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Non Emergency Medical Transportation Insurance Program From PMC Insurance Group PMC Insurance Group offers a specialized Non Emergency Medical Transportation (NEMT) Insurance Program tailored for transportation providers serving vulnerable populations. Whether your insured operates wheelchair vans, shuttle buses, or sedans, this program is designed to meet the unique liability and coverage needs of NEMT operators. Agents and brokers can access a competitive market with admitted, A-rated carriers and a proven underwriting process through PMC Insurance Group, a trusted wholesale broker with deep expertise in transportation risks. Ideal Accounts and Target Classes This program is ideal for transportation providers who serve individuals with: Mobility impairments Vision or hearing impairments Mental or developmental disabilities Elderly passengers Medicaid-qualified riders Coverage is suitable for small to mid-sized NEMT businesses that operate scheduled, non-emergency transportation services to medical appointments, adult day care, dialysis centers, and similar destinations. Accounts with experience in passenger transport and a clean loss history are preferred. Example: You might have a client running a six-vehicle fleet transporting Medicaid patients to and from dialysis appointments across rural or suburban communities—this is a strong fit for the program. Coverage Highlights and Advantages Guaranteed Cost options available Admitted markets with A-rated carriers (varies by state) Dedicated underwriting for NEMT risks Support for complex underwriting submissions (MOD sheets, loss runs, etc.) PMC Insurance Group understands the regulatory and operational challenges your insureds face and brings valuable expertise to help you navigate underwriting requirements and secure coverage efficiently. Underwriting Requirements and Minimum Premium Minimum premium starts at $7,500, with final pricing based on risk profile, state, and insured operations. Submissions should include: 5 years of loss runs Completed ACORD application Current MOD sheet (if applicable) Eligibility and carrier availability vary by state, and certain higher-risk classes or operations may be subject to additional underwriting review. Territories and Availability This program is available in most states, including AL, AZ, CT, DE, ID, IL, IN, IA, KS, KY, ME, MD, MI, MS, MO, MT, NV, NH, NY, NC, OK, RI, SC, SD, TN, TX, UT, VT, VA, DC, and WV. Not available in: AR, CA, FL, GA, MA, and PA. Why Work With PMC Insurance Group? PMC Insurance Group is a trusted wholesale broker with strong carrier relationships and a responsive underwriting team focused on transportation-related risks. Their NEMT program offers a reliable market for agents seeking tailored coverage solutions for clients in this growing and essential industry. From underwriting expertise to personalized service, PMC helps agents close more accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-emergency medical transportation providers that serve passengers with disabilities, the elderly, or Medicaid-qualified individuals. Fleets operating sedans, vans, or minibuses for scheduled transportation qualify best. What states is the program available in?The program is available in most states, including NY, TX, IL, and others. It is not available in AR, CA, FL, GA, MA, or PA. What are the minimum submission requirements?Agents should provide 5 years of loss runs, a completed ACORD application, and a current MOD sheet to begin the underwriting process. Are the carriers admitted?Yes, the program uses admitted A-rated carriers where available. Availability may vary depending on the state. Is there a minimum premium?Yes, the minimum premium starts at $7,500, but actual pricing depends on the specific risk characteristics and location of the account. Need help placing an account? Connect with a market specialist.

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.

Social Service and Human Service organizations are established businesses that are dedicated to serving others. Whether they are serving and helping children, women, men, senior citizens; they strive to meet individual’s needs. These organizations are designed with knowledge, skills and focus on enhancing the well beings of individuals. They promote remedies for problem solving, prevention and learning to maintain commitments and they address the core issues people deal with. Servicing families, individuals and communities is challenging but also very rewarding in how people’s lives change for the better! Target Classes:• Addiction Services • Mental Health Services • Developmental Disabilities • Youth Services • Community Services • Adult Daycare • Foster Care • Domestic Adoption Available Products:• Abuse and Molestation • HNOA • Crime • Cyber Liability • Directors and Officers • Employment Practices Liability • General Liability • Professional Liability This industry has one of the highest employment rates and is one of the largest employers. With so many employees providing service to others, risks are highly increased for claims, negligence, privacy breaches etc. Your clients’ are interacting directly with the public so it’s imperative to carry a good Social/Human Service Insurance policy! Our Social/Human Service Insurance carrier products are specifically designed to protect those in business of serving others. We have partnered with multiple admitted and non-admitted insurance carriers to provide your clients with competitive and comprehensive quotes. Specialized coverages, enhancements and endorsements in addition to risk management tools and services are included or available, depending on the market. We also have package products available from some markets. Here at AP Advantage we acknowledge submissions via email within 24 hours. If you do not receive a response from us within 24 hours then please call us at 855-298-6007. We are happy to discuss how our Social/Human Service Insurance is the solution for you and your clients.

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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.

...alcohol treatment centers Developmentally disabled treatment centers Domestic viole...gton, D.C. Can I submit a standalone Workers’ Compensation or Cyber Liability policy?No. Workers’ compensation and cyber liability are offered...