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Homeless Shelters Insurance is a dedicated pr...icies are a strong fit. Are drop-in shelters eligible for coverage?No. Drop-in shelters are currently ineligible for plac...

...ng the developmentally disabled, homeless, or elderly Group Homes, Day Workshops, Homeless Shelters, Senior Day Care facilities...iders, group homes, senior centers, homeless shelters, and organizations serving youth ...

...ilored for organizations such as shelters, group homes, and community-based re...this program?Ideal accounts include shelters for battered individuals, transit...

... Domestic Violence Programs and Shelters Alcohol & Drug Rehabilitatio...ealth facilities, domestic violence shelters, suicide prevention hotlines, and...

...the Developmentally Disabled Homeless Shelters and Transitional Housing Alcohol...vice Agencies Domestic Violence Shelters and Support Centers Group Hom...

Overview — AFC Insurance Inc. Not-For-Profit Housing Facilities Insurance AFC Insurance Inc. offers a targeted Health & Human Services program for not-for-profit housing facilities. This program is designed for transitional and low-income housing providers that combine affordable housing with an active social service component — for example, counseling, case management, job-readiness or other programs that help residents move from temporary to permanent housing. Ideal Accounts and Appetite You can use this program to place not-for-profit providers focused on temporary-to-affordable housing and low-income housing programs. Typical fits include: Transitional housing programs with documented social services (case management, counseling, re-entry support) Small to medium low-income housing projects operated by 501(c)(3) organizations Programs that operate residential units plus program vans or staff vehicles used in support services Accounts that lack a social service component, operate as licensed medical or skilled nursing facilities, or present unusually high liability exposures may not fit. Submit unusual or complex risks for review — appetite and terms vary by carrier. Coverage Highlights Property coverage for buildings, contents and tenant improvements (limits and forms vary by carrier) Auto coverage for owned or program vehicles used to transport residents or staff (symbol and usage restrictions apply) Program Administrator placement through a variety of carrier partners — admitted or non-admitted availability depends on state and carrier Underwriting Notes and Documentation Underwriters will want to see evidence of the social service component and operational controls. Typical submission requirements include: Statement of operations describing resident eligibility, length of stay and program services Loss runs for current carrier (if any) Copies of lease or occupancy agreements and residential rules Driver lists and vehicle use policies for auto exposures Safety, screening and eviction procedures Minimum premiums and specific terms vary by carrier and state; AFC Insurance Inc. will confirm minimum premium requirements on submission. Territories and Availability Coverage is available in most states; capacity and admitted status vary by carrier. This program is available in the following jurisdictions: 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 Place This Business With AFC Insurance Inc.? As a program administrator focused on Health & Human Services risks, AFC Insurance Inc. provides access to multiple carrier markets and underwriting expertise for not-for-profit housing operators. You’ll benefit from a tailored appetite for transitional and supportive housing, flexible placement options (property and auto), and underwriting that understands the operational nuances of social service programs. Example Accounts Small nonprofit with a 20-unit transitional housing program offering counseling and job support — needs property coverage and a program van on a single policy. Community housing agency operating multiple low-income buildings with on-site case management — needs building and contents protection, plus limited auto coverage for staff transport. If you have a potential submission that fits the classes above, prepare the program description and basic loss information and submit for quotation — carrier availability and terms will be confirmed on review. Frequently Asked Questions What types of accounts are a good fit for this program?Not-for-profit organizations that operate transitional or low-income housing with an active social service component (counseling, case management, job readiness, re-entry programs). The program focuses on housing providers rather than licensed medical or skilled nursing facilities. What coverages are available through AFC Insurance Inc.?Property and auto coverage are the primary offerings for this program. Limits, forms and endorsements depend on the carrier selected and the state of placement. Are there specific underwriting requirements I should include with submissions?Yes. Provide a description of program operations, resident screening and stay limits, loss runs, lease or occupancy agreements, and vehicle use policies if auto is requested. These items speed underwriting and improve placement prospects. How does admitted vs. non-admitted placement work for this program?Admitted status varies by carrier and state. AFC Insurance Inc. works with multiple markets, so placement as admitted or non-admitted depends on the risk profile and state regulations. The program is available in most states listed above. Need help placing an account? Connect with a market specialist.

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.

AFC Insurance Inc. offers a specialized Health & Human Services Program designed to meet the unique insurance needs of Mentoring Programs. These programs foster positive, goal-oriented relationships between students and professional adult mentors. AFC understands the risks and responsibilities involved in these services and provides tailored insurance solutions to help protect both the organizations and the individuals they serve. This program is ideal for non-residential mentoring programs—overnight operations are not eligible. All participating staff and volunteers must undergo employment background checks to qualify. AFC’s underwriting team is experienced in evaluating human service risks and works closely with agents to deliver responsive and effective coverage options. Ideal Accounts and Appetite AFC is looking to partner with agents who have clients operating educational or social development programs that include mentorship as a core component. Eligible classes include: Education Programs GED Preparation Programs Literacy and Reading Assistance Programs These programs must focus on structured, daytime mentoring services and may include both volunteers and paid staff. Organizations that emphasize youth development, academic support, or life skills training are typically a strong fit. If you have a client running a community-based youth tutoring program or a nonprofit offering career mentoring for at-risk teens, this program may be an excellent placement opportunity. Coverage Highlights and Advantages AFC’s Mentoring Programs Insurance offers broad, flexible coverage to address the real-world exposures these organizations face. 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 Insureds Commercial Umbrella Property Coverage Commercial Auto (with restrictions) Abuse & Molestation Coverage These coverages are designed to protect the organization and its people—especially in areas where liability can be high due to working with minors or vulnerable populations. Underwriting Notes and Minimum Premiums AFC requires thorough employment background checks for all staff and volunteers involved in mentoring activities. Overnight or residential mentoring programs are not eligible under this offering. Minimum premiums vary depending on risk characteristics, size of the organization, and selected coverages. AFC’s underwriting team works with agents to evaluate each submission on its individual merits. Territories and Availability This program is available in most states on an admitted basis. Current availability includes but is not limited to AL, AZ, CA, CO, FL, GA, IL, IN, MA, MI, NC, NJ, NY, OH, PA, TX, VA, and WA, among others. If you’re unsure whether your state is eligible, AFC welcomes submissions for review. Why Work With AFC Insurance Inc.? As a dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in Health & Human Services insurance. Their focus on niche programs like mentoring services allows them to offer tailored underwriting, flexible endorsements, and responsive service. With access to multiple carriers and a broad appetite across most states, AFC is a reliable partner for agents seeking dependable markets for their nonprofit and educational clients. Frequently Asked Questions What types of accounts are a good fit for this mentoring program insurance?Ideal accounts include non-residential mentoring programs such as youth literacy initiatives, GED tutoring services, and adult-to-youth career mentoring programs that operate during the day and require background checks for all staff and volunteers. Are overnight or residential mentoring programs eligible?No, this program is for non-residential mentoring services only. Overnight or residential risks are not eligible under AFC’s current underwriting guidelines. What coverage options are available through this program?Available coverages include General and Professional Liability, Property, Auto (restrictions apply), Umbrella, Abuse & Molestation, and optional endorsements for key employee replacement and additional insureds. Is this program available in all states?The program is available in most states, including CA, TX, NY, FL, and others. Agents should check with AFC for availability in specific states. Do volunteers and independent contractors receive coverage?Yes, endorsements are available to include volunteers and independent contractors as insureds, helping protect everyone involved in the mentoring operation. 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.

AFC Insurance Inc. offers a specialized Property and Auto Insurance program tailored for Nursing Homes. This program is designed to meet the unique needs of residential care facilities that serve elderly individuals and people living with chronic illnesses or disabilities. As a program administrator, AFC brings targeted expertise and access to multiple carrier markets to help agents place these specialized risks efficiently and competitively. Ideal Accounts and Appetite This insurance program is specifically built for licensed Nursing Homes that provide long-term residential care. Ideal accounts include facilities with property exposures such as buildings, medical equipment, and contents, as well as auto exposures like owned or leased vehicles used for resident transport, staff mobility, or supply runs. This program is not intended for assisted living facilities, independent living communities, or group homes unless they operate under a licensed nursing home model. General Liability and Professional Liability are not included in this offering, so the account must have those coverages placed elsewhere or not be required. Coverage Highlights and Advantages Property Coverage: Protects buildings, business contents, medical equipment, and other physical assets. Auto Coverage: Covers owned vehicles used for resident transportation and other facility operations. Access to multiple carriers to match the right fit based on risk profile and location. Program structure supports agents looking to address core P&C exposures for healthcare facilities. This program provides a streamlined solution for agents placing the core property and auto exposures, allowing them to focus on other lines separately if needed. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and complexity of the facility, number of vehicles, and overall risk characteristics. AFC works closely with agents to identify qualifying accounts and streamline the submission process. Clean operations with well-maintained facilities and safety protocols are typically a strong fit. You might have a client operating a mid-sized nursing home with a vehicle fleet of two vans used for resident transport—this is the type of account that fits well within the program’s appetite. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, and PA. AFC offers this coverage on an admitted basis in most available states. If you’re unsure whether your client’s location is eligible, AFC’s underwriting team can quickly confirm availability. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a trusted program administrator with deep expertise in niche healthcare risks. With flexible market access and a focus on operational efficiency, AFC helps agents place coverage for nursing home facilities with confidence. Whether you're working with a single-location care center or a growing network of facilities, AFC offers the tools and underwriting support needed to close business efficiently and serve clients well. Frequently Asked Questions What types of accounts are a good fit for this program?Licensed nursing homes with property and auto exposures are the primary target. Facilities with clean operations and established safety procedures are ideal. Does this program include liability coverage?No, this program provides Property and Auto coverage only. General Liability and Professional Liability are not included. What is the minimum premium for this program?Minimum premiums vary depending on the size and risk profile of the facility. Contact AFC for specific underwriting guidelines. Is the program available in my state?The program is available in most U.S. states. Reach out to AFC to confirm availability in your client’s location. Can I place accounts with multiple locations?Yes, multi-location nursing home accounts can be considered, depending on their operations and exposures. Need help placing an account? Connect with a market specialist.