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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 specialized Health & Human Services Program tailored for organizations that support individuals with cerebral palsy. Through our Cerebral Palsy Centers Insurance program, we help agents and brokers place comprehensive coverage for day programs and residential facilities that serve this critical population. Ideal Accounts and Appetite Our program is designed for non-profit and for-profit organizations that provide services to individuals with Cerebral Palsy. Eligible classes include: Day Programs Residential Facilities This program is ideal for accounts that offer structured support services, therapy, housing, and daily care for individuals with developmental and physical disabilities. Whether your client operates a single residential facility or a network of day programs, AFC Insurance can help you find the right coverage solutions. Coverage Highlights and Advantages Our Cerebral Palsy Centers Insurance program offers a wide range of coverages to protect your client’s operations and personnel. 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 Insured Umbrella & Excess Liability Property Auto (restrictions may apply) Abuse & Molestation Coverage These coverages are structured to help shield organizations from the unique risks that come with serving vulnerable populations, including liability exposures related to caregiving, transportation, and employment practices. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size and scope of the operation. Factors such as number of residents, staffing levels, services provided, and claims history will influence underwriting. We work closely with agents to review submissions and provide tailored solutions based on each facility’s needs. Territories and Availability This program is available in most states, including but not limited to: CA, FL, IL, NY, TX, PA, OH, and WA. We are licensed in over 45 states, offering admitted solutions in most areas. Please contact us to confirm eligibility based on your client’s location. Why Work With AFC Insurance Inc. As a trusted Program Administrator, AFC Insurance Inc. has deep experience in the health and human services sector. Our team understands the specialized needs of facilities serving individuals with Cerebral Palsy and other complex conditions. We offer responsive service, flexible underwriting, and access to a range of carriers to help you place and retain this important business. From custom enhancements to abuse coverage and more, we’re committed to helping you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is best suited for day programs and residential facilities that serve individuals with cerebral palsy. Both non-profit and for-profit organizations may be eligible. Is Abuse and Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, subject to underwriting review. Can volunteers and independent contractors be covered?Yes, our endorsements can include volunteers and independent contractors as insureds, helping protect all aspects of your client’s operations. Are auto coverages available for transporting clients?Auto coverage is available, though certain restrictions may apply. Please submit full details for underwriting consideration. In what states is this program available?The program is available in most states, including AL, CA, FL, NY, TX, and many others. Contact us to verify eligibility in your client’s state. 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 Health & Human Services Program tailored to the unique exposures faced by organizations providing Drug Rehabilitation Insurance Services. This comprehensive program is designed for professional treatment centers and facilities that deliver medical and behavioral care, including nutritional counseling and outpatient services. With broad eligibility and flexible coverage options, AFC’s program supports agents and brokers in placing challenging rehab-related accounts with confidence. Ideal Accounts and Appetite AFC’s program is well-suited for a wide range of drug and alcohol treatment services, including: Drug and Alcohol Rehabilitation Centers Outpatient Alcohol & Drug Counseling Inpatient Halfway Houses Methadone Clinics (as part of broader services) Early Release Programs for Alcohol & Drug Offenders Outpatient Detox Facilities Clinics (when part of an overall treatment program) If you have clients offering integrated drug rehab services — for example, a facility that combines counseling, detox, and housing support — this program may be a great fit. Coverage Highlights and Advantages The Health & Human Services Program includes a robust package of coverages designed for the rehab sector: General and Professional Liability Package Policies Umbrella and Property Coverage Auto (restrictions may apply) Abuse & Molestation Coverage Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Extended Coverage Endorsement with Blanket Additional Insured These coverages help protect against the complex risks associated with providing healthcare, counseling, and rehabilitation services. Underwriting Notes and Minimum Premiums Risk eligibility is tailored, and premiums vary based on services offered and exposure levels. Note that certain operations are not eligible under this program, including: Adoption Agencies (if more than 25% of operations) Assisted Living for Seniors Birthing Centers Big Brothers/Big Sisters Programs with overnight activities Correctional Facilities Foster Care Agencies Psychiatric Hospitals Public Housing and Housing Authorities Sex Offender Programs Violent Youth Lockdowns Standalone Special Events/Fundraisers AFC works closely with agents to determine fit and structure coverage effectively for qualifying accounts. Territories and Availability This program is available in most states, including but not limited to: CA, FL, TX, NY, IL, PA, and GA. AFC can write business in all 50 states plus DC, depending on carrier availability and regulatory status. Most placements are available on an admitted basis. Why Work With AFC Insurance Inc. As a seasoned Program Administrator, AFC Insurance Inc. brings deep experience in the Health & Human Services sector. Their focused underwriting, flexible coverage structures, and access to multiple carriers make them a reliable partner for agents placing drug rehabilitation and behavioral health risks. If you're looking for a responsive team with the tools to handle complex rehab accounts, AFC is ready to assist. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include drug and alcohol rehab centers, outpatient detox clinics, halfway houses, and integrated treatment facilities offering counseling and support services. Are standalone clinics eligible for coverage?Clinics are eligible only when they are part of a broader rehab program. Standalone clinic operations are not eligible under this program. Is abuse and molestation coverage included?Yes, abuse and molestation coverage is available as part of the program, subject to underwriting guidelines. Can I place business in multiple states?Yes, AFC’s program is available in most states nationwide, allowing agents to write multi-state rehab operations where eligible. What is the minimum premium for this program?Minimum premiums vary depending on the type and size of the operation. Contact AFC for more details specific to your client’s needs. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a focused Health & Human Services program designed to help agents place Food Banks and Soup Kitchens. The Food Banks/Soup Kitchens Insurance program is built for nonprofit and community-focused operations that depend on volunteers, donated goods, and on-site or mobile food distribution. Coverage options address the exposures common to food distribution, volunteer operations, delivery activities, refrigeration and storage, and general premises liability. Eligible Classes and Ideal Accounts Nutrition Centers Adult Day Care Centers (food service operations) Kosher Food Banks Food Banks Soup Kitchens Ideal accounts are nonprofit or mission-driven organizations that primarily distribute prepared or packaged food to clients, run on-site meal programs, or operate small delivery routes. Typical placements are single-site or small multi-site operations with volunteer staff and limited commercial food manufacturing. Larger commercial processors, for-profit restaurants with full retail operations, and large regional distributors typically fall outside this program’s appetite. Coverage Highlights and Advantages Package policies combining property and liability limits tailored to nonprofit food operations. General Liability and optional Professional Liability to cover food handling and service exposures. Endorsements and enhancements that add Volunteers and Independent Contractors as Insureds — important for volunteer-heavy operations. Optional Key Employee Replacement endorsement to help cover temporary staffing costs after sudden loss of a key manager. Optional Extended Coverage Endorsement with Blanket Additional Insured — useful for shared-space landlords or program partners. Umbrella limits available for higher liability protection (subject to underwriting). Property coverage for buildings, contents, equipment, and refrigeration units. Auto coverage available for delivery and mobile distribution vehicles (some restrictions apply). Abuse & Molestation coverage available where applicable and appropriate underwriting criteria are met. Underwriting Notes and Minimum Premiums Carriers: varies by risk and state; AFC Insurance places with admitted and non-admitted markets as appropriate. Minimum premium: varies by carrier and territory; provide account details to receive accurate pricing. Common submission requirements: completed application (ACORD or program supplement), current loss runs, description of operations including volunteer counts and delivery activity, property values and fire protection details, and vehicle schedules if auto is needed. Auto restrictions: personal-use vehicles or high-risk drivers may limit auto offerings; disclose delivery practices and driver screening procedures. Food handling exposures: note any on-site cooking, catering or hot-food service, refrigeration integrity and food safety programs — these affect appetite and pricing. Territories and Availability The program is available in most 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). Placement options include admitted and non-admitted markets depending on the state and risk profile. Why Work with AFC Insurance Inc. Program administrator experienced in Health & Human Services niches and nonprofit exposures. Flexible underwriting to accommodate volunteer programs and small delivery fleets. Access to multiple carrier markets to match coverage needs and budget. Optional endorsements that address real-world operational gaps (volunteers, key employee replacement, umbrella limits). Support for agents who need a market that understands community food operations and can respond to nonstandard exposures. Example Accounts That Fit Well A suburban nonprofit food bank that operates weekday meal services, uses volunteers to prepare and serve meals, and runs a small van for local deliveries — needs general liability, property, volunteer coverage, and limited auto. An urban soup kitchen with on-site refrigeration, donated food handling, and multiple volunteer shifts — needs property coverage for refrigeration equipment, abuse & molestation consideration for volunteer interactions, and optional umbrella limits for additional liability protection. Frequently Asked Questions What types of accounts are a good fit for AFC’s Food Banks/Soup Kitchens program?Nonprofit and community food distribution operations such as food banks, soup kitchens, nutrition centers, kosher food banks, and similar programs that rely on volunteers and have limited commercial food manufacturing are a good fit. Does the program provide coverage for volunteers and independent contractors?Yes. The program offers endorsements that include Volunteers and Independent Contractors as Insureds to help address exposures created by volunteer-driven operations. Are auto and delivery operations covered?Auto coverage is available but may have restrictions. Underwriters will review delivery practices, vehicle schedules, and driver screening before offering auto protection. Which states is this program available in and is it admitted?The program is available in most states (see territory list above). AFC places business in admitted and non-admitted markets as appropriate for the risk and state regulations. Need help placing an account? Connect with a market specialist.

Adult Day Care Insurance — AFC Insurance Inc. Program AFC Insurance Inc. offers a dedicated Adult Day Care Insurance program tailored for professional adult day care centers and related human & social services operations. This program is designed for agents and brokers who need a market that understands the staff, volunteer, property and professional liability exposures typical of adult day services, adult day health facilities, social and medical model programs, and services for developmentally disabled or mentally ill populations. Overview of the Program From AFC Insurance Inc. As a program administrator, AFC Insurance Inc. places package and stand-alone coverages through varying carriers to deliver flexible solutions for adult day care operators. The program combines General Liability and Professional Liability with property, auto, umbrella and specialty endorsements commonly requested by this segment. Coverage endorsements can include volunteers and independent contractors as insureds, an optional key employee replacement endorsement, extended coverage with blanket additional insured, and abuse & molestation coverage where needed. Ideal Accounts and Appetite The program fits: Professional adult day care centers and adult day services Adult day health facilities (social and medical models) Programs offering supervised care, meals, social activities, and limited health services Services for the developmentally disabled, mentally ill, or partial hospitalization/day treatment programs Typical accounts have controlled client ratios, trained staff, documented policies for medication administration and incident reporting, and limited on-site medical procedures. High-acuity facilities that function as primary medical providers or have full residential care are usually outside appetite. Coverage Highlights and Advantages Package options combining Property, General Liability, Professional Liability and Abuse & Molestation Endorsements to add Volunteers & Independent Contractors as insureds Optional Key Employee Replacement and Extended Coverage Endorsements with Blanket Additional Insured Umbrella limits available to broaden liability protection Auto coverage for business vehicles (subject to carrier restrictions) Flexible placement through multiple carriers — “Carriers: Varies” — to match risk characteristics Underwriting Notes and Minimum Premiums Underwriting focuses on operations, staffing ratios, policies for medication and supervision, facility security, transportation practices, and claims history. Documentation that speeds placement includes client rosters, staff training records, written policies and procedures, and loss runs. Minimum premium and rate levels vary by carrier and state; AFC’s program can place accounts with differing premium thresholds depending on the chosen market. Example Accounts an Agent Might Place You have a 30-person adult day center that provides meals, social activities and limited nursing oversight — the program can provide a package policy with General & Professional Liability and abuse & molestation coverage. A non-profit day services program with volunteers and occasional contracted therapists — the volunteer/independent contractor endorsements and blanket additional insured language can address those exposures. Territories and Availability Available in most states (Most Available States). Current territories: 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. Some state restrictions may apply. Why Work With AFC Insurance Inc. on Adult Day Care Business AFC Insurance Inc. brings program-focused underwriting and access to multiple carrier appetite options specifically for human & social services. Agents benefit from coverage flexibility, common endorsements needed by adult day providers, and underwriting that understands the difference between social model and medical model operations. For accounts that match the program’s appetite, AFC can help secure competitive terms across property, liability and specialty layers. Frequently Asked Questions What types of adult day care accounts are a good fit for this program?Professional adult day centers that provide meals, supervised activities and limited health services are the best fit. Programs with documented policies, trained staff and controlled client-to-staff ratios typically place well. Full residential care or high-acuity medical providers are usually out of appetite. Which coverages and endorsements can I request through AFC’s program?Common options include Package (Property + Liability), General & Professional Liability, Abuse & Molestation, Auto (subject to carrier restrictions), Umbrella, volunteer & independent contractor as insureds endorsements, optional key employee replacement, and extended coverage with blanket additional insured language. How does state availability and admitted status affect placement?The program is available in most states listed on this page. Because carriers vary by state, some features and forms depend on state regulations and carrier appetite. Agents should confirm specific state availability and admitted/non-admitted status at submission time. What submission materials help underwriters make a faster decision?Provide a current application, recent loss runs, staff training and supervision policies, medication administration procedures, client capacity and staffing ratios, and details on transportation or medical services to speed underwriting and improve placement options. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a focused Assisted Living (Property and Auto) Insurance program tailored for licensed Assisted Living Facilities. These operations serve elderly or developmentally disabled residents and typically provide housing, personal care, meals, and limited medical support. AFC’s program concentrates on the core property and automobile exposures these facilities face, giving agents a reliable admitted market for this niche sector in most states. Ideal Accounts and Appetite This program targets licensed and regulated assisted living facilities that provide residential care in a group setting. Ideal risks include locations that own or lease vehicles used for resident transport (appointments, errands, community outings) and facilities with on-site property exposures. Privately owned assisted living homes with multiple residents Mid-sized residential care facilities offering daily resident transportation Facilities in suburban or rural settings with on-premise property and vehicle needs Accounts that need General Liability or Professional Liability coverage are outside the scope of this program and must be placed with separate solutions. Example account scenarios: A single-location, privately owned 15-bed assisted living home that operates one 12-passenger van for resident transport. A mid-sized suburban facility with 30–50 residents, two staff-run passenger vans, and on-site communal dining and activity spaces. Coverage Highlights and Advantages The program provides two essential lines of coverage that address the most frequent exposures for assisted living operations: Property Coverage: Protects the facility structure and contents, including resident areas, offices, common rooms, and equipment. Automobile Coverage: Insures company-owned or leased vehicles used to transport residents, staff, or supplies, including passenger exposure. Writing primarily on an admitted basis in most available states, AFC places business with carriers selected to match the individual risk profile. This focused offering helps agents cover the facility’s physical assets and transportation exposures without bundling unrelated liability lines into the same program. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. AFC evaluates each submission to align the account with the appropriate market. Minimum premiums vary by facility size, building values, and number/type of vehicles. To streamline placement, be prepared to provide: Facility details: licensed occupancy, building construction, year built, fire protection, and estimated values Operations: number of residents, on-site services, staffing levels, and transportation routines Vehicle information: year/make/model, seating capacity, ownership (owned/leased), driver qualifications, and usage Agents should expect case-by-case review; unusual exposures (extensive medical services, high-hazard operations, or large-scale fleet needs) may require alternate markets or supplemental liability placements. Territories and Availability The program is available in most U.S. states — accessible in over 45 states, including CA, FL, TX, NY, IL, and PA — with admitted placement in most jurisdictions. AFC accepts submissions from urban, suburban, and rural regions and works to match accounts to carriers that participate in each territory. Why Work With AFC Insurance Inc.? As a program administrator experienced in the senior care sector, AFC Insurance Inc. brings targeted underwriting and market access for assisted living property and auto exposures. Agents benefit from: Niche underwriting focused on assisted living property and transportation risks Admitted paper in most states for smoother policyholder servicing and regulatory compliance Flexible placement for single-location and growing operations with vehicles Responsive submission review to align accounts with appropriate carriers Whether you represent a small privately owned home or a mid-sized facility with resident transport needs, AFC can help you secure property and auto coverage tailored to this niche segment. Frequently Asked Questions What types of accounts are a good fit for this program?Privately owned or mid-sized assisted living facilities that need property and auto coverage are a strong match. Facilities that own or operate vehicles for resident transport are ideal. Does this program include General Liability or Professional Liability coverage?No. This program is limited to Property and Auto coverage. General Liability and Professional Liability are not included and must be placed separately. Is this an admitted program?Yes. The program is written on an admitted basis in most available states, though final carrier selection depends on the specific risk and location. What is the minimum premium for this program?Minimum premiums vary based on facility size, property values, and number of vehicles. Submissions are reviewed on a case-by-case basis. In which states is this program available?This program is available in over 45 states, including CA, FL, TX, IL, NY, and more. Contact AFC for availability in a specific state. Need help placing an account? Connect with a market specialist.

Demetriou Group (Demetriou General Agency) offers a comprehensive Social Services Insurance Non-Profit Package designed for community-focused nonprofit organizations. This all-in-one program streamlines placement by combining multiple essential coverages into a single policy issued through one carrier, reducing paperwork and simplifying renewals for your clients. Overview of the Program From Demetriou General Agency This program is built for independent agents and brokers placing nonprofit social service accounts. With one application and one policy you can secure broad protection that commonly includes: General Liability Property Coverage Social Services Professional Liability Directors & Officers (D&O) Employment Practices Liability Insurance (EPLI) The package is designed to address the mix of premises, professional, and management exposures typical to social service nonprofits — from small community groups to multi-service organizations. Ideal Accounts and Appetite Demetriou’s Social Services Insurance program targets a wide range of nonprofit classes, including but not limited to: Abused adult shelters Animal shelters and rescue groups Big Brother / Big Sister mentoring programs Botanical gardens and community gardens Caregiver and home-visiting services Counseling and referral agencies Food banks, soup kitchens, and meal programs Group homes for individuals with mild disabilities Senior activity centers Thrift stores and transitional housing programs Vocational sheltered workshops Youth and community centers Typical fits are nonprofits that provide direct services to vulnerable populations, operate public programs or events, run retail-style thrift operations, or offer supervised residential services. Accounts with complex clinical exposures, large congregate care operations, or high-risk behavior programs should be discussed with underwriting prior to submission. Coverage Highlights and Advantages Key benefits of placing Social Services Insurance with Demetriou General Agency include: Single application and centralized underwriting to speed turnaround Multiple lines placed through a single carrier to avoid coverage gaps Policy language and limits tailored to nonprofit operations and social services risks Optional D&O and EPLI components to protect boards, executives, and staff This bundled solution reduces administrative burden for both you and your insured while providing coordinated limits and consistent terms across exposures. Underwriting Notes and Minimum Premiums Minimum premiums and final terms vary by the size, scope, and services of the insured. Demetriou provides underwriting flexibility to accommodate a broad range of nonprofit operations. Common submission items include a completed application, recent loss history (if any), a description of programs and client populations served, and financial or operational documents for higher-limit accounts. Territories and Availability The program is available in Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. Coverage is offered on an admitted basis where applicable. Why Work With Demetriou General Agency? As a specialty Managing General Agency, Demetriou Group brings focused expertise in placing coverage for nonprofit and social service organizations. Their underwriters understand the regulatory, operational, and liability challenges these groups face and offer responsive service to help you close business efficiently. Because the program bundles multiple lines with one carrier, you can present clients with a unified solution that is easier to manage at renewal. Example scenarios that fit well: You represent a regional food pantry that also operates a thrift store and a small job-training program — this package can consolidate GL, property, and professional liability coverages into one policy. A volunteer-run animal rescue with occasional adoption events needs general liability, property, and volunteer protection; the program provides coordinated limits and volunteer liability considerations. For Social Services Insurance placement assistance, submit a completed application and program details to Demetriou General Agency. Frequently Asked Questions What types of accounts are a good fit for this program?Nonprofit organizations such as shelters, food banks, group homes, counseling centers, and community outreach programs are well suited to this package. What coverages are included in the all-in-one package?The package commonly includes General Liability, Property, Social Services Professional Liability, Directors & Officers, and Employment Practices Liability. Is this program available on an admitted basis?Yes — coverage is offered on an admitted basis in applicable states within the program territory. Which states is this program available in?This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT. How do I submit an account for underwriting?Submit a completed application along with relevant organizational details and any loss runs to Demetriou General Agency for review and quoting. Need help placing an account? Connect with a market specialist.