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AFC Insurance Inc. offers a focused Health & Human Services program tailored for Religious Youth and Outreach Groups. The program is designed for organizations that support teenagers and young adults in faith-based and outreach settings. Whether your client runs a church-affiliated youth group, a faith-based mentoring program, or a nonprofit community outreach initiative, AFC’s program helps you place comprehensive protection so those organizations can operate with confidence. Ideal Accounts and Program Appetite: This program targets organizations that provide safe, structured environments for teens and young adults through religious and community outreach activities. Eligible classes include: Youth Groups Religious Youth Groups Outreach Programs To qualify, insureds must conduct mandatory background checks on all staff and volunteers. AFC looks for accounts that prioritize safety, background screening, and clear supervision policies. Typical fits are congregational youth ministries, faith-based mentoring programs, and nonprofit outreach efforts that work regularly with minors. Accounts with significant high-risk activities (unsupervised overnight camps, extensive adventure travel) or weak screening policies may not qualify. Coverage Highlights: AFC’s Religious Youth and Outreach Groups Insurance program includes a broad set of coverages designed for the exposures these organizations face: Package policies combining common coverages for convenience General Liability and Professional Liability Endorsements & enhancements, such as: Volunteers & independent contractors included as insureds Optional key employee replacement endorsement Optional extended coverage endorsement with blanket additional insured Umbrella liability Property and auto coverage (state and carrier restrictions may apply) Abuse & molestation coverage These options help address third-party liability, property exposures, auto-related incidents, and sensitive youth-protection claims. Endorsement flexibility and volunteer wording are particular strengths for placing church-affiliated and volunteer-driven programs. Underwriting Notes and Minimum Premiums: Minimum premiums vary by account size, location, and coverages selected. AFC works with multiple carriers to offer flexible solutions based on each client’s risk profile. Important underwriting considerations include: Verified, documented background checks for all staff and volunteers Written child-protection and supervision policies Limits on high-risk activities or unsupervised travel Clear volunteer training and screening records Provide detailed loss history, screening procedures, and program manuals to help AFC underwrite efficiently. Territories and Admitted Status: This program is available in most U.S. 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 offered on an admitted basis in most states, providing regulatory stability and market familiarity. Why Work With AFC Insurance Inc.: AFC is a program administrator with focused expertise in human services risks. Agents benefit from: Underwriting that understands faith-based and volunteer-run program operations Access to multiple carriers for placement flexibility Endorsements tailored to volunteer exposures and youth-protection needs Responsive underwriting for accounts that meet screening and operational standards You might have a client that runs a regional church youth outreach program that needs combined liability coverage for volunteers plus abuse & molestation limits. Or you may place a nonprofit offering faith-based mentoring and after-school services that needs general liability, professional liability, and property coverage. AFC’s program is built to support those placements when screening and program controls are in place. Frequently Asked Questions What types of accounts are a good fit for this program? Ideal accounts include religious youth groups, church-affiliated outreach programs, and nonprofit organizations serving teens and young adults in community or faith-based settings. Are background checks required for all insureds? Yes. Mandatory background checks for staff and volunteers are required for eligibility under this program. What coverages are available through this program? Available coverages include General & Professional Liability, Property, Auto (with restrictions), Umbrella, Abuse & Molestation, and optional endorsements for volunteers, key employee replacement, and additional insureds. Is this program available on an admitted basis? Yes. The program is offered on an admitted basis in most available states. Which states is the program available in? The program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others. Contact AFC Insurance Inc. for state-specific availability. Need help placing an account? Connect with a market specialist.

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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Parent Outreach Insurance is a targeted offering from AFC Insurance Inc.’s Health & Human Services program. Built for organizations that deliver parenting education, support, and outreach, this program helps agents and brokers place tailored coverage for clients running workshops, coordinating parent support groups, or providing peer-to-peer and one-on-one counseling. The package is designed to address both operational exposures and professional liability unique to parent outreach services. Ideal Accounts and Appetite This program is best suited for nonprofit and community-based organizations focused on strengthening family and parent-child relationships. Eligible classes commonly include: Parent outreach and engagement programs Structured parenting workshops and classes Peer-to-peer and group-based counseling services If your client provides structured parenting education, community-based family support, or volunteer-led outreach, Parent Outreach Insurance with AFC can be a good placement option. Coverage Highlights and Advantages AFC Insurance Inc. assembles a practical package of coverages to address common risks faced by parent outreach organizations. Available coverages and endorsements include: Package policy options that combine multiple lines General liability and professional liability for counseling/mentoring exposures Property and commercial auto (subject to restrictions) Umbrella liability for higher aggregate limits Abuse & molestation coverage (subject to underwriting) Volunteers and independent contractors can be included as insureds Optional endorsements: Key Employee Replacement; Extended Coverage with Blanket Additional Insured These elements help protect against claims related to counseling and instruction, third-party injury, volunteer exposure, and damage to program facilities or rented space. Underwriting Notes and Minimum Premiums AFC takes a flexible, programmatic underwriting approach and evaluates submissions on a case-by-case basis. Common underwriting considerations include participant age ranges, whether transportation is provided, supervision ratios for group activities, and whether work occurs in high-exposure settings. Minimum premiums vary by state, account size, and exposures. AFC reviews each submission to determine appropriate pricing and any state-specific requirements. Territories and Availability The Parent Outreach Insurance program is available in most states, with admitted paper offered in many jurisdictions depending on risk characteristics. Availability includes (but is not limited to): 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. Placement will typically be on an admitted basis where applicable; non-admitted options may be available depending on the carrier and state. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a specialized program administrator with focused expertise in Health & Human Services lines. Agents and brokers benefit from: Underwriting teams familiar with nonprofit and community-based program risks Access to tailored endorsements that address volunteer, counseling, and child/family exposures Responsive service and flexibility for multi-site or growing organizations Example fits: You might have a small nonprofit that runs weekly parenting classes at community centers and uses volunteers to co-facilitate—this program can provide GL, professional liability, and volunteer coverage. Or you may place a mid-sized agency that offers peer counseling and occasional off-site events and needs abuse & molestation coverage plus umbrella limits. Frequently Asked Questions What types of accounts are a good fit for this program? Nonprofit and community-based organizations that offer parenting workshops, peer-to-peer counseling, and other structured parent outreach services are ideal candidates. What coverages are included in the Parent Outreach Insurance program? The program offers General and Professional Liability, Property, Umbrella, Auto (with restrictions), and endorsements such as Abuse & Molestation and Key Employee Replacement. Are volunteers and independent contractors covered? Yes. Volunteers and independent contractors can be added as insureds through specific endorsements included in the program. Is this program available in all states? The program is offered in most states (over 45) and Washington, DC. Availability and admitted status depend on state rules and the individual risk profile. What is the minimum premium for this program? Minimum premiums vary based on the organization’s size, services, and location. AFC evaluates each submission to determine appropriate pricing. 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/

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.

Specialty Human Services Insurance Program by Veracity Insurance Solutions Veracity Insurance Solutions, LLC offers a specialized insurance program designed for organizations that deliver human services and improve the well-being of communities. From nonprofit agencies to social service providers, our Specialty Human Services program offers tailored coverage that helps insurance agents place challenging accounts with confidence. With proven experience in the human services sector, Veracity provides creative and flexible insurance solutions that address the unique exposures of over 200 different classes of business. Our program is supported by strong carrier relationships and is structured to help reduce risk, prevent losses, and manage claims efficiently. Ideal Accounts and Appetite This program is an excellent fit for a wide range of community-focused and service-oriented nonprofits and organizations. Common eligible classes include: Substance abuse treatment centers Group homes and halfway houses Counseling centers Adult day care facilities After-school programs and mentoring organizations Community outreach and advocacy groups If you have a client operating a residential facility for at-risk youth or a nonprofit offering behavioral health services, this program is designed to meet their complex needs. Coverage Highlights and Advantages Veracity’s Specialty Human Services program offers robust and comprehensive protection, including specialized coverages that many standard markets may overlook. Available lines include: Property General Liability Inland Marine Business Income Data Compromise Crime & Employee Dishonesty EDP/Computer Equipment Equipment Breakdown Abuse & Molestation Coverage Professional Liability Umbrella/Excess Directors’ and Officers’ Liability These coverages are designed to address real-world exposures, from data breaches to allegations of abuse, ensuring your clients have the protection they need to continue serving their communities. Underwriting Notes and Market Access Our underwriting team works closely with agents to understand the nuances of each insured’s operations. Most business is placed with admitted carriers, giving you and your clients peace of mind and compliance flexibility. We’re able to consider a wide range of account sizes, from small nonprofits to larger regional operations. While we do not list a minimum premium, we encourage you to submit accounts for review—especially those with specialized operations that may not fit standard markets. Territories and Availability The Specialty Human Services program is available in nearly all U.S. states, including but not limited to: CA, TX, FL, NY, IL, PA, and WA. We currently serve organizations in 49 states plus Washington, D.C., offering broad geographic flexibility for multi-state operations or brokers with diverse regional books. Why Work With Veracity Insurance Solutions? Veracity Insurance Solutions is a trusted carrier with deep experience in niche and underserved markets. Our Specialty Human Services program reflects our commitment to supporting community organizations with responsive service, risk management tools, and access to comprehensive coverages. Agents and brokers benefit from our underwriting support and ability to place difficult or unusual risks. Whether you're working with a startup nonprofit or an established behavioral health network, Veracity can help you secure the right protection for your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is ideal for nonprofits and human service organizations such as counseling centers, group homes, adult day cares, and outreach programs serving vulnerable populations. Does the program offer coverage for abuse and molestation claims?Yes, Abuse & Molestation Coverage is available as part of the program to help address high-risk exposures faced by many human services organizations. Is this program available nationwide?The program is available in 49 states and Washington, D.C., offering broad availability across the U.S. Are both small and large organizations eligible?Yes, we can accommodate a range of account sizes, from small local nonprofits to larger regional service providers. Can I submit an account if I’m unsure it fits?Absolutely. Our underwriters are available to review and discuss unique or borderline submissions to determine eligibility. Need help placing an account? Connect with a market specialist.