Search CompleteMarkets

...ogram is built for nonprofit and community-focused operations that depend on v...Soup Kitchens program?Nonprofit and community food distribution operations such as food banks, soup kitchens, nutrition centers, kosher food banks, and similar programs that rely on...

... Non-Profit Package designed for community-focused nonprofit organizations. Th...roup homes, counseling centers, and community outreach programs are well suite...

... Example fits: You might have a community bank that recently acquired several...

...arios You might have a nonprofit community center that hosts public events and...

...ransport (appointments, errands, community outings) and facilities with on-sit...

AFC Insurance Inc. offers a specialized Health & Human Services Program tailored for organizations that support individuals with cerebral palsy. Through our Cerebral Palsy Centers Insurance program, we help agents and brokers place comprehensive coverage for day programs and residential facilities that serve this critical population. Ideal Accounts and Appetite Our program is designed for non-profit and for-profit organizations that provide services to individuals with Cerebral Palsy. Eligible classes include: Day Programs Residential Facilities This program is ideal for accounts that offer structured support services, therapy, housing, and daily care for individuals with developmental and physical disabilities. Whether your client operates a single residential facility or a network of day programs, AFC Insurance can help you find the right coverage solutions. Coverage Highlights and Advantages Our Cerebral Palsy Centers Insurance program offers a wide range of coverages to protect your client’s operations and personnel. Available coverages include: Package Policies General Liability & Professional Liability Endorsements for Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Umbrella & Excess Liability Property Auto (restrictions may apply) Abuse & Molestation Coverage These coverages are structured to help shield organizations from the unique risks that come with serving vulnerable populations, including liability exposures related to caregiving, transportation, and employment practices. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the operation. Factors such as number of residents, staffing levels, services provided, and claims history will influence underwriting. We work closely with agents to review submissions and provide tailored solutions based on each facility’s needs. Territories and Availability This program is available in most states, including but not limited to: CA, FL, IL, NY, TX, PA, OH, and WA. We are licensed in over 45 states, offering admitted solutions in most areas. Please contact us to confirm eligibility based on your client’s location. Why Work With AFC Insurance Inc. As a trusted Program Administrator, AFC Insurance Inc. has deep experience in the health and human services sector. Our team understands the specialized needs of facilities serving individuals with Cerebral Palsy and other complex conditions. We offer responsive service, flexible underwriting, and access to a range of carriers to help you place and retain this important business. From custom enhancements to abuse coverage and more, we’re committed to helping you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is best suited for day programs and residential facilities that serve individuals with cerebral palsy. Both non-profit and for-profit organizations may be eligible. Is Abuse and Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, subject to underwriting review. Can volunteers and independent contractors be covered?Yes, our endorsements can include volunteers and independent contractors as insureds, helping protect all aspects of your client’s operations. Are auto coverages available for transporting clients?Auto coverage is available, though certain restrictions may apply. Please submit full details for underwriting consideration. In what states is this program available?The program is available in most states, including AL, CA, FL, NY, TX, and many others. Contact us to verify eligibility in your client’s state. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized Eating Disorders Insurance program within its Health & Human Services suite. The program is designed for organizations that provide care and rehabilitation for individuals with eating disorders and helps agents and brokers place coverage for facilities delivering structured support such as counseling, behavioral health treatment, nutritional advising, residential care, and life coaching. Ideal Accounts and Appetite This program targets organizations focused on treating and supporting individuals with eating disorders, including: Residential treatment centers Outpatient counseling and therapy providers In-patient housing programs Nutrition and behavioral health clinics Life coaching and wellness centers focused on eating disorder recovery Covered diagnoses include Anorexia Nervosa, Bulimia Nervosa, Binge Eating Disorder, Compulsive Overeating, and other clinically recognized eating disorders. Coverage Highlights and Advantages AFC’s program delivers a flexible suite of coverages to protect organizations from the liability and operational risks common in human services and behavioral health care. Available options include: Package policies General Liability and Professional Liability Endorsements to add Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement endorsement Optional Extended Coverage with Blanket Additional Insureds Umbrella and Excess Liability Property and Auto (subject to underwriting restrictions) Abuse & Molestation coverage These coverages address exposures faced by providers working with vulnerable populations in both residential and outpatient settings. Underwriting Notes and Minimum Premiums Minimum premiums depend on the size, services, and location of the operation. AFC works with a panel of carriers to create tailored programs and applies underwriting criteria suited to behavioral health and human services risks. Note that auto coverage may carry specific restrictions and is evaluated on a case-by-case basis. Territories and Availability This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and PA. AFC Insurance Inc. can write this program in all of the following 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, WY. Why Work With AFC Insurance Inc.? As a program administrator with deep experience in the health and human services sector, AFC understands the specialized risks associated with treating eating disorders. AFC offers tailored coverage options supported by experienced underwriters and access to multiple carrier partners. Whether your client is a start-up residential facility or an established outpatient clinic, AFC can provide flexible solutions and responsive service for this niche area of care. Frequently Asked Questions What types of accounts are a good fit for this program?Residential treatment centers, outpatient therapy and counseling programs, nutrition clinics, in-patient housing programs, and wellness organizations that focus on eating disorder recovery are strong fits. Is this program available on an admitted basis?Yes. Coverage is available on an admitted basis in most states, depending on the specific risk profile and jurisdiction. Are volunteers and independent contractors covered?Yes. The program includes endorsements that allow volunteers and independent contractors to be added as insureds when appropriate. What is the minimum premium for this program?Minimum premiums vary by operation size, services offered, and location. Contact AFC for underwriting guidelines and pricing details. Which states is this program available in?The program is available in most states nationwide, including CA, TX, FL, NY and many others; a full list of eligible states is provided above. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized Health & Human Services Program tailored to the unique exposures faced by organizations providing Drug Rehabilitation Insurance Services. This comprehensive program is designed for professional treatment centers and facilities that deliver medical and behavioral care, including nutritional counseling and outpatient services. With broad eligibility and flexible coverage options, AFC’s program supports agents and brokers in placing challenging rehab-related accounts with confidence. Ideal Accounts and Appetite AFC’s program is well-suited for a wide range of drug and alcohol treatment services, including: Drug and Alcohol Rehabilitation Centers Outpatient Alcohol & Drug Counseling Inpatient Halfway Houses Methadone Clinics (as part of broader services) Early Release Programs for Alcohol & Drug Offenders Outpatient Detox Facilities Clinics (when part of an overall treatment program) If you have clients offering integrated drug rehab services — for example, a facility that combines counseling, detox, and housing support — this program may be a great fit. Coverage Highlights and Advantages The Health & Human Services Program includes a robust package of coverages designed for the rehab sector: General and Professional Liability Package Policies Umbrella and Property Coverage Auto (restrictions may apply) Abuse & Molestation Coverage Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Extended Coverage Endorsement with Blanket Additional Insured These coverages help protect against the complex risks associated with providing healthcare, counseling, and rehabilitation services. Underwriting Notes and Minimum Premiums Risk eligibility is tailored, and premiums vary based on services offered and exposure levels. Note that certain operations are not eligible under this program, including: Adoption Agencies (if more than 25% of operations) Assisted Living for Seniors Birthing Centers Big Brothers/Big Sisters Programs with overnight activities Correctional Facilities Foster Care Agencies Psychiatric Hospitals Public Housing and Housing Authorities Sex Offender Programs Violent Youth Lockdowns Standalone Special Events/Fundraisers AFC works closely with agents to determine fit and structure coverage effectively for qualifying accounts. Territories and Availability This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. AFC can write business in all 50 states plus DC, depending on carrier availability and regulatory status. Most placements are available on an admitted basis. Why Work With AFC Insurance Inc. As a seasoned Program Administrator, AFC Insurance Inc. brings deep experience in the Health & Human Services sector. Their focused underwriting, flexible coverage structures, and access to multiple carriers make them a reliable partner for agents placing drug rehabilitation and behavioral health risks. If you're looking for a responsive team with the tools to handle complex rehab accounts, AFC is ready to assist. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include drug and alcohol rehab centers, outpatient detox clinics, halfway houses, and integrated treatment facilities offering counseling and support services. Are standalone clinics eligible for coverage?Clinics are eligible only when they are part of a broader rehab program. Standalone clinic operations are not eligible under this program. Is abuse and molestation coverage included?Yes, abuse and molestation coverage is available as part of the program, subject to underwriting guidelines. Can I place business in multiple states?Yes, AFC’s program is available in most states nationwide, allowing agents to write multi-state rehab operations where eligible. What is the minimum premium for this program?Minimum premiums vary depending on the type and size of the operation. Contact AFC for more details specific to your client’s needs. Need help placing an account? Connect with a market specialist.

Adult Day Care Insurance — AFC Insurance Inc. Program AFC Insurance Inc. offers a dedicated Adult Day Care Insurance program tailored for professional adult day care centers and related human & social services operations. This program is designed for agents and brokers who need a market that understands the staff, volunteer, property and professional liability exposures typical of adult day services, adult day health facilities, social and medical model programs, and services for developmentally disabled or mentally ill populations. Overview of the Program From AFC Insurance Inc. As a program administrator, AFC Insurance Inc. places package and stand-alone coverages through varying carriers to deliver flexible solutions for adult day care operators. The program combines General Liability and Professional Liability with property, auto, umbrella and specialty endorsements commonly requested by this segment. Coverage endorsements can include volunteers and independent contractors as insureds, an optional key employee replacement endorsement, extended coverage with blanket additional insured, and abuse & molestation coverage where needed. Ideal Accounts and Appetite The program fits: Professional adult day care centers and adult day services Adult day health facilities (social and medical models) Programs offering supervised care, meals, social activities, and limited health services Services for the developmentally disabled, mentally ill, or partial hospitalization/day treatment programs Typical accounts have controlled client ratios, trained staff, documented policies for medication administration and incident reporting, and limited on-site medical procedures. High-acuity facilities that function as primary medical providers or have full residential care are usually outside appetite. Coverage Highlights and Advantages Package options combining Property, General Liability, Professional Liability and Abuse & Molestation Endorsements to add Volunteers & Independent Contractors as insureds Optional Key Employee Replacement and Extended Coverage Endorsements with Blanket Additional Insured Umbrella limits available to broaden liability protection Auto coverage for business vehicles (subject to carrier restrictions) Flexible placement through multiple carriers — “Carriers: Varies” — to match risk characteristics Underwriting Notes and Minimum Premiums Underwriting focuses on operations, staffing ratios, policies for medication and supervision, facility security, transportation practices, and claims history. Documentation that speeds placement includes client rosters, staff training records, written policies and procedures, and loss runs. Minimum premium and rate levels vary by carrier and state; AFC’s program can place accounts with differing premium thresholds depending on the chosen market. Example Accounts an Agent Might Place You have a 30-person adult day center that provides meals, social activities and limited nursing oversight — the program can provide a package policy with General & Professional Liability and abuse & molestation coverage. A non-profit day services program with volunteers and occasional contracted therapists — the volunteer/independent contractor endorsements and blanket additional insured language can address those exposures. Territories and Availability Available in most states (Most Available States). Current territories: 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. Some state restrictions may apply. Why Work With AFC Insurance Inc. on Adult Day Care Business AFC Insurance Inc. brings program-focused underwriting and access to multiple carrier appetite options specifically for human & social services. Agents benefit from coverage flexibility, common endorsements needed by adult day providers, and underwriting that understands the difference between social model and medical model operations. For accounts that match the program’s appetite, AFC can help secure competitive terms across property, liability and specialty layers. Frequently Asked Questions What types of adult day care accounts are a good fit for this program?Professional adult day centers that provide meals, supervised activities and limited health services are the best fit. Programs with documented policies, trained staff and controlled client-to-staff ratios typically place well. Full residential care or high-acuity medical providers are usually out of appetite. Which coverages and endorsements can I request through AFC’s program?Common options include Package (Property + Liability), General & Professional Liability, Abuse & Molestation, Auto (subject to carrier restrictions), Umbrella, volunteer & independent contractor as insureds endorsements, optional key employee replacement, and extended coverage with blanket additional insured language. How does state availability and admitted status affect placement?The program is available in most states listed on this page. Because carriers vary by state, some features and forms depend on state regulations and carrier appetite. Agents should confirm specific state availability and admitted/non-admitted status at submission time. What submission materials help underwriters make a faster decision?Provide a current application, recent loss runs, staff training and supervision policies, medication administration procedures, client capacity and staffing ratios, and details on transportation or medical services to speed underwriting and improve placement options. Need help placing an account? Connect with a market specialist.

...nkers Third Party (Loss Payee) Banks, Cities, Title Companies, Escrow Comp...