Search CompleteMarkets

...essional fleet management, formal driver hiring/training programs, and regular... financial statements, and a current drivers list with MVRs. What limits and d...

...t includes client rosters, staff training records, written policies and proced...pplication, recent loss runs, staff training and supervision policies, medicat...

...eatures such as paid professional drivers, commercial concessions, or non-club...es?Underwriting reviews the level of driver training, whether professional drivers are involved, safety controls, ev...

...(preferably 3 years) and MVRs for drivers. Details on loading/unloading pr...d and radius), recent loss runs, and driver MVRs. Additional information on lo...

AFC Insurance Inc. offers a specialized Health & Human Services Program tailored for organizations that support individuals with cerebral palsy. Through our Cerebral Palsy Centers Insurance program, we help agents and brokers place comprehensive coverage for day programs and residential facilities that serve this critical population. Ideal Accounts and Appetite Our program is designed for non-profit and for-profit organizations that provide services to individuals with Cerebral Palsy. Eligible classes include: Day Programs Residential Facilities This program is ideal for accounts that offer structured support services, therapy, housing, and daily care for individuals with developmental and physical disabilities. Whether your client operates a single residential facility or a network of day programs, AFC Insurance can help you find the right coverage solutions. Coverage Highlights and Advantages Our Cerebral Palsy Centers Insurance program offers a wide range of coverages to protect your client’s operations and personnel. Available coverages include: Package Policies General Liability & Professional Liability Endorsements for Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Umbrella & Excess Liability Property Auto (restrictions may apply) Abuse & Molestation Coverage These coverages are structured to help shield organizations from the unique risks that come with serving vulnerable populations, including liability exposures related to caregiving, transportation, and employment practices. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the operation. Factors such as number of residents, staffing levels, services provided, and claims history will influence underwriting. We work closely with agents to review submissions and provide tailored solutions based on each facility’s needs. Territories and Availability This program is available in most states, including but not limited to: CA, FL, IL, NY, TX, PA, OH, and WA. We are licensed in over 45 states, offering admitted solutions in most areas. Please contact us to confirm eligibility based on your client’s location. Why Work With AFC Insurance Inc. As a trusted Program Administrator, AFC Insurance Inc. has deep experience in the health and human services sector. Our team understands the specialized needs of facilities serving individuals with Cerebral Palsy and other complex conditions. We offer responsive service, flexible underwriting, and access to a range of carriers to help you place and retain this important business. From custom enhancements to abuse coverage and more, we’re committed to helping you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is best suited for day programs and residential facilities that serve individuals with cerebral palsy. Both non-profit and for-profit organizations may be eligible. Is Abuse and Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, subject to underwriting review. Can volunteers and independent contractors be covered?Yes, our endorsements can include volunteers and independent contractors as insureds, helping protect all aspects of your client’s operations. Are auto coverages available for transporting clients?Auto coverage is available, though certain restrictions may apply. Please submit full details for underwriting consideration. In what states is this program available?The program is available in most states, including AL, CA, FL, NY, TX, and many others. Contact us to verify eligibility in your client’s state. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized Eating Disorders Insurance program within its Health & Human Services suite. The program is designed for organizations that provide care and rehabilitation for individuals with eating disorders and helps agents and brokers place coverage for facilities delivering structured support such as counseling, behavioral health treatment, nutritional advising, residential care, and life coaching. Ideal Accounts and Appetite This program targets organizations focused on treating and supporting individuals with eating disorders, including: Residential treatment centers Outpatient counseling and therapy providers In-patient housing programs Nutrition and behavioral health clinics Life coaching and wellness centers focused on eating disorder recovery Covered diagnoses include Anorexia Nervosa, Bulimia Nervosa, Binge Eating Disorder, Compulsive Overeating, and other clinically recognized eating disorders. Coverage Highlights and Advantages AFC’s program delivers a flexible suite of coverages to protect organizations from the liability and operational risks common in human services and behavioral health care. Available options include: Package policies General Liability and Professional Liability Endorsements to add Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement endorsement Optional Extended Coverage with Blanket Additional Insureds Umbrella and Excess Liability Property and Auto (subject to underwriting restrictions) Abuse & Molestation coverage These coverages address exposures faced by providers working with vulnerable populations in both residential and outpatient settings. Underwriting Notes and Minimum Premiums Minimum premiums depend on the size, services, and location of the operation. AFC works with a panel of carriers to create tailored programs and applies underwriting criteria suited to behavioral health and human services risks. Note that auto coverage may carry specific restrictions and is evaluated on a case-by-case basis. Territories and Availability This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and PA. AFC Insurance Inc. can write this program in all of the following states: 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. Why Work With AFC Insurance Inc.? As a program administrator with deep experience in the health and human services sector, AFC understands the specialized risks associated with treating eating disorders. AFC offers tailored coverage options supported by experienced underwriters and access to multiple carrier partners. Whether your client is a start-up residential facility or an established outpatient clinic, AFC can provide flexible solutions and responsive service for this niche area of care. Frequently Asked Questions What types of accounts are a good fit for this program?Residential treatment centers, outpatient therapy and counseling programs, nutrition clinics, in-patient housing programs, and wellness organizations that focus on eating disorder recovery are strong fits. Is this program available on an admitted basis?Yes. Coverage is available on an admitted basis in most states, depending on the specific risk profile and jurisdiction. Are volunteers and independent contractors covered?Yes. The program includes endorsements that allow volunteers and independent contractors to be added as insureds when appropriate. What is the minimum premium for this program?Minimum premiums vary by operation size, services offered, and location. Contact AFC for underwriting guidelines and pricing details. Which states is this program available in?The program is available in most states nationwide, including CA, TX, FL, NY and many others; a full list of eligible states is provided above. Need help placing an account? Connect with a market specialist.

...ersonal-use vehicles or high-risk drivers may limit auto offerings; disclose delivery practices and driver screening procedures. Food handling...ry practices, vehicle schedules, and driver screening before offering auto pro...

...pacity, ownership (owned/leased), driver qualifications, and usage Agents sho...