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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.

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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Insurance for Associations for Retarded Citizens is a specialized offering within AFC Insurance Inc.’s Human & Social Services Insurance Program. Built for ARCs and similar nonprofit or community-based providers, this program addresses the unique risks of supervised care, vocational training, life-skills instruction, and behavioral support for individuals with developmental disabilities, mental illnesses, or cognitive impairments. Ideal Accounts and Appetite This program is designed for professionally operated Associations for Retarded Citizens and related nonprofit or community organizations. Typical eligible classes include: Job placement and supported employment services Vocational training and day programs Life skills and independent-living coaching Behavioral therapy and support services Public social interaction and community integration programs Accounts that commonly fit the appetite are non-residential and residential programs that provide structured training, employment readiness, and supervised community activities. Programs with direct care, one-on-one support, or transportation services may require additional underwriting detail. Coverage Highlights and Advantages AFC Insurance Inc. provides broad, customizable packages to address core exposures for ARC providers. Core and optional coverages include: Commercial General Liability and Professional Liability Package options combining liability and property limits Endorsements extending coverage to volunteers and independent contractors Optional key employee replacement coverage Blanket additional insureds and extended coverage endorsements (optional) Umbrella and excess liability layers Property and commercial auto (subject to availability and restrictions) Abuse & molestation coverage available subject to underwriting The program’s flexibility allows you to tailor limits and endorsements to match client operations and risk-management practices. Underwriting Notes and Minimum Premiums Underwriting evaluates operations, staffing, client population, supervision ratios, transportation, background checks, and safety protocols. Submissions should include a detailed description of services, organizational structure, loss history, and written policies for hiring, supervision, and incident reporting. Minimum premiums vary by state, size, and exposure. AFC Insurance Inc. works with agents to identify the appropriate coverage layers and price point for each account. Territories and Availability The program is available in most states, including CA, TX, FL, NY, IL, PA, and GA, and is generally placed in admitted markets where possible to provide admitted paper and broader regulatory protections. Availability and coverages may vary by state and carrier. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a program administrator with focused expertise in human and social services. Their underwriters understand ARC operations and the common loss drivers in this sector, and they work collaboratively with agents to structure responsive, market-accessible solutions. Whether you need a standalone liability policy or a full package including property and abuse coverage, AFC can provide access to multiple markets and a practical underwriting approach. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nonprofit or community-based organizations offering supervised care, vocational training, or behavioral support services for individuals with developmental disabilities or mental impairments. Is abuse and molestation coverage included in the policy?Yes. Abuse and molestation coverage is available as part of the program’s offerings, subject to underwriting review and approval. Are volunteers and independent contractors covered?Yes. Endorsements and enhancements are available to extend coverage to volunteers and independent contractors where appropriate. Which states is this program available in?The program is available in most states, including CA, TX, FL, NY, IL, PA, and many others across the U.S. Specific coverages and market availability may vary by state. What information is needed to submit an account?Provide detailed descriptions of operations, prior loss history, types of services provided, staffing levels, supervision ratios, transportation practices, and written safety protocols. Need help placing an account? Connect with a market specialist.

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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.

Group Home Insurance from RPS NIPC is a specialty program built to meet the insurance needs of residential care providers that serve individuals with physical, developmental, or intellectual disabilities. Designed for both for-profit and non-profit operators, this admitted nationwide program gives agents access to broad, integrated protection for the operational and professional risks common in group home settings. RPS NIPC has been placing Social Service Insurance since 1976 and brings deep sector expertise to this line. The Group Home Insurance program is offered on an admitted basis and is underwritten by American Alternative Insurance Corporation (AAIC), an A.M. Best A+ XV carrier. This program is positioned for agents who need an admitted, scalable solution for single-site homes up through multi-site organizations managing multiple residences and service models. Ideal Accounts and Appetite This program targets residential care facilities that provide long-term or transitional housing for vulnerable populations. Typical fits include: Group homes serving individuals with developmental, intellectual, or physical disabilities Residential programs for physically impaired residents Transitional housing and supportive-living programs Small non-profit providers up to larger multi-site operators Accounts that usually fit well: operations with trained, screened staff; structured care plans; and documented policies for medication, supervision, and incident reporting. Accounts that commonly need special consideration include facilities with high client-to-staff ratios, unlicensed programs in regulated states, or operations offering high-risk clinical services. Coverage Highlights and Advantages The Group Home Insurance program bundles coverages that address the full spectrum of exposures for residential care facilities: Professional Liability — malpractice and negligent care allegations General Liability — premises and third-party bodily injury Physical & Sexual Abuse Liability — specialist abuse coverage wording Automobile Liability — owned, hired and non-owned auto exposures Management Liability — Directors & Officers with EPLI options Property, Inland Marine & Crime — building, contents and theft/fidelity protection Excess Liability — higher limits for catastrophic incidents Packaging these coverages through one admitted program helps reduce coverage gaps and simplifies claims coordination for your clients. Underwriting Notes and Minimum Premiums RPS NIPC underwriters evaluate operations with attention to clinical services, staffing, licensing, and loss control. Minimum premiums vary by account size and scope; contact the RPS underwriting team for precise quoting. When preparing a submission, include clear information on: Population served and client acuity Number of homes and locations Services provided (medical, behavioral, vocational, etc.) Staffing levels, screening, and training practices Licensing, accreditation, and inspection history Five-year loss run history and any regulatory actions Territories and Availability The program is available on an admitted basis in all 50 states and Washington, DC: 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 Work With RPS NIPC As a Program Administrator focused on social services, RPS NIPC offers underwriters with sector experience, responsive service, and admitted paper through a top-rated carrier. Agents benefit from: Specialized underwriting tailored to group home risks Admitted solutions that simplify placement and compliance Flexible packaging to address operational and management exposures Access to excess capacity and property/crime options for consolidated limits Example account scenarios: You might have a small non-profit operating three group homes seeking admitted limits and abuse coverage, or a regional provider with a mix of residential and transportation exposures that needs combined GL, professional, auto, and D&O protection on admitted paper. To learn more about Group Home Insurance and other RPS NIPC Specialty Programs, please visit our website. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include group homes serving residents with physical or developmental disabilities, transitional housing programs, and both non-profit and for-profit residential care facilities. Is the program admitted in all states?Yes. The Group Home Insurance program is available on an admitted basis in all 50 states and Washington, DC. What carrier underwrites this program?The program is underwritten by American Alternative Insurance Corporation (AAIC), rated A+ XV by A.M. Best. What is the minimum premium for this program?Minimum premiums vary by the size, scope, and services of the facility. Contact RPS NIPC for an accurate quote based on the account details. What types of liability are included in the coverage?Coverage includes professional liability, general liability, abuse and molestation, auto liability, management liability (D&O with EPLI), property, crime, and excess liability. Need help placing an account? Connect with a market specialist.

Comprehensive Insurance Solutions for Physically Handicapped Support Services AFC Insurance Inc. offers a specialized Physically Handicapped Insurance Program through its Health & Human Services platform. Designed for organizations that support individuals with physical disabilities and related challenges, this program provides tailored insurance solutions to address the unique risks these service providers face. Ideal Accounts and Target Classes This program is an excellent fit for agencies and organizations that offer services to individuals with: Physical handicaps Visual impairments or blindness Hearing impairments or deafness Motor skill or mobility challenges Traumatic Brain Injury (TBI) Speech and language difficulties requiring therapy You might have a client that runs a day center for adults with mobility disabilities or an organization that offers in-home services to individuals recovering from TBI—this program is built to support those kinds of accounts. Coverage Highlights and Advantages AFC Insurance Inc. delivers broad and flexible coverage options to help protect your clients’ operations, staff, and the people they serve. Available coverages include: Package policies tailored to human service providers General Liability and Professional Liability Endorsements covering Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Umbrella and Excess Liability Property and Auto (some restrictions apply) Abuse & Molestation coverage Whether your client provides facility-based care or mobile services, this program helps them manage liability exposures, operational risks, and regulatory requirements effectively. Underwriting Considerations and Minimum Premiums Minimum premiums vary depending on risk characteristics, size, and services provided. AFC Insurance Inc. underwrites each submission with a focus on the specific needs of human services organizations. Submissions should include detailed information about services offered, staffing, training protocols, and any history of claims. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, PA, and GA. AFC Insurance Inc. offers admitted coverage in many jurisdictions, helping your clients meet local regulatory requirements while maintaining flexibility in program design. Why Work With AFC Insurance Inc. As a program administrator with deep experience in the human services sector, AFC Insurance Inc. understands the specialized needs of organizations that serve the physically handicapped community. Their markets vary by risk and state, offering agents and brokers access to tailored solutions from top-rated carriers. You can count on responsive underwriting, flexible coverage structures, and a true partner in placing this important niche business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for organizations serving individuals with physical disabilities, including facilities or agencies offering support for the visually impaired, deaf, mobility-challenged, or those with TBI or speech therapy needs. Are volunteers and independent contractors covered under this program?Yes, coverage endorsements are available that can include volunteers and independent contractors as insureds, depending on the needs of your client. Is this program available in all states?The Physically Handicapped Insurance Program is available in most states, including CA, TX, FL, NY, and many others. Availability may vary by coverage and carrier. What information is needed for a submission?Submissions should include a detailed description of services, staffing levels, training procedures, safety protocols, and any prior claims history. What is the minimum premium for this program?Minimum premiums vary based on the type and size of the organization. AFC Insurance Inc. evaluates each risk individually to determine appropriate pricing. Need help placing an account? Connect with a market specialist.