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...roviders Day care centers Crisis intervention centers Class codes commonly written: 8...good fit for this program?Counseling centers, day cares, drug and alcohol reha...

Early Intervention Development Programs are a core cl...ts are a good fit for AFC's Early Intervention Development Programs insurance?Small-to-mid sized early intervention centers, home & community based servi...

Underwriting youth outreach programs requires specific expertise and infrastructure. At NIF Group Inc., we focus on the unique exposures nonprofit and human-service organizations face and help agents place tailored, practical coverage for groups serving youth. Our program combines flexible limits, admitted paper, and underwriting tailored to programs that rely on staff, volunteers, and partner professionals. Overview of the Program From NIF Group Inc. NIF Group Inc., a program administrator with deep experience in nonprofit and human services insurance, offers a package designed for youth outreach organizations. Whether your client runs an after-school program, mentoring network, or a community youth center, this program provides broad protection across common exposures — from general liability to professional and auto coverage — with admitted capacity through Liberty Mutual Insurance. Ideal Accounts and Appetite This program is intended for nonprofit organizations whose primary mission is youth development and community outreach. Typical classes include: Mentorship and leadership training programs Youth development nonprofits Community-based tutoring and educational services Recreational and after-school programs Accounts that commonly fit have clear programs for youth engagement, documented risk-management practices, and a mix of paid staff, volunteers, and occasional contractors or medical professionals. Examples you may place through this program: A regional mentoring nonprofit that uses screened volunteers to support at-risk teens and needs general and professional liability with volunteer coverage. A community after-school program with program-owned vans requiring liability and auto coverage plus property protection for activity equipment. Coverage Highlights and Advantages The Youth Outreach Programs Insurance package is built to provide comprehensive protection for the organization, its staff, and volunteers. Core coverages include: General Liability Insurance Professional Liability (including health care–related exposures) Property Insurance Auto Insurance Crime Insurance Boiler and Machinery Insurance Umbrella Insurance Optional extensions that can be added to address specialized exposures: Employee Benefit Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Nonprofit Directors & Officers Liability with Employment Practices Liability (EPLI) Policies are structured to recognize the operational realities of nonprofits, including coverage for volunteers, contracted staff, and licensed professionals working with the organization. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size and operations of the organization. Underwriting evaluates service types, participant counts, volunteer use, vehicle exposure, property values, and the organization’s risk-control procedures. NIF's underwriting team works with agents on complex placements and can consider accounts with mixed staffing models and health-related services when appropriate. Territories and Availability This program is available in most U.S. states, excluding Hawaii and Louisiana. Coverage is offered on an admitted basis through Liberty Mutual Insurance. Why Work With NIF Group Inc.? NIF Group Inc. brings decades of experience managing specialized insurance programs for nonprofits and human service organizations. Agents benefit from a dedicated underwriting team familiar with youth outreach operations, admitted paper through a recognized carrier, and a suite of coverages that simplify placement and help clients maintain long-term protection. We partner with agents to assess exposures, recommend appropriate limits and endorsements, and streamline the submission and binding process. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit organizations focused on youth services—after-school programs, mentoring groups, youth development, and community outreach initiatives—are ideal fits. Can volunteers and medical professionals be covered under the policy?Yes. The policy can be structured to include liability coverage for volunteers, independent contractors, and medical professionals affiliated with the organization. Is this program available nationwide?The program is available in most U.S. states, except Hawaii and Louisiana. What carrier underwrites this program?This program is underwritten by Liberty Mutual Insurance on an admitted basis. Are optional coverages like D&O and sexual misconduct liability available?Yes. Optional coverages such as Nonprofit D&O with EPLI and sexual/physical misconduct liability can be added based on the organization’s needs. Need help placing an account? Connect with a market specialist.

...m services providers — outpatient centers, in-home therapy providers, and day-...

...rograms, and therapeutic learning centers. Typical accounts include facilities...day programs, and nonprofit learning centers that serve developmentally disabl...

Insurance for Addiction Treatment Centers is included in AFC Insurance Inc.’s ...l and outpatient addiction treatment centers, including alcohol and drug rehab...

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.

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.

AFC Insurance Inc. offers a specialized Respite Care Insurance program under its Health & Human Services division, designed to support agents and brokers placing coverage for organizations serving vulnerable populations. Respite care services provide temporary relief to primary caregivers of elderly, ill, or developmentally disabled individuals—an essential yet often overlooked part of the care continuum. These services come with unique liability exposures and operational risks that require tailored insurance solutions. Ideal Accounts and Eligible Classes: This program is ideal for insureds offering temporary care or support services to individuals with developmental disabilities, chronic illness, or other special needs. It is structured to accommodate a wide range of organizations, including: Camps (Special Needs, Adventure, or Licensed Summer Camps for the Developmentally Disabled) Respite Care Facilities and Day Programs Hospice Organizations Traumatic Brain Injury (TBI) Programs Organizations operating under ARCs (Associations for Retarded Citizens) Services providing relief for long-term caretakers Whether your client runs a licensed summer program for developmentally disabled youth or operates a respite day facility for seniors with dementia, this program can provide the necessary coverage framework. Coverage Highlights and Advantages: This program offers a comprehensive package of coverages to address the multifaceted risks associated with respite care services, including: General and Professional Liability Package Policies Umbrella Coverage Property and Auto (some restrictions may apply) Abuse & Molestation Coverage Coverage Enhancements including: Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These comprehensive options ensure that your clients are protected against the full spectrum of liability and operational risks inherent in their field. Underwriting Considerations and Minimum Premiums: Minimum premiums vary depending on the size, scope, and nature of the risk. AFC Insurance Inc. evaluates each submission carefully and works closely with agents to identify the best coverage options. Accounts should demonstrate appropriate licensure, staff training, and risk management protocols to be considered. Territories and Availability: This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and WA. See the full list of eligible states for your client placements: 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 dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in the health and human services sector. With flexible underwriting, access to multiple carrier partners, and a focus on specialized care environments, AFC is an excellent partner for agents placing respite care and related accounts. You’ll benefit from responsive service, knowledgeable underwriters, and a program built to adapt to the evolving needs of care providers. You might have a client running a summer adventure camp for developmentally disabled teens or a nonprofit offering day respite services for Alzheimer’s patients—this program is built to meet their insurance needs with tailored coverages and risk-focused underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for respite care providers, developmental disability camps, hospice services, TBI programs, ARCs, and nonprofit organizations offering temporary relief to primary caregivers. What coverages are included in the Respite Care Insurance program?The program includes General and Professional Liability, Umbrella, Property, Auto (with some restrictions), Abuse & Molestation, and optional endorsements such as Key Employee Replacement and Blanket Additional Insureds. Is this program available on an admitted basis?Yes, the program is available on an admitted basis in most states where it is offered. Availability may vary depending on the specific risk and location. What is the minimum premium for this program?Minimum premiums vary depending on the size and type of risk. AFC Insurance Inc. evaluates each submission individually to determine appropriate pricing. Which states is this Respite Care Insurance program available in?The program is available in most states, including CA, TX, NY, FL, IL, and more. Please refer to the full list of covered states for complete availability. Need help placing an account? Connect with a market specialist.

...palsy. Through our Cerebral Palsy Centers Insurance program, we help agents an...ts and Advantages Our Cerebral Palsy Centers Insurance program offers a wide r...