safety (playground surfacing, secure entry), transportation practices, and claims history. Ineligible risks include in-home daycare operations and programs that are run as a part of a religious organization. Minimum premium and specific appetite can vary by carrier and state — see carrier guidelines on a submission-by-submission basis.
Territories and admitted status
AFC's program is available in most states. Availability is listed below and admitted vs. non-admitted options vary by state and carrier:
AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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 with AFC Insurance Inc.
Program administrator access: Multiple carrier relationships let AFC match a child care account to the appropriate market.
Practical underwriting: Underwriters with experience in child care exposures help structure coverages and endorsements that agents need to close deals.
Responsive packaging: Ability to combine liability, professional, property and ancillary lines for a single submission, reducing placement time.
Submission tips
Include current licensing documentation, facility layout (indoor/outdoor play areas), staff-to-child ratios, employee screening and training programs, and any transportation policies.
List prior claims and losses with description and payments; clean loss runs improve placement options and pricing.
Note any special programs (nap time policies, swim lessons, special-needs services) that may affect underwriting.
Additional program notes
Carriers vary by state and the program administrator evaluates each submission for the best admitted or non-admitted option. Minimum premiums and specific term offerings are carrier dependent and can vary by state.
Frequently Asked Questions
What types of child care accounts are a good fit for AFC's program?Licensed commercial daycare centers, preschools, after-school care and Montessori schools (up to age 7) with stable operations, documented staff screening and clear safety procedures. In-home daycares and programs run as part of religious organizations are not eligible.
Which coverages can I package through this program?The program can combine General Liability, Professional Liability, Property, Commercial Auto, Workers' Compensation, Umbrella and Directors & Officers coverages depending on carrier availability in the state.
Is this program available nationwide and is coverage admitted?The program is offered in most states listed above. Admitted vs. non-admitted availability depends on the carrier and state — AFC will advise on admitted options per submission.
What information should I include with a submission to speed placement?Include current licensing, loss runs, payroll and staff counts, facility description (including outdoor play areas), transportation practices, and any written safety or training programs. This helps underwriters assess appetite and pricing more quickly.
How does AFC determine minimum premium or eligibility?Minimum premium and eligibility are carrier-dependent and vary by state. AFC underwriters will review the account and advise on minimums and available coverages after receiving a complete submission.
Need help placing an account? Connect with a market specialist.