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Specialized Insurance for Mentally Retarded/Mentally Handicapped Services AFC Insuranc... clients, staffing ratios, training programs, licensing, and any prior insuran...

...ions serving students with developmental disabilities, mental handicaps, behavioral challenges, or ...t learning centers that serve developmentally disabled, autistic, or behaviora...

...givers of elderly, ill, or developmentally disabled individuals—an essential y...l for respite care providers, developmental disability camps, hospice services, TBI programs, ARCs, and nonprofit organization...

...eligious Youth Groups Outreach Programs To qualify, insureds must conduct m... groups, church-affiliated outreach programs, and nonprofit organizations serv...

... housing, family shelters, youth programs, or structured transitional living w...less shelters, transitional housing programs, and nonprofits serving men, wome...

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... care for individuals with developmental and physical disabilities. Whether yo...?Our program is best suited for day programs and residential facilities that s...

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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.