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Why do your clients need Residential Child Care Insurance? A chil...s, special needs children, or drop-in care models, are the primary focus for t...

Workers Compensation Insurance for Residential Care Facilities Novatae Risk Group...appropriate for small to mid-sized residential care operations. What states is this pro...

...s program targets licensed, non-residential child care providers. Ideal accoun...m available in my state?The Child Day Care Insurance program is available in A...

...s: If you place business for child care providers that transport children by v...n are the primary target. In-home day care providers and private shuttle services that are not licensed day care centers are not eligible. What cove...

...xperience, our Adoption and Foster Care Insurance program is built specifically for Adoption and Foster Care Placement Agencies and organizations t...l states?Yes, the Adoption and Foster Care Insurance program is available on a...

Group homes serve as vital residential facilities for individuals with ch...e homes typically include licensed residential facilities for adults or childr...

...e a client running a structured residential program with documented policies a...

... 9059, 9101, 9110. Important: Residential facilities are excluded from this ...histories and safety programs. Are residential facilities eligible for this program?No. Residential facilities are excluded from th...

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