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...ilities. Our Services for the Developmentally Disabled Insurance program is pa... service providers that care for developmentally disabled adults, including those offering ...

...ilities. Our Services for the Developmentally Disabled Insurance program is pa... service providers that care for developmentally disabled adults, including those offering ...

...rking with clients who assist developmentally disabled or mentally handicapped...roviding residential services to developmentally disabled, mentally handicapped, or elderly...

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.

...aregivers of elderly, ill, or developmentally disabled individuals—an essentia...ning a summer adventure camp for developmentally disabled teens or a nonprofit offering day...

...developmental disabilities) Developmentally Disabled services Good-fit accounts are stru...

...arget classes include: Developmentally disabled residents Youth at ... residential group homes serving developmentally disabled individuals, at-risk youth, those...

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.

Group homes serve as vital residential facilities for individuals with chronic disabilities, developmental delays, or behavioral challenges. These homes typically house six or fewer individuals and provide 24/7 care through trained staff. As an agent or broker, you understand the unique risks these operations face—including professional liability, general liability, and property exposures. Colonial General Insurance Agency, Inc. offers a specialized Group Home Insurance program tailored to meet these specific needs. Overview of the Program from Colonial General Colonial General is a Managing General Agency and Excess & Surplus Lines Broker with access to a range of markets, including some admitted options. Our Group Home Insurance program is designed for small, community-based residential settings that care for children or adults with chronic disabilities. Our goal is to help agents like you place these sensitive and specialized risks with confidence. Ideal Accounts and Appetite This program targets group homes that operate in a professional, structured environment with trained staff. Ideal accounts include: Privately owned group homes for adults with developmental or physical disabilities Children’s group homes with state or private licensing Homes that do not transport clients (non-owned auto can still be included) We are best suited for standard, single-family homes that are licensed or certified and follow established care protocols. Homes involved in high-risk behaviors, unlicensed operations, or facilities with histories of abuse or neglect may not qualify. Coverage Highlights and Advantages Our program provides flexible and comprehensive coverage options, including: Separate or combined Commercial General Liability (CGL) and Professional Liability (PL) limits Occurrence form General Liability coverage Defense costs either inside or in addition to policy limits Punitive damages coverage where permissible Minimum premium range from $2,000 to $4,000, depending on policy limits Incident-sensitive coverage with a discovery clause Primary coverage available for employed MDs and psychologists Non-owned auto coverage available Underwriting Notes and Minimum Premiums Underwriting is focused on the safety and management practices of the facility, staff qualifications, and claims history. Minimum premiums typically start between $2,000 and $4,000, depending on coverage limits and the specifics of the risk. Providing complete and accurate applications with supporting documentation will help speed the underwriting process. Territories and Availability This Group Home Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. We have access to admitted and non-admitted markets depending on the location and risk profile. Why Work With Colonial General? With Colonial General, you gain a partner who understands the complexities of group home risks. Our internal underwriting expertise, broad market access, and flexible coverage structures make us a strong choice for agents seeking reliable solutions for these sensitive accounts. Whether your client is opening a new facility or looking to improve coverage terms on an existing one, our team is ready to assist. Frequently Asked Questions What types of group homes are eligible for this program?Eligible homes typically include licensed residential facilities for adults or children with developmental, physical, or behavioral challenges, operating in a single-family home setting. Is professional liability included in the policy?Yes, professional liability can be written separately or combined with general liability, depending on the risk and the insured’s needs. Do you offer coverage for staff who are licensed medical professionals?Yes, primary coverage is available for on-staff MDs and psychologists as part of the program. What is the minimum premium for this program?Minimum premiums typically range from $2,000 to $4,000, depending on policy limits and underwriting factors. In which states is this program available?The program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.