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...educe liability exposures: staff training and credentials, documented treatmen...therapy providers, special education schools, and nonprofit organizations offe...

...r driving school provides quality driver training, American Specialty can provide qual...counts include closed-course driving schools, performance and experiential pro...

After School Programs Insurance is a core offering from AFC Insurance Inc.’s Health & Human Services Program. Built for the distinct exposures of youth-serving organizations, this specialty insurance solution helps agents and brokers place tailored coverage for tutoring centers, recreational programs, mentoring services, and similar after school operations. AFC combines flexible forms, abuse & molestation options, and program-focused underwriting to address the real-world risks your clients face. Ideal Accounts and Appetite This program fits professional after school and youth-focused programs that operate in structured, supervised environments. Common classes include: After School Programs Anti-Bullying Programs Tutoring Centers Recreational Activities Homework Help Programs Mentoring Services Boys and Girls Clubs (excluding overnight stays) Programs must demonstrate appropriate supervision and risk management practices. Overnight programs, residential care, or operations with unsupervised high-risk activities typically fall outside standard appetite but can be reviewed case-by-case. Coverage Highlights and Advantages AFC's After School Programs Insurance provides a flexible suite of coverages designed for the liability and operational risks these organizations face. Available options include: Package policies combining key coverages General Liability & Professional Liability Endorsements and enhancements, such as: Volunteers & independent contractors added as insureds Optional key employee replacement Optional extended coverage with blanket additional insureds Umbrella liability Property coverage Auto coverage (subject to underwriting restrictions) Abuse & Molestation coverage, available and configurable by account These options help your clients manage exposures from premises liability and professional errors to more sensitive allegations—an important consideration for youth-serving organizations. Underwriting Notes and Minimum Premiums Underwriting evaluates staffing levels, supervision protocols, background screening, facility controls, program activities, and prior loss history. Minimum premiums and final terms vary by account size, services offered, and state. Provide detailed operational information—staff ratios, volunteer use, activity descriptions, safety procedures, and contracts—for the fastest response from AFC underwriters. Territories and Availability The program is offered in most states and is available on an admitted basis in the majority of those territories. AFC writes accounts in a wide range of 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. Availability and admitted status vary by state and line. Why Work With AFC Insurance Inc. AFC is a program administrator focused on Health & Human Services markets and understands the operational and liability challenges of youth-serving organizations. AFC offers access to multiple carriers, a program-style appetite for niche placements, and underwriters who will work with you on endorsements and risk-transfer solutions that other markets may decline. Example scenarios you can place through AFC: A suburban tutoring center with part-time staff and volunteer mentors seeking combined general and professional liability with abuse coverage added. A community recreation program that needs package coverage including property, GL, and an umbrella for larger events and off-site activities. Working with AFC gives you a responsive underwriting team, flexible forms suited to after school risks, and admitted options in many states to help meet compliance needs. Frequently Asked Questions What types of accounts are a good fit for this program? Ideal accounts include after school programs, tutoring centers, recreational programs, mentoring services, and Boys and Girls Clubs that do not offer overnight stays. Is Abuse & Molestation coverage included? Yes. Abuse & Molestation coverage is available as part of the program and can be tailored to each account’s needs. Do you cover volunteers and independent contractors? Yes. The program offers endorsements that add volunteers and independent contractors as insureds to broaden protection for your client’s workforce. Are these policies admitted or non-admitted? The program is offered on an admitted basis in most available states, which can simplify compliance and policy administration where admitted filings are required. What is the submission process like? Provide detailed information on services offered, staffing and supervision protocols, volunteer use, risk management practices, and any prior losses. AFC underwriters collaborate with appointed agents to streamline quoting and placement. Need help placing an account? Connect with a market specialist.

...eements and residential rules Driver lists and vehicle use policies for au...

...ervised travel Clear volunteer training and screening records Provide detai...

... provide program policies, staff training procedures, volunteer screening prot...

...ltiple retail locations, delivery drivers, and in-house repair techs. An i...

...documented procedures, and staff training are especially desirable. Territo...

...ce operators that use third-party drivers, owner-drivers, or employee drivers to deliver food. Coverage is monolin...ear plus four prior years, a current drivers list, and MVRs for owners, managers, and drivers (random sampling may be used for ...

AFC Insurance Inc. offers a specialized HIV / AIDS Insurance program within its Health & Human Services Program. Designed to support organizations that serve individuals living with HIV/AIDS, this program is tailored for service providers delivering critical care, resources, and advocacy. It is structured to address the unique risks these organizations face, providing comprehensive coverage options and flexible underwriting to meet a variety of operational needs. Ideal Accounts and Appetite This program is intended for nonprofit and for-profit organizations that provide direct services to individuals living with HIV/AIDS. Typical eligible accounts include: Community-based HIV/AIDS service organizations Hospice providers caring for HIV/AIDS patients Nutrition and wellness counseling programs tailored for HIV-positive individuals These organizations commonly deliver a mix of medical, emotional, and social services such as case management, life coaching, housing assistance, transportation, and educational outreach. Ineligible risks: needle exchange programs are excluded from this program. Coverage Highlights and Advantages Agents can place a broad package of coverages designed for health and human services providers. Available coverages and enhancements include: General Liability and Professional Liability Property and Auto (subject to underwriting restrictions) Umbrella Liability Abuse & Molestation coverage Coverage enhancements such as: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured The program is structured to address exposures common to these organizations, including professional liability arising from counseling services, claims involving volunteers, and auto liability related to client transportation. Underwriting Notes and Minimum Premiums Minimum premiums vary by account based on size, services provided, and coverage selections. AFC Insurance Inc. works with multiple carrier partners to offer flexible solutions and competitive pricing for qualifying risks. For accurate quoting, submissions should include full operational details: services offered, client population, staffing and volunteer structure, transportation usage, and any risk management practices or incident history. Territories and Availability The HIV / AIDS Insurance program is available in most states, including major markets such as CA, NY, TX, FL, IL, and PA. In total the program spans more than 45 states plus DC. Coverage is available on an admitted basis in most states; state-specific placement options and forms may vary. Why Work With AFC Insurance Inc. As a dedicated Program Administrator, AFC Insurance Inc. brings specialized underwriting expertise in the health and human services sector. Their team understands the sensitive and complex risks organizations serving people living with HIV/AIDS face. AFC provides access to multiple markets, specialized endorsements, and underwriting flexibility—helping you place accounts that might not fit standard markets. Agent scenarios where this program fits well: You have a small nonprofit that provides nutrition counseling and case management to HIV-positive clients and needs professional liability plus volunteer coverage. You represent a larger community-based provider that offers transportation and hospice care and requires a combination of general liability, professional liability, and auto coverage with abuse & molestation protections. Whether your client is a small counseling program or a multi-service provider, AFC’s program is structured to deliver appropriate protection with responsive underwriting and market access. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for organizations that provide direct services to individuals living with HIV/AIDS, including hospices, counseling centers, and community support agencies. Are needle exchange programs eligible for coverage?No. Needle exchange programs are specifically excluded from eligibility under this program. What coverages are included in the package?Typical offerings include General and Professional Liability, Property, Auto (with restrictions), Umbrella, Abuse & Molestation, plus endorsements for volunteers and key employees. Is this program available nationwide?The program is available in most U.S. states, including major markets like NY, CA, TX, and FL. Availability and form types vary by state—check with AFC for state-specific details. What is the minimum premium for this program?Minimum premiums vary by risk characteristics, services provided, and selected coverages. Contact AFC Insurance Inc. for a tailored quote based on the account details. Need help placing an account? Connect with a market specialist.