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Comprehensive Insurance for Developmental Disability Service Providers Irwin Siegel Agency (ISA) offers a specialized property and casualty insurance program tailored to nonprofit organizations that support individuals with developmental disabilities. Designed for agents and brokers seeking a reliable market for social service clients, this program delivers robust coverage backed by value-added services that enhance risk management and reduce overall costs. With a strong understanding of the unique exposures faced by developmental disability service providers, ISA leverages its expertise and carrier relationships to craft well-rounded solutions. The program is underwritten by Berkshire Hathaway Specialty Insurance and is available in all 50 states, including the District of Columbia. Ideal Accounts and Eligible Classes This program is ideal for nonprofit organizations offering a wide range of services to individuals with developmental and intellectual disabilities. Whether you have clients running residential facilities or community-based programs, ISA has the tools to help you secure comprehensive protection. Eligible classes include: Chapters of The Arc Cerebral Palsy Associations Day Programs Early Intervention Services Job Placement and Coaching Programs Medical Clinics and Federally Qualified Health Centers (FQHCs) Residential Care Facilities (ICF, IRA, Supported Living) Vocational Training and Activity Centers Companion and Support Services Care Coordination Organizations For example, you might have a client operating several group homes and day programs for adults with developmental disabilities—they’d be an excellent fit for this program. Another good fit could be a nonprofit offering job coaching and placement for young adults with intellectual challenges. Coverage Highlights and Enhancements Agents can offer their clients a comprehensive package that addresses key liability and property exposures common to human service organizations. ISA also includes a suite of enhancements that add value and address emerging risks. Package Coverage Includes: Abuse and Molestation General Liability Professional Liability Property Coverage Crime Inland Marine Business Auto Umbrella Liability Enhancements & Supplements: Commercial Pollution Liability Volunteer Accident Protection HIPAA Protector Youth Accident Coverage Directors & Officers / EPLI Cyber & Privacy Liability Enhanced Property Form Special Events Coverage Underwriting and Minimum Premiums Minimum premium requirements vary based on the size and scope of the operation. ISA works closely with agents to evaluate submissions and tailor coverage accordingly. Their underwriting team understands the nuances of developmental disability services and takes a collaborative approach to placing business. Nationwide Availability This program is offered on an admitted basis in all available states, covering all 50 states and the District of Columbia. Agents across the country can access this program to meet the needs of nonprofit clients in their region. Why Partner With Irwin Siegel Agency? ISA is a trusted Managing General Agency with decades of experience serving the social services and human services sectors. Their Developmental Disability Service Providers program offers more than just insurance—it includes risk management resources, training tools, and loss prevention strategies that help your clients stay protected and compliant. With competitive pricing, responsive service, and carrier strength from Berkshire Hathaway Specialty Insurance, this is a go-to market for agents placing developmental disability risks. To learn more or discuss a potential submission, call ISA at 800.622.8272 or visit the program page on their website. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nonprofit organizations providing residential, vocational, medical, and community-based services to individuals with intellectual and developmental disabilities. Is the program available in all states?Yes, the program is available in all 50 states and the District of Columbia on an admitted basis. What carrier backs this program?The program is underwritten by Berkshire Hathaway Specialty Insurance, offering financial strength and stability. Can this program cover abuse and molestation exposures?Yes, abuse and molestation coverage is included in the standard package offering. What value-added services are included?The program includes training resources, risk management tools, and safety guidance to help clients reduce losses and stay compliant. Need help placing an account? Connect with a market specialist.

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Significant expertise and infrastructure are required to effectively underwrite ARC (Association for Retarded Citizens) chapters and similar organizations serving individuals with intellectual and developmental disabilities. At NIF Group Inc., we understand that these nonprofit and social service risks often involve more complexity than initially meets the eye. That’s why we offer a comprehensive insurance program specifically designed for ARCs and related organizations—giving agents the tools to protect their clients and support long-term service relationships. Program Overview Our ARC Insurance Program provides robust liability protection tailored to the unique needs of organizations that serve people with intellectual and developmental disabilities. Coverage can extend to employees, volunteers, independent contractors, and even medical professionals working with the organization. Our package policies are flexible and can be customized to address a wide range of operational exposures. Ideal Accounts and Appetite This program is a strong fit for nonprofit organizations, residential and day programs, and social service agencies affiliated with ARC chapters or serving similar populations. Target accounts include: Community-based residential facilities Day habilitation and vocational training centers Transportation services for individuals with disabilities Supportive housing and group homes You might have a client operating several group homes staffed by case workers and volunteers, or one offering vocational programs for adults with disabilities—these are great candidates for this program. Coverage Highlights and Advantages Our package policies are built to protect every aspect of your client's operations—from property and fleet to liability exposures involving employees and volunteers. Key coverages include: General liability insurance Professional liability, including healthcare-related exposures Auto insurance (including owned and non-owned vehicles) Property insurance for offices and facilities Boiler and machinery coverage Crime coverage Umbrella/excess liability Optional coverages available to further strengthen protection: Employee benefits liability Equipment breakdown Sexual and physical misconduct liability Nonprofit Directors & Officers (D&O) with EPLI Underwriting Notes and Minimum Premiums Minimum premium varies based on account size, services offered, and selected coverages. NIF Group Inc. brings deep underwriting knowledge to this niche sector, helping agents navigate complex risk profiles and find the right coverage fit. Submissions involving residential care, transportation, or professional medical services are welcome for review. Territories and Availability This program is available in most states across the U.S., excluding Hawaii and Louisiana. We currently offer coverage in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With NIF Group Inc. NIF Group Inc. is a trusted program administrator specializing in niche markets. Our team has the underwriting depth and market access to support agents placing nonprofit and social service risks. We work closely with retail brokers to understand their clients' operations and provide tailored coverage solutions that address real-world exposures. Whether you’re placing a single ARC chapter or a multi-location nonprofit, our team is ready to help you secure the right coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for ARC chapters and similar nonprofits serving individuals with intellectual and developmental disabilities. Ideal accounts include group homes, vocational programs, and transport services. Is this program available nationwide?It is available in most U.S. states, except for Hawaii and Louisiana. Can volunteers and independent contractors be covered?Yes, the policy can be structured to include coverage for volunteers, independent contractors, and medical professionals working with the organization. What optional coverages are available?Optional enhancements include D&O with EPLI, sexual/physical misconduct liability, and equipment breakdown coverage. Is there a minimum premium requirement?Minimum premiums vary depending on the size and nature of the operation and coverages selected. Contact NIF Group Inc. for underwriting guidance. Need help placing an account? Connect with a market specialist.

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Supportive Services Insurance is a core offering from AFC Insurance Inc.'s Health & Human Services program. Built for referral service providers who support individuals with developmental or intellectual disabilities, this program delivers tailored insurance solutions that address the unique operational and professional exposures of these organizations. Overview of the Program From AFC Insurance Inc. AFC Insurance Inc., operating as a program administrator with access to multiple carrier markets, focuses on niche human services programs. Through this Supportive Services Insurance program, AFC provides flexible placement options and responsive underwriting designed for agencies and nonprofits that coordinate care, make referrals, and advise families — rather than providing direct medical treatment or residential services. Ideal Accounts and Appetite This program is best suited for organizations that provide structured referral and guidance services for people with developmental or intellectual disabilities, including: Referral services for individuals with developmental disabilities Referral services for individuals with intellectual disabilities Good-fit examples you may see in your book include a nonprofit that helps families identify appropriate community supports, or an agency that matches clients to vocational or day-program resources without providing hands-on care or housing. You may also place multi-site referral networks and small community-based coordinators under this program. Coverage Highlights and Advantages AFC’s Supportive Services Insurance program offers broad protection tailored to referral providers, including: Package policies combining General and Professional Liability Endorsements that extend coverage to volunteers and independent contractors as insureds Optional Key Employee Replacement endorsement Optional Extended Coverage endorsement with Blanket Additional Insured language Umbrella liability capacity Property and Auto coverage (subject to restrictions) Abuse and Molestation coverage where appropriate These features help agents place accounts that require both professional liability protection for referral advice and general liability for day-to-day operations, especially for nonprofit and social service models with mixed staffing arrangements. Underwriting Notes and Minimum Premiums Underwriting is submission-specific; AFC evaluates each account based on services offered, controls in place, and loss history. Minimum premiums vary with the risk profile and coverage choices. Note these common ineligible classes that fall outside the program’s appetite due to higher or more complex exposures: Adoption agencies where adoption comprises more than 25% of operations Assisted living, elder care, and residential care facilities Birthing centers Big Brothers/Big Sisters programs that include overnight activities Correctional facilities and violent youth lockdown centers Foster care agencies and psychiatric hospitals Public housing authorities Sex offender programs Standalone special events or fundraisers Student cooperative housing If you’re unsure whether a client fits, provide a brief submission outlining services, client population, staff/volunteer structure, and any existing policies or risk controls — AFC underwriters will review and advise on placement options. Territories and Availability The Supportive Services Insurance program is available in most 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. Admitted status and specific wording vary by state; AFC will work with you to determine the most appropriate admitted or non-admitted placement for each account. Why Work With AFC Insurance Inc.? AFC brings sector-specific underwriting expertise and market access that make it easier to place supportive services accounts. As a program administrator, AFC combines flexible endorsements, coverage options for volunteers and contractors, and responsive quoting to help you protect clients who coordinate care and referrals. Whether you represent a small local nonprofit or a regional referral network, AFC’s team can help you structure terms that fit the client’s operations. Frequently Asked Questions What types of accounts are a good fit for the Supportive Services Insurance program?Accounts that provide referral, placement, or care-coordination services for individuals with developmental or intellectual disabilities — where the organization does not provide direct medical care or residential housing — are generally a good fit. What coverages are included in the program?Core coverages include General and Professional Liability, with options for Property, Auto (subject to restrictions), Umbrella, and Abuse & Molestation coverage, plus endorsements for volunteers and independent contractors. Are volunteers and independent contractors covered?Yes. The program offers endorsements that can extend insured status to volunteers and independent contractors when their roles meet program criteria. What risks are not eligible for this program?Ineligible risks include adoption operations above the stated threshold, assisted living and residential care, psychiatric hospitals, sex offender programs, foster care agencies, and stand-alone events or fundraisers, among others. Is this program available nationwide?The program is available in most U.S. states listed above. Admitted status and availability can vary by state, so confirm state placement with AFC when preparing a submission. Need help placing an account? Connect with a market specialist.

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Residential Programs Insurance from Charity First Charity First specializes in placing insurance for nonprofit residential programs. As a nationwide program manager focused on the nonprofit sector, we underwrite the unique risks that come with providing housing and supportive services. Our Residential Programs Insurance package pairs flexible coverages with A.M. Best "A" rated carriers and responsive claims and billing support so your clients can focus on their missions. Whether the account is a small transitional housing project or a multi-site group home operation, our program is designed to adapt to different sizes and service models while addressing exposures common to residential care settings. Ideal Accounts and Appetite We target well-managed, mission-driven nonprofit organizations that provide housing plus supportive services. Typical accounts include: Group homes for adults with developmental disabilities Transitional housing for individuals recovering from addiction Residential shelters for at-risk youth or survivors of domestic violence Faith-based housing and supportive living programs We prefer facilities that are properly licensed, maintain clear policies and procedures, and prioritize staff training and client safety. High-risk operations (for example, unlicensed facilities, programs with violent behavioral exposures, or operations lacking adequate supervision) may be outside the appetite — submit details so underwriters can evaluate exceptions. Coverage Highlights and Advantages Charity First offers a broad set of coverages commonly requested by residential programs, including: General Liability and Professional Liability Property coverage for buildings and contents Abuse and Molestation coverage Directors & Officers liability Auto coverage, including Hired & Non-Owned Auto Workers' Compensation (available in most states) Umbrella and Excess Liability Beyond limits and forms, our program gives you access to risk management tools and a library of safety materials to help reduce claims frequency and improve operations. Underwriting Notes and Minimum Premiums Underwriters review each submission on its merits. Key items to include with a submission: Detailed description of services provided and any behavioral health or medical supports Licensing, accreditation, and local/state compliance information Staff-to-client ratios, staff training and background check procedures Claims history and prior loss details Minimum premiums vary by state, program size, and services offered. Complete submissions with the items above help speed placement and yield more accurate terms. Territories and Availability This program is available in most states and is offered on an admitted basis in most of those states. Primary territories include: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY and DC. If you have a multi-state account, include a schedule of locations with your submission. Why Work With Charity First? Charity First brings decades of experience serving nonprofit clients and works exclusively with top-rated carriers experienced in this niche. Our underwriters understand the day-to-day exposures of residential programs and offer flexibility to place complex or multi-site accounts. We also provide responsive service, a commitment to timely underwriting decisions, and access to risk management resources that help your clients operate more safely. Example scenarios that typically fit the program: A small nonprofit operating three licensed group homes for adults with developmental disabilities seeking General Liability, Property, and D&O. A faith-based transitional housing provider running a single-site shelter looking for a combined package including Abuse & Molestation coverage and Hired & Non-Owned Auto. Partner with Charity First when you need specialized underwriting for nonprofit residential operators and access to admitted paper in most states. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nonprofit organizations operating group homes, transitional housing, shelters, and other residential programs that offer social services or support to vulnerable populations. Is this program admitted or non-admitted?This program is available on an admitted basis in most states, providing regulated and dependable coverage options. What types of coverage are included?Coverage options may include General Liability, Professional Liability, Property, Abuse and Molestation, Directors & Officers, Auto, Workers' Compensation, and Umbrella coverage. Are there any specific underwriting requirements?Yes. We typically request information on licensing, services provided, staff-to-client ratios, training and background check procedures, and prior claims history. Complete submissions help expedite underwriting. In which states is this program available?The program is available in most states, including CA, TX, NY, FL, IL, PA, WA and many others. Admitted paper is offered in the majority of those states. Need help placing an account? Connect with a market specialist.

Early Intervention Development Programs are a core class in AFC Insurance Inc.'s Health & Human Services program. This program is designed to meet the unique liability and property needs of professional Early Intervention Development Programs — child care and developmental support providers that help children build motor and cognitive skills. Review the eligible classes, coverages, and program details below to see how AFC Insurance Inc. can help you place this business. Eligible List of Classes: Home & Community Based Services, Motor and Cognitive Skills Overview of the Program from AFC Insurance Inc. AFC Insurance Inc. offers a targeted program for agents placing Early Intervention Development Programs. As a program administrator, AFC works with multiple carrier markets (varies by account) to provide flexible package and standalone solutions tailored to the exposures of early childhood development and home- or community-based therapy programs. This program is intended for professional providers that deliver supervised developmental services to children and that need combined general liability, professional liability and optional property/auto protection. Ideal Accounts and Appetite Small to mid-sized early intervention centers and child development programs Home & community based service providers offering motor and cognitive skills therapy Programs that use volunteers or independent contractors (endorsement options available) Organizations seeking tailored liability programs with optional key employee replacement and abuse & molestation coverages Accounts that typically do NOT fit: large institutional providers with high-severity loss histories, programs with unlicensed or unmanaged clinical operations, or operations with complex transportation fleets (auto coverage has restrictions). Final appetite is carrier-dependent. Coverage Highlights and Advantages Package policies combining General & Professional Liability to address both general liability and allegations arising from professional services. Coverage endorsements and enhancements, including Volunteers & Independent Contractors as Insureds — useful for programs that rely on part-time staff or contracted therapists. Optional Key Employee Replacement Endorsement to help cover temporary staffing costs after a covered loss to a key staff member. Optional Extended Coverage Endorsement with Blanket Additional Insured available for contracts and facility relationships. Umbrella/excess capacity and Property coverage where exposures warrant it; Auto coverage available with some restrictions. Abuse & Molestation coverage available as an option — important for child-focused programs. Underwriting Notes and Minimum Premiums Underwriting is completed by AFC Insurance Inc. in coordination with carrier partners. Carriers and terms vary by state and account characteristics. Typical considerations include program size, staff qualifications and training, screening and hiring practices for employees and volunteers, background checks, client-to-staff ratios, facility safety, and any transportation exposures. Minimum premiums vary by carrier and state. Provide complete submissions (ACORD applications, prior loss runs, staff/volunteer screening practices, sample client agreements) to obtain accurate quotes and to identify available endorsements. Territories and Availability This program is available in most states listed: 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. Admitted status and carrier availability vary by state and by carrier; AFC places business with admitted and non-admitted markets depending on the account and jurisdiction. Why Work With AFC Insurance Inc. on Early Intervention Development Programs AFC acts as a program administrator with experience packaging liability and ancillary coverages for child-focused health & human services classes. Access to multiple carrier markets and flexible endorsements helps tailor policies to operational realities (volunteers, independent contractors, key staff roles). Responsive underwriting for small and mid-sized programs — balanced appetite that considers both professional and general liability exposures. Practical guidance to help you assemble a full submission and identify appropriate risk management items that improve placement prospects. Example accounts that fit this program You have a three-location early intervention program that provides in-home motor skill therapy and wants combined professional and general liability with volunteer coverage — this program can provide tailored endorsements and umbrella options. You represent a small community-based developmental center that needs professional liability, property, and optional key employee coverage while keeping payroll-driven exposures manageable — AFC can coordinate carrier options to match the risk profile. Coverages Available Package, General & Professional Liability, Coverage Endorsement & Enhancements including Volunteers & Independent Contractors as Insureds, Optional Key Employee Replacement Endorsement, Optional Extended Coverage Endorsement with Blanket Additional Insured, Umbrella, Property, Auto (some restrictions may apply) and Abuse & Molestation. Program Contact and Submission Tips For best results, submit a completed application, current loss runs (5 years preferred), descriptions of programs and services, staff qualifications and screening protocols, and details on any transportation or residential services. AFC Insurance Inc. underwriters evaluate each account and will identify carrier appetite and minimum premiums during the quote process. Frequently Asked Questions What types of accounts are a good fit for AFC's Early Intervention Development Programs insurance?Small-to-mid sized early intervention centers, home & community based service providers, and child development programs that provide supervised motor and cognitive skills therapy — especially those that use volunteers or independent contractors and need combined general and professional liability. What coverages and endorsements are available through this program?The program offers package and standalone General & Professional Liability, endorsements for Volunteers & Independent Contractors as Insureds, optional Key Employee Replacement and Extended Coverage with Blanket Additional Insured, umbrella/excess, property, auto (with restrictions), and optional Abuse & Molestation coverage. Specific availability depends on carrier and state. How does admitted status and carrier availability work?Carrier participation and admitted vs. non-admitted status vary by state and by the individual account. AFC places business with multiple markets and will recommend admitted or non-admitted options based on the client’s location, exposures, and desired coverages. What do underwriters want to see in a submission?Underwriters typically request a completed application, recent loss runs, program descriptions, staff hiring and screening policies (including volunteer screening), training protocols, and details on transportation or residential services. Complete submissions speed underwriting and help identify available endorsements and pricing. Need help placing an account? Connect with a market specialist.

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