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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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...ilities. Our Services for the Developmentally Disabled Insurance program is pa...e & Molestation, Property, Auto, and Workers’ Compensation (where available). What underwr...

Crisis Centers Insurance Program from AFC Insurance Inc. AFC Insurance Inc. offers a specialized Crisis Centers Insurance program designed to support organizations that provide vital emergency and advisory services to individuals in distress. This program is part of AFC’s broader Social & Human Services Insurance offerings, built to address the complex risk profiles of nonprofits and community-focused organizations. Whether your client operates a 24/7 crisis hotline, a walk-in mental health facility, or a rehabilitation program, this insurance solution is designed to deliver comprehensive protection tailored to their services. AFC Insurance Inc. serves as a Program Administrator, giving agents and brokers access to competitive coverage options through a variety of carriers. Ideal Accounts and Target Classes This program is best suited for organizations that offer urgent or ongoing crisis support services, including but not limited to: Mental Health Care Facilities Domestic Violence Programs and Shelters Alcohol & Drug Rehabilitation Centers Suicide Prevention Programs and Hotlines You might have a client who runs a nonprofit crisis center offering emergency counseling and temporary housing. Or perhaps a regional behavioral health organization providing outpatient services and referral hotlines—these are the kinds of accounts that fit well within this program’s appetite. Coverage Highlights and Advantages The program offers a robust range of coverages that respond to the unique exposures found in crisis intervention services. Available coverages include: Package Policies General Liability and Professional Liability Abuse & Molestation Coverage Umbrella Liability Property and Auto Coverage (with some restrictions) Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These features help agents provide peace of mind to clients who rely on a mix of paid staff, volunteers, and third-party providers to deliver critical community services. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class, size of operations, services provided, and location. AFC Insurance works with agents to understand the nuances of each submission, aiming for efficient underwriting and tailored solutions. Accounts with strong risk management practices, documented procedures, and staff training are especially desirable. Territories and Availability This 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. The program is admitted in most of these states, though availability and restrictions may vary by location and class. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings deep expertise in the social and human services sector, with a long-standing commitment to helping community-based organizations secure the right protection. As a program administrator, AFC offers access to multiple carriers and flexible underwriting approaches. Their team understands the unique challenges that crisis centers face and can help you deliver responsive, well-rounded insurance solutions to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for crisis centers, mental health facilities, domestic violence shelters, suicide prevention hotlines, and substance abuse treatment programs. Are volunteers and independent contractors covered?Yes, the program includes endorsements that allow for coverage of volunteers and independent contractors as insureds. Is Abuse & Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, helping protect against serious liability exposures in crisis care environments. In which states is the program available?The Crisis Centers Insurance program is available in most states across the U.S., including CA, NY, TX, FL, and many others. Availability may vary by state and class. What is the minimum premium for this program?Minimum premiums vary by type of account, size of operation, and coverage needs. AFC Insurance Inc. evaluates each submission individually to determine pricing. Need help placing an account? Connect with a market specialist.

Significant expertise and underwriting infrastructure are essential when it comes to insuring crisis centers and similar social service organizations. NIF Group Inc. offers a tailored Crisis Centers Insurance program designed specifically for nonprofits, mental health facilities, and social service providers that deliver critical services to vulnerable populations. Agents working with these accounts need insurance solutions that go beyond basic coverage—and NIF Group delivers that with comprehensive protection and program flexibility. This program provides vital liability protection for the organization, its employees, and volunteers. Policies can be structured to extend coverage to independent contractors, healthcare professionals, and others involved in delivering services. Whether your client operates a small local crisis hotline or a multi-location behavioral health facility, NIF Group can help protect their mission and operations. Ideal Accounts and Program Appetite The Crisis Centers Insurance program is built for a wide range of nonprofit and social service providers, including: Community crisis hotlines Suicide prevention centers Domestic violence shelters and support centers Mental health counseling facilities Behavioral health and addiction recovery programs Accounts with volunteer staff, onsite counseling, outreach programs, and mobile services are all eligible considerations. Organizations with healthcare providers on staff or contractual medical professionals can also be accommodated under the professional liability options. Coverage Highlights and Advantages NIF Group’s package policies offer broad, customizable coverage to meet the unique risks associated with crisis and social services operations. Standard coverages include: General liability insurance Professional liability, including healthcare liability Property insurance Auto liability and physical damage Boiler and machinery Crime insurance Umbrella/excess liability Optional enhancements are available to address more specialized exposures: Employee benefits liability Equipment breakdown Sexual/physical misconduct coverage Directors & Officers (D&O) for nonprofits, with EPLI Coverage can be tailored to match the operational structure—whether your client relies heavily on volunteers, contracts with outside counselors, or employs medical personnel directly. Underwriting Notes and Minimum Premiums Minimum premiums vary based on account size, services provided, and coverage selections. NIF Group’s underwriters are experienced in evaluating nonprofit and healthcare-related risks and can work with agents to structure appropriate and competitive terms. Loss control support and claims expertise are also key parts of the offering, helping your clients manage risk and respond effectively when incidents occur. Territories and Availability This program is available in nearly all U.S. states, with the exception of Hawaii and Louisiana. Coverage can be written on an admitted basis where available. States include CA, TX, FL, NY, IL, PA, and most others—see the full list for specific state availability. Why Work With NIF Group Inc.? NIF Group Inc. is a trusted program administrator with deep experience in the nonprofit and human services space. Their specialized underwriting knowledge, broad market access, and responsive service make them a valuable partner for agents placing crisis center and social services accounts. You can rely on NIF Group to help you navigate complex exposures and deliver tailored coverage solutions that protect your clients and support their mission-driven work. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nonprofit crisis centers, counseling facilities, suicide prevention hotlines, domestic violence shelters, and behavioral health organizations. Can this program cover medical professionals working with the organization?Yes, the program can be structured to include professional liability for employed or contracted medical personnel, including counselors and healthcare providers. Is volunteer staff covered under this policy?Yes, volunteers are commonly included in the policy, and coverage can be customized to account for their roles and responsibilities. What is the minimum premium for this program?Minimum premiums vary depending on the size and scope of the organization, as well as selected coverages. Contact NIF Group for underwriting details. In which states is this program available?The program is available in most U.S. states, except Hawaii and Louisiana. It is offered on an admitted basis where applicable. Need help placing an account? Connect with a market specialist.

King Support Systems Insurance Services offers a flexible and responsive Commercial Umbrella Insurance program tailored to meet the needs of agents and brokers serving clients in Arizona, California, Nevada, Oregon, and Washington. Whether you're placing business for contractors, property owners, retail operations, or other commercial risks, this program provides the additional liability limits your clients need to protect their assets beyond the coverage of underlying policies. Territory Available in CA, AZ, NV, OR, and WA Admitted and Non-Admitted options available depending on state and class of business Service Highlights In-house rating for faster quotes Quick turnaround on submissions Options for direct or agency billing Competitive commissions for most business classes Ideal Accounts and Appetite Commercial accounts with revenues up to $25 million Available over most classes of business, including general contractors, manufacturing, habitational, retail, and hospitality Underlying carriers must be rated A-VII or better Accounts with loss history under $100,000 in the past five years This program is a great fit if you have a client with extensive premises liability exposure or one looking to meet contractual insurance requirements. For example, a construction firm with multiple job sites or a shopping center owner with large foot traffic may benefit from the added protection of an umbrella policy. Coverage Highlights Umbrella limits up to $10 million available Excess liability options available for higher limits Follows form over qualified underlying policies Minimum Premium $500.00 Commercial Umbrella Insurance Why Choose King Support Systems Insurance Services As a Managing General Underwriter and Excess & Surplus Lines Broker, King Support Systems brings strong market relationships and underwriting expertise to support your placements. Their responsive team, in-house quoting capabilities, and flexible billing options offer a streamlined experience for agents and brokers. Whether you’re working with standard or hard-to-place risks, King Support Systems provides practical solutions with competitive pricing and reliable turnaround times. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for commercial clients with revenues up to $25 million, including contractors, property owners, retailers, and hospitality businesses that need higher liability limits. What are the coverage limits available?Umbrella limits are available up to $10 million, with excess liability options for accounts needing higher coverage. Are both admitted and non-admitted options available?Yes, King Support Systems offers both admitted and non-admitted options depending on the class of business and state. What are the minimum premium requirements?The minimum premium for this program starts at $500, making it accessible for a wide range of accounts. How quickly can I receive a quote?With in-house rating capabilities, King Support Systems provides quick turnaround on most submissions. Need help placing an account? Connect with a market specialist.

NIF Group Inc. offers a focused insurance program for drug and alcohol rehabilitation facilities that combines deep underwriting expertise with carrier capacity from Liberty Mutual Insurance. Designed for agents and brokers, this program provides flexible package solutions for inpatient detox centers, outpatient treatment clinics, sober living homes, residential detox facilities, and nonprofit or faith-based recovery programs. Policies can be tailored to the client’s operations and to include medical staff, volunteers, and independent contractors. As a program administrator, NIF Group Inc. provides agents direct access to broad coverages and responsive underwriting. The platform supports simple single-site placements as well as multi-location outpatient networks, and it is built to address the mix of general liability, professional liability, property, and specialty exposures that are common in behavioral health and substance-use treatment settings. Ideal Accounts and Appetite This program is designed for a wide range of drug and alcohol rehabilitation operations, including: Inpatient and outpatient treatment centers Residential detox facilities Sober living homes Nonprofit and faith-based recovery programs Typical fits include single-site nonprofit detox programs, multi-location outpatient counseling networks, and licensed sober living operations. Accounts with licensed clinicians, documented policies and procedures, and basic risk management practices are preferred. High-severity claims histories, unmanaged medication programs, or facilities operating outside state licensing norms may require additional review. Coverage Highlights and Advantages Package policies are available to combine core and specialty coverages for a coordinated solution. Core options include: General Liability Insurance Professional Liability (including healthcare liability) Property Insurance Auto Insurance Boiler and Machinery Insurance Crime Insurance Umbrella Coverage Enhancements and optional modules can be added to reflect the account’s exposures, such as: Employee Benefits Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Directors & Officers Liability for nonprofits, including EPLI Policies can be structured to explicitly include volunteers, contractors, and licensed medical professionals so that individuals involved in patient care are covered under the program’s terms. Underwriting Notes and Minimum Premiums NIF Group’s underwriting team evaluates each submission to match coverages to the facility’s operations, staff mix, and risk controls. There is no minimum premium requirement, which allows placement of both small and larger accounts. Be prepared to provide client details such as licensing, staffing credentials, patient intake procedures, medication management protocols, and any prior claims history to accelerate review. Territories and Availability The program is available in most U.S. states (the company markets through admitted and non-admitted platforms depending on the state and risk characteristics). Coverage is not offered in Hawaii and Louisiana. NIF has placement experience in major markets including CA, TX, NY, and FL, and across many other states. Why Work With NIF Group Inc. NIF Group Inc. combines behavioral-health specialty underwriting with strong carrier relationships to simplify placement for agents and brokers. As a program administrator, NIF delivers focused intake, flexible policy design, and access to Liberty Mutual Insurance capacity—helping agents place complex rehab and recovery risks with clarity and speed. The underwriting team’s familiarity with nonprofit operations, volunteer programs, and licensed clinical services is a practical advantage when structuring coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited for inpatient and outpatient rehab centers, residential detox facilities, sober living homes, and nonprofit recovery organizations with documented policies and standard clinical controls. Can this program cover medical professionals and volunteers?Yes. Policies can be structured to include coverage for licensed medical staff, volunteers, and independent contractors who participate in the facility’s operations. Is there a minimum premium requirement?No. There is no minimum premium, making the program suitable for both small single-site operations and larger multi-location networks. What states is this program available in?The program is available in most U.S. states (admitted or non-admitted as appropriate) with the exception of Hawaii and Louisiana. What carrier backs this program?NIF Group places this program with Liberty Mutual Insurance, providing established carrier capacity and underwriting support. Need help placing an account? Connect with a market specialist.