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Individual Residential Alternatives Insurance is a key component of AFC Insurance Inc.’s comprehensive Health & Human Services program. Designed for service providers supporting individuals with developmental or intellectual disabilities, this specialized insurance solution helps protect providers offering care in supervised apartment settings. If you’re working with clients who assist developmentally disabled or mentally handicapped individuals seeking independent living with supportive oversight, this program is built for their unique risks and exposures. Ideal Accounts and Appetite This program is specifically tailored for organizations and caregivers offering residential services to: Developmentally Disabled individuals Mentally Retarded/Mentally Handicapped persons Elderly individuals requiring supportive living arrangements These may include non-profits, private care agencies, and other organizations managing Individual Residential Alternatives (IRAs), supervised apartments, or similar facilities where residents receive daily living support. Coverage Highlights and Advantages The program offers a robust package of insurance coverages to address the complex liability and operational exposures faced by IRA providers. Available coverages include: General Liability and Professional Liability Property and Auto (with some restrictions) Umbrella coverage for extended limits Abuse and Molestation coverage Coverage Endorsements and Enhancements, including: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds This flexibility allows agents to meet the specific needs of each client, whether they operate a small group home or a multi-location care organization. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size and scope of the operation, as well as selected coverages. AFC Insurance Inc. evaluates each submission with a focus on aligning coverage to specific exposures. Certain auto risks may be restricted, and a strong risk management or training program is often favorable in underwriting. Example accounts that fit well include: A community-based nonprofit operating several supervised apartments for adults with developmental disabilities A private agency providing 24/7 care to elderly clients in an Individual Residential Alternative setting 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 written on an admitted basis in most states, though availability may vary based on class and carrier. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a trusted program administrator with deep experience in Health & Human Services insurance. Their Individual Residential Alternatives Insurance program is designed with the unique exposures of caregiving and supportive housing in mind. Agents benefit from a responsive underwriting team, flexible coverage options, and access to a variety of carriers. Whether you're helping a startup nonprofit or an established care provider, AFC can help you deliver tailored solutions that protect your clients and support their mission. Frequently Asked Questions What types of accounts are a good fit for this program?Organizations providing residential services to developmentally disabled, mentally handicapped, or elderly individuals in supervised apartment settings are ideal candidates. Is abuse and molestation coverage included?Yes, abuse and molestation coverage is available as part of the program to help address critical liability exposures in caregiving environments. Are volunteers and independent contractors covered?Yes, the program offers endorsements that include volunteers and independent contractors as insureds, helping clients extend protection beyond regular employees. Which states is this program available in?The program is available in most states, including NY, CA, TX, FL, and many others. Availability may vary depending on the specific risk and carrier. What are the minimum premium requirements?Minimum premiums vary depending on coverage selections, risk size, and operations. AFC evaluates each submission individually to determine premium requirements. Need help placing an account? Connect with a market specialist.

Significant expertise and infrastructure are required to effectively underwrite ARC (Association for Retarded Citizens) chapters and similar organizations serving individuals with intellectual and developmental disabilities. At NIF Group Inc., we understand that these nonprofit and social service risks often involve more complexity than initially meets the eye. That’s why we offer a comprehensive insurance program specifically designed for ARCs and related organizations—giving agents the tools to protect their clients and support long-term service relationships. Program Overview Our ARC Insurance Program provides robust liability protection tailored to the unique needs of organizations that serve people with intellectual and developmental disabilities. Coverage can extend to employees, volunteers, independent contractors, and even medical professionals working with the organization. Our package policies are flexible and can be customized to address a wide range of operational exposures. Ideal Accounts and Appetite This program is a strong fit for nonprofit organizations, residential and day programs, and social service agencies affiliated with ARC chapters or serving similar populations. Target accounts include: Community-based residential facilities Day habilitation and vocational training centers Transportation services for individuals with disabilities Supportive housing and group homes You might have a client operating several group homes staffed by case workers and volunteers, or one offering vocational programs for adults with disabilities—these are great candidates for this program. Coverage Highlights and Advantages Our package policies are built to protect every aspect of your client's operations—from property and fleet to liability exposures involving employees and volunteers. Key coverages include: General liability insurance Professional liability, including healthcare-related exposures Auto insurance (including owned and non-owned vehicles) Property insurance for offices and facilities Boiler and machinery coverage Crime coverage Umbrella/excess liability Optional coverages available to further strengthen protection: Employee benefits liability Equipment breakdown Sexual and physical misconduct liability Nonprofit Directors & Officers (D&O) with EPLI Underwriting Notes and Minimum Premiums Minimum premium varies based on account size, services offered, and selected coverages. NIF Group Inc. brings deep underwriting knowledge to this niche sector, helping agents navigate complex risk profiles and find the right coverage fit. Submissions involving residential care, transportation, or professional medical services are welcome for review. Territories and Availability This program is available in most states across the U.S., excluding Hawaii and Louisiana. We currently offer coverage in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Why Work With NIF Group Inc. NIF Group Inc. is a trusted program administrator specializing in niche markets. Our team has the underwriting depth and market access to support agents placing nonprofit and social service risks. We work closely with retail brokers to understand their clients' operations and provide tailored coverage solutions that address real-world exposures. Whether you’re placing a single ARC chapter or a multi-location nonprofit, our team is ready to help you secure the right coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for ARC chapters and similar nonprofits serving individuals with intellectual and developmental disabilities. Ideal accounts include group homes, vocational programs, and transport services. Is this program available nationwide?It is available in most U.S. states, except for Hawaii and Louisiana. Can volunteers and independent contractors be covered?Yes, the policy can be structured to include coverage for volunteers, independent contractors, and medical professionals working with the organization. What optional coverages are available?Optional enhancements include D&O with EPLI, sexual/physical misconduct liability, and equipment breakdown coverage. Is there a minimum premium requirement?Minimum premiums vary depending on the size and nature of the operation and coverages selected. Contact NIF Group Inc. for underwriting guidance. Need help placing an account? Connect with a market specialist.

No one wants to imagine an active assailant incident at their organization, but preparing for that risk is important. Irwin Siegel Agency offers an Active Assailant Insurance Product that combines liability, property, business interruption and response cost coverage with practical risk-management support. If a tragic incident occurs, this program is designed to help your clients stabilize operations and help address financial and human impacts. Overview of the Program from Irwin Siegel Agency As a program administrator working with Aegis, Irwin Siegel Agency places specialized active assailant coverage for a broad range of public-facing and mission-driven organizations. The program pairs tailored insurance forms with risk-management tools and online training designed to improve preparedness and support recovery. You can use this program to place accounts that need focused coverage for violent incidents and the downstream operational impacts. Coverage highlights Legal Liability – Defense and indemnity for damages an insured is legally obligated to pay following an incident. Physical Damage – Coverage for loss, damage, or destruction to insured property caused by an incident. Business Interruption – Indemnity for earned income and continuing operating expenses after a covered physical loss. Extra Expense – Payments for reasonable extra costs to continue operations or resume more quickly. Response Fees – Expenses incurred to avoid, minimize, or mitigate damage to property or persons. Product enhancements and additional features Offsite extension for incidents that occur while insureds are working away from scheduled locations. Event cancellation extra expense coverage. Accidental death benefit for insured persons. Insureds can include clients/residents, volunteers, and guests. Grief counseling benefits for insureds and immediate family members. Vehicle coverage that includes all-terrain vehicles and snowmobiles where applicable. Relocation and emergency travel expense coverage. Eligible classes Social and human service providers Academic institutions Healthcare providers Hospitality businesses, hotels Stadiums, venues, festivals, nightclubs Retailers, banks, transport hubs Risk management & training Irwin Siegel Agency pairs this program with risk-mitigation resources and online training to help insureds reduce exposure and improve response. Available courses include: Active Shooter Training – life-saving preparedness training developed with law enforcement subject matter experts. Violence in the Workplace – prevention and response education for employees. Intro to Site Security – foundational guidance on security controls and workplace protection. Ideal accounts and appetite This program fits organizations that maintain public access or gather large groups and that need comprehensive coverage for violent incidents and related operational losses. Typical good fits include: Behavioral health and social service agencies with walk-in clients K-12 and higher education campuses Hospitals, outpatient clinics, and long-term care facilities Hotels, event venues, stadiums, and festival organizers Retail centers and transportation hubs Accounts with formal emergency plans, onsite security, or active risk-management programs are particularly well-positioned for placement. Underwriting notes and minimum premium Underwriting typically considers occupancy, capacity, security measures, prior loss history, and emergency response planning. Documentation such as security assessments, incident response plans, and training records will help during submission. Minimum premium: Varies. Territories and admitted status Admitted status: All Available States. This program is available in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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. Please confirm state availability and admitted/non-admitted placement options at submission time. Why place this business through Irwin Siegel Agency? Program administrator experienced in placing specialized coverages with Aegis. Integrated risk-management resources and online training to support insureds before and after an incident. Flexible enhancements that address both human and property impacts of active assailant events. Dedicated underwriting with a focus on public-facing organizations and mission-driven accounts. Example scenarios You might have a nonprofit community center that hosts public events and wants both liability and business interruption protection for violent incidents. Or a regional university seeks a program that pairs counseling benefits and event cancellation coverage with property and response fees—this program can be structured to address those needs. For more information about our Active Assailant Program, give us a call today at 800.622.8272 or visit the program page of our website, https://www.siegelagency.com/insurance-programs/active-assailant/. Frequently Asked Questions What types of accounts are a good fit for this program?Public-facing organizations with exposure to mass gatherings or walk-in clients—such as schools, healthcare facilities, venues, social service providers, and hotels—are the primary targets. Accounts with documented security or emergency plans are especially attractive. What coverages are included and can limits be adjusted?The program includes legal liability, physical damage, business interruption, extra expense, and response fee coverage, plus optional enhancements such as offsite extension, event cancellation expense, and grief counseling. Limits and sublimits can be tailored through underwriting depending on account size and risk profile. What submission materials will underwriters want?Underwriters typically request occupancy details, loss history, a summary of security and emergency response plans, staffing levels, and information about recent training or drills. Providing these items up front speeds placement. Are risk-management tools and training included?Yes. Irwin Siegel Agency pairs this offering with online training and other risk-management resources to help insureds prepare and reduce exposure. These tools are a key part of the program's value proposition. How do I confirm availability and minimum premium?State availability is listed on the program; admitted status is noted as "All Available States." Minimum premium varies by account—contact Irwin Siegel Agency for current minimums and to discuss a specific submission. Need help placing an account? Connect with a market specialist.

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AFC Insurance Inc.’s Autism Insurance program is offered through its Human & Social Services Insurance platform. As a program administrator with access to multiple admitted carriers, AFC provides flexible, industry-specific solutions for organizations that deliver services to individuals diagnosed with autism. The program can be structured to cover diagnostic assessments, behavioral health therapy, rehabilitative services, counseling, and pharmacy-related support — with options to combine general and professional liability into a single package policy. Ideal Accounts and Appetite This program is designed for a range of autism-service organizations. Typical classes we place include: Autism services providers — outpatient centers, in-home therapy providers, and day-program operators Special schools — private or nonprofit schools focused on special education for children with autism spectrum disorders From the agent’s perspective: this is a good market when your client needs protection for both general liability exposures (slips/trips, premises) and professional exposures (therapy, assessments, treatment plans). AFC is particularly useful for accounts with part-time staff, regular volunteers, or contracted therapists who require endorsed coverage. Coverage Highlights and Advantages Offered on an admitted basis in most states, the program bundles a broad set of coverages that human and social services organizations commonly need: General Liability and Professional Liability (errors & omissions) Package policy options to simplify placement and reduce coverage gaps Endorsements and enhancements, including: Volunteers & independent contractors included as insureds Optional key employee replacement Optional blanket additional insured endorsement for contractual relationships Umbrella and excess limits to extend primary liability capacity Property and auto coverage (subject to underwriting restrictions) Abuse & molestation coverage — available where admitted These options help agents tailor policies for multi-location programs, mobile in-home services, and organizations that rely on volunteers or subcontractors. Underwriting Notes and Minimum Premiums Underwriting emphasizes the operational controls that reduce liability exposures: staff training and credentials, documented treatment plans, background checks, supervisory ratios, and client intake/consent procedures. Common factors that affect pricing and acceptability include the types of services provided, frequency of in-home work, staff composition (W-2 employees vs. contractors), and prior loss history. Minimum premiums and final terms vary by state, carrier, and selected coverages. AFC works directly with agents to identify the optimal carrier within their panel and structure limits and endorsements to match the client’s risk profile and budget. Territories and Availability The program is available in most U.S. jurisdictions. AFC currently offers this product in 49 states plus Washington, DC. Availability and specific coverage features can vary by state, so confirm state eligibility and any local restrictions when submitting a referral. Why Work With AFC Insurance Inc. AFC brings focused underwriting experience in the human and social services sector and access to admitted markets that prefer specialty program business. As a program administrator, AFC can tailor package solutions, place complex or multi-location accounts, and provide agent support through underwriting consultation and flexible endorsements. Example placements that fit well: you might have a mid-sized private autism therapy center operating from several leased locations that needs both professional liability and umbrella limits; or a nonprofit special education school relying on volunteers and contracted therapists that requires volunteer-insured endorsements and abuse & molestation coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Autism therapy providers, special education schools, and nonprofit organizations offering autism-related services are ideal fits. Is this program available on an admitted basis?Yes, the program is offered on an admitted basis in most states. Are volunteers and independent contractors covered?Yes, volunteers and independent contractors can be included as insureds through available coverage endorsements. What coverages are typically included in the program?The program includes general liability, professional liability, property, auto (with some restrictions), umbrella, and abuse & molestation coverage, along with optional enhancements. In which states is this program available?The program is available in 49 states plus Washington, DC. Contact AFC Insurance Inc. for availability in specific states. Need help placing an account? Connect with a market specialist.

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Early Intervention Development Programs are a core class in AFC Insurance Inc.'s Health & Human Services program. This program is designed to meet the unique liability and property needs of professional Early Intervention Development Programs — child care and developmental support providers that help children build motor and cognitive skills. Review the eligible classes, coverages, and program details below to see how AFC Insurance Inc. can help you place this business. Eligible List of Classes: Home & Community Based Services, Motor and Cognitive Skills Overview of the Program from AFC Insurance Inc. AFC Insurance Inc. offers a targeted program for agents placing Early Intervention Development Programs. As a program administrator, AFC works with multiple carrier markets (varies by account) to provide flexible package and standalone solutions tailored to the exposures of early childhood development and home- or community-based therapy programs. This program is intended for professional providers that deliver supervised developmental services to children and that need combined general liability, professional liability and optional property/auto protection. Ideal Accounts and Appetite Small to mid-sized early intervention centers and child development programs Home & community based service providers offering motor and cognitive skills therapy Programs that use volunteers or independent contractors (endorsement options available) Organizations seeking tailored liability programs with optional key employee replacement and abuse & molestation coverages Accounts that typically do NOT fit: large institutional providers with high-severity loss histories, programs with unlicensed or unmanaged clinical operations, or operations with complex transportation fleets (auto coverage has restrictions). Final appetite is carrier-dependent. Coverage Highlights and Advantages Package policies combining General & Professional Liability to address both general liability and allegations arising from professional services. Coverage endorsements and enhancements, including Volunteers & Independent Contractors as Insureds — useful for programs that rely on part-time staff or contracted therapists. Optional Key Employee Replacement Endorsement to help cover temporary staffing costs after a covered loss to a key staff member. Optional Extended Coverage Endorsement with Blanket Additional Insured available for contracts and facility relationships. Umbrella/excess capacity and Property coverage where exposures warrant it; Auto coverage available with some restrictions. Abuse & Molestation coverage available as an option — important for child-focused programs. Underwriting Notes and Minimum Premiums Underwriting is completed by AFC Insurance Inc. in coordination with carrier partners. Carriers and terms vary by state and account characteristics. Typical considerations include program size, staff qualifications and training, screening and hiring practices for employees and volunteers, background checks, client-to-staff ratios, facility safety, and any transportation exposures. Minimum premiums vary by carrier and state. Provide complete submissions (ACORD applications, prior loss runs, staff/volunteer screening practices, sample client agreements) to obtain accurate quotes and to identify available endorsements. Territories and Availability This program is available in most states listed: 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. Admitted status and carrier availability vary by state and by carrier; AFC places business with admitted and non-admitted markets depending on the account and jurisdiction. Why Work With AFC Insurance Inc. on Early Intervention Development Programs AFC acts as a program administrator with experience packaging liability and ancillary coverages for child-focused health & human services classes. Access to multiple carrier markets and flexible endorsements helps tailor policies to operational realities (volunteers, independent contractors, key staff roles). Responsive underwriting for small and mid-sized programs — balanced appetite that considers both professional and general liability exposures. Practical guidance to help you assemble a full submission and identify appropriate risk management items that improve placement prospects. Example accounts that fit this program You have a three-location early intervention program that provides in-home motor skill therapy and wants combined professional and general liability with volunteer coverage — this program can provide tailored endorsements and umbrella options. You represent a small community-based developmental center that needs professional liability, property, and optional key employee coverage while keeping payroll-driven exposures manageable — AFC can coordinate carrier options to match the risk profile. Coverages Available Package, General & Professional Liability, Coverage Endorsement & Enhancements including Volunteers & Independent Contractors as Insureds, Optional Key Employee Replacement Endorsement, Optional Extended Coverage Endorsement with Blanket Additional Insured, Umbrella, Property, Auto (some restrictions may apply) and Abuse & Molestation. Program Contact and Submission Tips For best results, submit a completed application, current loss runs (5 years preferred), descriptions of programs and services, staff qualifications and screening protocols, and details on any transportation or residential services. AFC Insurance Inc. underwriters evaluate each account and will identify carrier appetite and minimum premiums during the quote process. Frequently Asked Questions What types of accounts are a good fit for AFC's Early Intervention Development Programs insurance?Small-to-mid sized early intervention centers, home & community based service providers, and child development programs that provide supervised motor and cognitive skills therapy — especially those that use volunteers or independent contractors and need combined general and professional liability. What coverages and endorsements are available through this program?The program offers package and standalone General & Professional Liability, endorsements for Volunteers & Independent Contractors as Insureds, optional Key Employee Replacement and Extended Coverage with Blanket Additional Insured, umbrella/excess, property, auto (with restrictions), and optional Abuse & Molestation coverage. Specific availability depends on carrier and state. How does admitted status and carrier availability work?Carrier participation and admitted vs. non-admitted status vary by state and by the individual account. AFC places business with multiple markets and will recommend admitted or non-admitted options based on the client’s location, exposures, and desired coverages. What do underwriters want to see in a submission?Underwriters typically request a completed application, recent loss runs, program descriptions, staff hiring and screening policies (including volunteer screening), training protocols, and details on transportation or residential services. Complete submissions speed underwriting and help identify available endorsements and pricing. Need help placing an account? Connect with a market specialist.