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

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Home Medical Equipment Dealers Insurance from AFC Insurance Inc. AFC Insurance Inc. offers a focused Home Medical Equipment Dealers Insurance program through its Health & Human Services (H&HS) platform. This program is built for agents placing durable medical equipment (DME) dealers — businesses that sell, rent, deliver, install, or service mobility and respiratory equipment for patients receiving care at home. Ideal Accounts and Appetite This program targets Home Medical Equipment Dealers and DME providers of varying sizes. Typical fits include storefront retailers, regional suppliers with delivery fleets, and independent dealers who service home-bound or elderly patients. Good-fit examples: A regional DME supplier with multiple retail locations, delivery drivers, and in-house repair techs. An independent dealer that sells mobility aids and provides home delivery, setup, and periodic maintenance for elderly clients. A small rental-focused company supplying hospital beds and oxygen concentrators to hospice or home health patients. Operations that typically do not fit under the broader H&HS program include Assisted Living Facilities, Birthing Centers, Correctional Facilities, Psychiatric Hospitals, and Adoption Agencies that represent more than 25% of operations. Review the full ineligibility list before submission. Coverage Highlights and Advantages AFC's program offers broad liability and property solutions tailored to the exposures common in the DME industry. Key coverages and options include: General Liability and Professional Liability designed for product sales, rentals, and service work Package policies that can include Property and Auto (subject to carrier restrictions) Umbrella Liability options for excess protection Abuse & Molestation coverage where applicable Endorsements and enhancements such as: Volunteers & Independent Contractors treated as insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured Underwriting Notes and Minimum Premiums Underwriting evaluates account size, revenue composition (sales vs. rental vs. service), fleet exposure, and loss history. Minimum premiums vary by carrier, state, and risk characteristics; AFC works with multiple markets to provide competitive terms and flexible retentions for appropriate risks. Prepare submissions with details on revenue by class, vehicle schedules, employees performing installations, and any service protocols to speed review. Territories and Availability The 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. Coverage is admitted in most available states, providing agents access to admitted paper where required. Why Work With AFC Insurance Inc.? As a Program Administrator focused on Health & Human Services niches, AFC combines underwriting expertise with access to multiple carrier partners. Agents receive market-specific guidance, flexible endorsements tailored to DME exposures, and responsive submission support to place complex accounts. If you have clients in the DME space who need admitted capacity, tailored liability forms, or package solutions that include property and auto, AFC is positioned to help you place and service that business. Frequently Asked Questions What types of accounts are a good fit for this program?Accounts that sell, rent, or service durable medical equipment — including storefront retailers, companies that deliver and install equipment at patients' homes, and rental-focused suppliers — are ideal. Mobility equipment dealers, oxygen suppliers, and in-home device vendors are common examples. Are there any operations that are not eligible?Yes. Ineligible operations under the H&HS platform include Assisted Living Facilities, Birthing Centers, Psychiatric Hospitals, Correctional Facilities, and Adoption Agencies when they represent more than 25% of operations, among others. Confirm eligibility before submitting. What coverages are included in the Home Medical Equipment Dealers Insurance program?The program offers General and Professional Liability, package policies that may include Property and Auto (with carrier restrictions), Umbrella options, Abuse & Molestation coverages where applicable, and optional endorsements like Key Employee Replacement and Blanket Additional Insured. Is this program admitted or non-admitted?This program is admitted in most available states, giving agents access to admitted capacity for clients in jurisdictions where admitted paper is preferred or required. Which states is this program available in?The program is available in most U.S. states, including major markets such as CA, FL, TX, and NY. Refer to the full state list in the program details for availability by state. Need help placing an account? Connect with a market specialist.

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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.

AFC Insurance Inc. offers a focused insurance solution tailored to the unique needs of Senior Living Communities. This specialized program provides Property and Auto coverage exclusively for facilities that serve aging populations, such as retirement communities, age 55+ housing, and senior living centers. As a program administrator with access to a variety of carriers, AFC is positioned to help agents and brokers secure competitive coverage options for these niche risks. Ideal Accounts and Appetite This program is designed for non-medical senior facilities, including: Senior Living Communities Retirement Communities (55+) Independent Living Facilities Note that this program does not include General Liability or Professional Liability coverage. It is best suited for accounts focused on property management and transportation exposures, rather than hands-on healthcare or caregiving services. For example, you might have a client that owns a gated retirement village with a small fleet of shuttle vans for resident transportation—this program can address the property and auto risks for that type of exposure. Coverage Highlights and Advantages Property Coverage – Protects buildings, contents, and equipment specific to senior housing operations. Auto Coverage – Designed for owned and operated vehicles used for resident transport, deliveries, or facility operations. Access to multiple carriers ensures flexibility and market competitiveness. Because the program is focused and streamlined, it can be a strong fit for brokers looking to quickly address core insurance needs without bundling unnecessary coverages. Underwriting Notes and Minimum Premiums Minimum premiums vary and depend on the size and scope of the facility, property values, and vehicle exposures. AFC evaluates each submission on its own merits and seeks clean, well-managed risks that meet program criteria. Facilities with significant healthcare or skilled nursing operations may need to be placed elsewhere. Territories and Availability This program is available in most states, including but not limited to CA, FL, TX, NY, IL, and GA. AFC writes on an admitted basis in many of these states. Agents are encouraged to inquire about state-specific availability and underwriting appetite. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings targeted expertise and a streamlined underwriting process to hard-to-place classes like senior living. As a program administrator, AFC leverages strong carrier relationships to deliver tailored solutions for niche commercial property and auto exposures. Whether you're placing a single-location senior community or a multi-site retirement real estate operator, AFC gives you the tools to meet your client’s needs with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for non-medical senior living communities, such as retirement communities for residents 55+ and independent living facilities with on-site amenities but no skilled nursing care. What coverages are included in this program?The program offers Property and Auto coverage only. General Liability and Professional Liability are not included. Can I place accounts with shuttle or facility vehicles?Yes, Auto coverage is included and can accommodate transportation exposures such as shuttle vans used for resident transport. Is this program available in my state?The program is offered in most U.S. states, including CA, TX, FL, NY, and many others. Contact AFC to confirm availability in your specific state. What is the minimum premium requirement?Minimum premiums vary depending on the risk profile, property values, and vehicle count. AFC evaluates each submission individually. Need help placing an account? Connect with a market specialist.