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Specialized Insurance for Youth Programs and Clubs Irwin Siegel Agency offers a tailored property and casualty insurance solution designed specifically for organizations that serve children and young people. Whether your client runs mentoring programs such as Big Brothers Big Sisters, community-based Boys & Girls Clubs, or residential facilities for at-risk youth, this Youth Programs and Clubs package addresses the operational exposures common to these organizations. The program is underwritten in partnership with Berkshire Hathaway Specialty Insurance and is available to licensed agents and brokers in all 50 states and the District of Columbia. As a program administrator with deep sector experience, Irwin Siegel Agency combines focused underwriting with responsive support to help you place accounts confidently in this niche market. Ideal Accounts and Program Appetite We target nonprofit and community-based organizations that provide structured, supervised services with a social services mission. Eligible classes include: At-Risk Youth Residential Facilities Boys & Girls Clubs of America CASAs (Court Appointed Special Advocates) Child Guidance Agencies Children’s Homes / Villages Foster Care Agencies and Placement Services (under 15 placements) Head Start Programs Runaway Youth Shelters Teen Outreach and Self-Help Organizations Youth Centers (excluding recreational-only facilities) Typical fits are organizations with formal programs, written policies, staff screening, and clear supervision practices. Accounts that are primarily commercial recreation, high-risk adventure programs, or that lack documented screening and training procedures are generally outside this appetite. Example accounts: You might have a nonprofit that runs after-school mentoring and life-skills classes for teens — this program can combine general liability, professional liability and abuse & molestation coverage. Or a community-based group home supporting teens transitioning from foster care (fewer than 15 placements) would typically fit the program’s residential appetite. Coverage Highlights Our package policy is built to address the full scope of exposures faced by youth-serving organizations. Core coverages include: Package Coverage Includes: Abuse and Molestation Liability General Liability Professional Liability Property Coverage Commercial Auto Crime Umbrella Liability Inland Marine Enhancements & Supplements: Cyber / Privacy Liability Directors & Officers Liability Employment Practices Liability Youth Accident Protection Volunteer Accident Protection Active Assailant Coverage Underwriting and Minimum Premium Underwriting emphasizes sound risk management, documented policies, and mission-aligned operations. Please include full operational details with submissions: staff screening and background checks, volunteer supervision, program descriptions, facility usage, and any training programs. The program has a minimum premium of $5,000. Our underwriters are available for pre-submission questions to help you determine fit efficiently. Available Nationwide This program is available in all 50 states and the District of Columbia. Whether your client operates in a rural community or an urban center, Irwin Siegel Agency can help secure an appropriate coverage solution. Why Work with Irwin Siegel Agency? Irwin Siegel Agency is a long-standing partner to the human and social services sector. We bring decades of focused experience placing coverage for youth-serving nonprofits and residential programs. Strengths of the program include specialized underwriting, flexible package options backed by Berkshire Hathaway Specialty Insurance, and a practice-oriented approach to risk controls that helps close placements other markets may decline. For more information about insurance for Youth Programs, give us a call today at 800.622.8272 or visit the program page on our website, http://https://www.siegelagency.com/insurance-programs/youth-programs/. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofit and community-based organizations serving youth, including residential facilities, mentoring programs, and advocacy services. Is this program available in all states?Yes. Coverage is available in all 50 states and the District of Columbia, so you can place eligible accounts nationwide. What is the minimum premium for this program?The minimum premium starts at $5,000. Final pricing is determined by the organization’s size, services, and overall risk profile. Does the program include abuse and molestation coverage?Yes. Abuse and molestation liability is included in the standard package, subject to underwriting review and assessment of controls. Can I get coverage for volunteers and youth participants?Yes. Optional accident protection is available for volunteers and youth participants as a supplemental coverage. Need help placing an account? Connect with a market specialist.

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For over 25 years, CareProviders Insurance Services, a division of NSM Insurance Group, has specialized in providing tailored insurance solutions for organizations that deliver critical services to communities. As a trusted Managing General Agency, NSM offers agents and brokers access to a comprehensive insurance program designed specifically for social service organizations. Ideal Accounts and Appetite The Social Service Organizations Insurance Program is ideal for nonprofits and community-based agencies that provide a wide range of services. Target classes include organizations involved in: Counseling and mental health support Youth mentoring and outreach programs In-home care and senior assistance Community workshops and education Government assistance referral services If you work with clients who operate community resource centers, transitional housing programs, or provide services to underprivileged populations, this program is built to meet their unique risk needs. Coverage Highlights and Advantages The program offers broad protection tailored to the specific exposures faced by social service providers. Coverage options include: Property Buildings & Contents Replacement Cost Theft and Crime Equipment Breakdown Coverage EEP (Extended Expense Protection) Business Interruption Social Service Enhancement Endorsement Property Enhancement Endorsement General Liability Volunteer Accident Coverage Auto Liability, Physical Damage, Hired and Non-Owned Auto Umbrella Liability Directors & Officers Liability These coverages are designed to protect both the physical assets and the professional responsibilities of your insureds, including their staff, volunteers, and board members. Underwriting Notes and Minimum Premiums This program is underwritten through various carriers and is available on an admitted basis in most states. Minimum premiums vary depending on the size and scope of the organization. NSM Insurance Group’s underwriting team brings deep industry knowledge and can assist you in evaluating submissions for eligibility and placement. Territories and Availability The Social Service Organizations Insurance Program is available in most states, including but not limited to CA, NY, TX, FL, IL, and PA. NSM Insurance Group offers broad geographic reach, making it easy for agents and brokers to place risks across the country. Why Work With NSM Insurance Group With decades of experience in social service risks, NSM Insurance Group delivers a specialized program backed by strong carrier relationships and responsive underwriting. Their CareProviders Insurance Services division is known for its expertise, customized solutions, and dedication to helping agents serve mission-driven clients. Whether you’re placing a small nonprofit or a multi-location organization, you’ll have access to flexible coverage options and knowledgeable support every step of the way. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofits and community-based organizations that provide counseling, youth outreach, senior services, and other social support programs. Is this program available on an admitted basis?Yes, the program is offered on an admitted basis in most states. Does the program include coverage for volunteers?Yes, Volunteer Accident coverage is included to help protect individuals donating their time and services. Are auto coverages available for organizations that use owned or rented vehicles?Yes, the program includes Auto Liability, Physical Damage, and coverage for Hired and Non-Owned Autos. Can I submit risks from any state?The program is available in most U.S. states. Contact the NSM underwriting team to confirm availability in your client's state. Need help placing an account? Connect with a market specialist.

Significant expertise and infrastructure are essential when underwriting Boys and Girls Clubs Insurance. At NIF Group Inc., we understand that nonprofit and youth-focused organizations face complex exposures—often more nuanced than they initially appear. Our program is designed to support agents and brokers who serve these vital community organizations with comprehensive, dependable insurance solutions. This specialized program provides flexible coverage tailored to the needs of Boys and Girls Clubs and similar youth-serving nonprofits. Policies extend vital liability protection to the organization itself, as well as its employees, volunteers, independent contractors, and even medical professionals who may be part of the organization’s operations. With our experience in the nonprofit sector, we make it easier for you to deliver long-term protection and peace of mind to your insureds. Ideal Accounts and Program Appetite This program is ideal for organizations such as: Boys and Girls Clubs Youth enrichment programs After-school and mentoring programs Community centers with youth-focused services We are looking for well-managed nonprofits with a clear mission, documented safety protocols, and staff or volunteers who work directly with children and teens. If you have a client running a multi-site youth program with part-time staff and volunteers, or a club that hosts sports and educational activities, this program could be an excellent fit. Coverage Highlights and Program Options Our package policies are designed to address a full range of exposures, from property and operations to people and liability. Core coverages include: General Liability Professional Liability (including health care liability) Property Coverage Auto Liability Crime Insurance Boiler and Machinery Umbrella Liability Optional enhancements are also available to help you tailor coverage more precisely to your clients’ needs: Employee Benefit Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Nonprofit Directors & Officers Liability with EPLI Underwriting Notes and Minimum Premiums Minimum premiums vary based on location, size of the organization, and selected coverages. Our underwriting team reviews each submission carefully to assess risk and ensure appropriate coverage design. We encourage agents to submit complete applications with full details on operations, staffing, and risk management practices to streamline the process. Territories and Availability The Boys and Girls Clubs Insurance program through NIF Group Inc. is available in most U.S. states, excluding Hawaii and Louisiana. We offer coverage on an admitted basis wherever applicable. Eligible states include but are not limited to: CA, NY, TX, FL, IL, PA, and WA. Why Work With NIF Group Inc.? NIF Group Inc. is a trusted program administrator with a proven track record in the nonprofit and social services sector. Our deep knowledge of youth-serving organizations allows us to offer responsive underwriting, flexible policy structures, and access to strong carrier partners. Agents who work with NIF benefit from our commitment to service, speed, and long-term client support. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for Boys and Girls Clubs, youth mentoring organizations, after-school programs, and similar nonprofits serving children and teens. Are volunteers and part-time staff covered under this policy?Yes, the policy can be tailored to include coverage for volunteers, part-time staff, independent contractors, and even medical professionals working with the organization. Is this program available in all states?The program is available in most U.S. states except for Hawaii and Louisiana. Can I add coverage for sexual or physical misconduct?Yes, optional coverage for sexual and physical misconduct is available and can be added based on underwriting approval. What information should I include in the submission?Include full details about the organization’s operations, staffing, safety protocols, prior claims history, and any special exposures to help expedite underwriting. Need help placing an account? Connect with a market specialist.

At Financial Success Training for Brokers, we teach business and financial acumen. Our work is based on two primary assumptions. The first assumption is that financial and business acumen are critical foundational abilities for brokers. Our training provides a knowledge base for these abilities. Second, that having this ability and knowledge is essential to developing human capital and building bench strength at every company and creating maximum success for every broker. We partner with our clients to provide customized, cutting edge financial training in order to improve communication, decision-making, and performance at every level of the organization. We think that although most brokerage firms have clear strategic objectives and metrics, they have not been able to make financial concepts, tools and skills simple, engaging, and meaningful enough to get people to learn them and change their behavior. We have spent a career discovering the most effective ways to do that. Financial Success Training for Brokers (FSTFB) works because it is a process, not an event. Over the past 13 years, the Financial Success Training team has delivered initiatives at every kind and size of company. Every successful Financial Success Training for Brokers has the same six steps. For the online version of FSTFB, the six steps provide the mandate, motivation, formal learning and follow through needed for success and a great ROI. The six, individual steps in our program work in synergy to create successful learning, permanent retention and practical, measurable results. The steps are: Pre-learning set up fires up the participants "learning neurons" to create personal meaning, permanent retention and high engagement for participants. FSTFB includes enrollment in a 6-week, once a week, email helper program and an "I agree to" statement of commitment by each participant Pre-assessment sets a financial literacy baseline for each learner and helps make the initiative more meaningful Real life experience. Every participant uses a Program Participant Guide to apply their learning to a practice client's financial numbers, measures and concerns Accelerated program learning and a bias for Action. The formal learning at the core of FSTFB is an elegant example of self-paced, self-directed e-learning with a focus on practical action. Live Mentoring: As a safety net, each program participant joins a live mentoring group with 6 participants - either an internal group at their company or a private group conducted by one of our company's experts Follow through. To make sure FSTFB isn't a "flavor of the month," every program participant receives a custom-designed Broker's Analyzer. The Analyzer allows a broker to evaluate the: Likelihood that their customers will achieve coverage Potential magnitude of that coverage Financial strengths and weaknesses of the customer Changes the customer needs to make to get the coverage they need For more information, call us at (720) 287-3557 or email [email protected]

If you hired Steve Jobs to help you develop a Sales Culture, what would he do? First, he'd analyze the problem: 1. Too many producers aren't motivated, aren't prospecting, aren't selling. 2. Prospect management is weak, we don't know what people are working on, can't really project pipeline. 3. Producers are effectively differentiating themselves, too much 'me too' stuff like "better people, better service, better carrier relationships". 4. Sales Meetings are virtual liars clubs, not getting deep enough on an account to know if there is a strategy or not. Build a relationship, better price and better coverage is not a strategy. 5. Competitive information, it's here, you just can't find it. "we have 5-10 competitors, but none of their proposals at hand, no list of their producers, no personal characteristics, we don't know who we beat and who beats us." 6. And, when a competitor agency get's bought, we don't have an attack list. When a competitor agent get's fired or retires, we don't have an attack list. 7. We talk referrals, but can't back it up with a system. Everyone of our producers have at least 10-20 clients that would introduce them, and we don't have the tools to lead them or manage them. 8. We are good at cross-selling and could be a lot better. It's takes the IT department to run me a report on cross-sell opportunities, and by the time I get it, it's out dated. 9. Our new producer pipeline is empty. We are not recruiting, we need to improve our hiring process, our onboarding process, and we need to set high expectations and train and mentor our new producers to get there fast. 10. We don't have a culture of accountability, as a result, 20% of our producers produce, and 80% barely do. If that sounds anything like your agency and you have a desire to change it, click here: www.thewedge.net/iwin-growth-system/

Homeless Shelters Insurance is a dedicated program offered by AFC Insurance Inc. within our Health & Human Services suite. Built for agents and brokers who place nonprofit and social service accounts, this program provides specialized liability and property solutions for organizations operating homeless shelters, transitional housing, and closely related services. AFC Insurance Inc. understands the distinct exposures shelters face when serving vulnerable populations. Whether your client operates single-gender housing, family shelters, youth programs, or structured transitional living with on-site social services, this program is underwritten to address those risks and help protect the organization, staff, volunteers, and participants. Ideal Accounts and Appetite This program is a strong fit for professionally managed operations, including: Homeless Shelter Programs Transitional Programs for the Homeless Men-only or Women-only Housing Programs Family Shelters People In Need (PIN) Programs Kids In Need (KIN) Programs We do not currently write coverage for drop-in shelters. Example fits for placement: A nonprofit that operates an overnight family shelter with case management and meal services seeking combined general and professional liability. A transitional living facility that provides structured housing plus on-site social services and needs abuse & molestation coverage and volunteer endorsements. If you have a client running a structured residential program with documented policies and on-site staff, this program is likely a good option. Coverage Highlights and Advantages AFC’s Homeless Shelters Insurance program combines package flexibility with specific endorsements to address shelter exposures: Package policy options combining General Liability and Professional Liability Endorsements to include volunteers and independent contractors as insureds Optional key employee replacement endorsement Optional extended coverage with blanket additional insured Umbrella/Excess capacity Property and auto coverage (subject to underwriting restrictions) Abuse & molestation coverage for high-severity exposures involving vulnerable populations These coverages help manage risks such as staff and volunteer liability, client allegations, building and contents damage, and transportation exposures when staff or clients are transported. Underwriting Notes and Minimum Premiums Underwriting evaluates each account based on size, services provided, population served, program structure, loss history, and location. Minimum premium requirements vary by state and account characteristics; AFC’s underwriting team offers flexible options and can tailor coverage enhancements where appropriate. Be prepared to provide program policies, staff training procedures, volunteer screening protocols, and details on transportation and supervisory practices at submission. Territories and Availability This program is available in most states. Representative territories include CA, TX, FL, NY, IL, PA, and WA. A full list of eligible 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, and WY. AFC places coverage with a variety of carriers (admitted in most states) depending on the risk. Why Work With AFC Insurance Inc.? As a Program Administrator focused on Health & Human Services, AFC provides targeted solutions for nonprofit and social service exposures. We combine program-level expertise with access to multiple carrier partners and responsive underwriting to help you place accounts that may be difficult to place in standard markets. AFC’s team understands regulatory and operational complexities common to shelters and works with agents to structure appropriate limits and endorsements. To learn more about our full capabilities, visit the AFC Insurance Inc. company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Professionally managed homeless shelters, transitional housing programs, and nonprofits serving men, women, families, or children with structured services and documented policies are a strong fit. Are drop-in shelters eligible for coverage?No. Drop-in shelters are currently ineligible for placement through this program. Is abuse and molestation coverage included?Yes. Abuse & molestation coverage is available and can be added to address sensitive, high-severity exposures common in shelter settings. What is the minimum premium for this program?Minimum premiums vary by account size, services offered, and other underwriting factors. Contact AFC for a tailored premium indication. In which states is this program available?The program is available in most states, including CA, TX, FL, NY, IL, PA, and many others nationwide. Availability and admitted status depend on the carrier selected for each risk. 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.

Crisis Centers Insurance Program from AFC Insurance Inc. AFC Insurance Inc. offers a specialized Crisis Centers Insurance program designed to support organizations that provide vital emergency and advisory services to individuals in distress. This program is part of AFC’s broader Social & Human Services Insurance offerings, built to address the complex risk profiles of nonprofits and community-focused organizations. Whether your client operates a 24/7 crisis hotline, a walk-in mental health facility, or a rehabilitation program, this insurance solution is designed to deliver comprehensive protection tailored to their services. AFC Insurance Inc. serves as a Program Administrator, giving agents and brokers access to competitive coverage options through a variety of carriers. Ideal Accounts and Target Classes This program is best suited for organizations that offer urgent or ongoing crisis support services, including but not limited to: Mental Health Care Facilities Domestic Violence Programs and Shelters Alcohol & Drug Rehabilitation Centers Suicide Prevention Programs and Hotlines You might have a client who runs a nonprofit crisis center offering emergency counseling and temporary housing. Or perhaps a regional behavioral health organization providing outpatient services and referral hotlines—these are the kinds of accounts that fit well within this program’s appetite. Coverage Highlights and Advantages The program offers a robust range of coverages that respond to the unique exposures found in crisis intervention services. Available coverages include: Package Policies General Liability and Professional Liability Abuse & Molestation Coverage Umbrella Liability Property and Auto Coverage (with some restrictions) Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These features help agents provide peace of mind to clients who rely on a mix of paid staff, volunteers, and third-party providers to deliver critical community services. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class, size of operations, services provided, and location. AFC Insurance works with agents to understand the nuances of each submission, aiming for efficient underwriting and tailored solutions. Accounts with strong risk management practices, documented procedures, and staff training are especially desirable. 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 admitted in most of these states, though availability and restrictions may vary by location and class. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings deep expertise in the social and human services sector, with a long-standing commitment to helping community-based organizations secure the right protection. As a program administrator, AFC offers access to multiple carriers and flexible underwriting approaches. Their team understands the unique challenges that crisis centers face and can help you deliver responsive, well-rounded insurance solutions to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for crisis centers, mental health facilities, domestic violence shelters, suicide prevention hotlines, and substance abuse treatment programs. Are volunteers and independent contractors covered?Yes, the program includes endorsements that allow for coverage of volunteers and independent contractors as insureds. Is Abuse & Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, helping protect against serious liability exposures in crisis care environments. In which states is the program available?The Crisis Centers Insurance program is available in most states across the U.S., including CA, NY, TX, FL, and many others. Availability may vary by state and class. What is the minimum premium for this program?Minimum premiums vary by type of account, size of operation, and coverage needs. AFC Insurance Inc. evaluates each submission individually to determine pricing. Need help placing an account? Connect with a market specialist.