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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.

NIF Group Inc. offers a focused insurance program for drug and alcohol rehabilitation facilities that combines deep underwriting expertise with carrier capacity from Liberty Mutual Insurance. Designed for agents and brokers, this program provides flexible package solutions for inpatient detox centers, outpatient treatment clinics, sober living homes, residential detox facilities, and nonprofit or faith-based recovery programs. Policies can be tailored to the client’s operations and to include medical staff, volunteers, and independent contractors. As a program administrator, NIF Group Inc. provides agents direct access to broad coverages and responsive underwriting. The platform supports simple single-site placements as well as multi-location outpatient networks, and it is built to address the mix of general liability, professional liability, property, and specialty exposures that are common in behavioral health and substance-use treatment settings. Ideal Accounts and Appetite This program is designed for a wide range of drug and alcohol rehabilitation operations, including: Inpatient and outpatient treatment centers Residential detox facilities Sober living homes Nonprofit and faith-based recovery programs Typical fits include single-site nonprofit detox programs, multi-location outpatient counseling networks, and licensed sober living operations. Accounts with licensed clinicians, documented policies and procedures, and basic risk management practices are preferred. High-severity claims histories, unmanaged medication programs, or facilities operating outside state licensing norms may require additional review. Coverage Highlights and Advantages Package policies are available to combine core and specialty coverages for a coordinated solution. Core options include: General Liability Insurance Professional Liability (including healthcare liability) Property Insurance Auto Insurance Boiler and Machinery Insurance Crime Insurance Umbrella Coverage Enhancements and optional modules can be added to reflect the account’s exposures, such as: Employee Benefits Liability Equipment Breakdown Sexual/Physical Misconduct Coverage Directors & Officers Liability for nonprofits, including EPLI Policies can be structured to explicitly include volunteers, contractors, and licensed medical professionals so that individuals involved in patient care are covered under the program’s terms. Underwriting Notes and Minimum Premiums NIF Group’s underwriting team evaluates each submission to match coverages to the facility’s operations, staff mix, and risk controls. There is no minimum premium requirement, which allows placement of both small and larger accounts. Be prepared to provide client details such as licensing, staffing credentials, patient intake procedures, medication management protocols, and any prior claims history to accelerate review. Territories and Availability The program is available in most U.S. states (the company markets through admitted and non-admitted platforms depending on the state and risk characteristics). Coverage is not offered in Hawaii and Louisiana. NIF has placement experience in major markets including CA, TX, NY, and FL, and across many other states. Why Work With NIF Group Inc. NIF Group Inc. combines behavioral-health specialty underwriting with strong carrier relationships to simplify placement for agents and brokers. As a program administrator, NIF delivers focused intake, flexible policy design, and access to Liberty Mutual Insurance capacity—helping agents place complex rehab and recovery risks with clarity and speed. The underwriting team’s familiarity with nonprofit operations, volunteer programs, and licensed clinical services is a practical advantage when structuring coverage. Frequently Asked Questions What types of accounts are a good fit for this program?This program is suited for inpatient and outpatient rehab centers, residential detox facilities, sober living homes, and nonprofit recovery organizations with documented policies and standard clinical controls. Can this program cover medical professionals and volunteers?Yes. Policies can be structured to include coverage for licensed medical staff, volunteers, and independent contractors who participate in the facility’s operations. Is there a minimum premium requirement?No. There is no minimum premium, making the program suitable for both small single-site operations and larger multi-location networks. What states is this program available in?The program is available in most U.S. states (admitted or non-admitted as appropriate) with the exception of Hawaii and Louisiana. What carrier backs this program?NIF Group places this program with Liberty Mutual Insurance, providing established carrier capacity and underwriting support. Need help placing an account? Connect with a market specialist.

Insurance for Addiction Treatment Centers is included in AFC Insurance Inc.’s Human & Social Services Insurance Program. This specialized offering is tailored to address the unique risks faced by facilities providing professional Alcohol and Drug Rehabilitation Services. Whether your client operates a residential treatment center, outpatient counseling clinic, or sober living facility, this program offers comprehensive protection for a wide range of services, including medical care, behavioral therapy, and nutritional counseling. Ideal Accounts and Eligible Classes This program is a strong fit for agents looking to place coverage for a variety of addiction treatment operations, including: Addiction Treatment Centers Drug Rehabilitation Facilities Alcohol Rehabilitation Centers Outpatient Alcohol & Drug Counseling Rehabilitation Centers Sober Living Homes Clinics (must be part of a broader treatment program) Outpatient Detox Programs Ineligible Classes Facilities offering Level 4 Plus Detox services Coverage Highlights and Advantages AFC Insurance Inc.'s program offers agents access to a wide range of coverages designed specifically for the operational and professional risks of treatment centers: Package Coverage General and Professional Liability Endorsements for Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Coverage Optional Blanket Additional Insureds via Extended Coverage Endorsement Umbrella Liability Property and Auto Coverage (some restrictions may apply) Abuse and Molestation Coverage Underwriting Notes and Minimum Premiums Minimum premiums vary depending on state, class of business, and scope of operations. Standalone clinics are not eligible unless part of a broader treatment offering. AFC Insurance Inc. works with multiple carriers to provide flexible underwriting solutions tailored to the unique exposures of each facility. Territories and Availability This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, OH, GA, and WA. AFC Insurance Inc. offers admitted coverage in many jurisdictions, with access to a broad network of carriers to meet both regulatory and operational needs. Why Work With AFC Insurance Inc.? As a trusted Program Administrator, AFC Insurance Inc. brings deep expertise in the human and social services sector. Their Addiction Treatment Center Insurance Program is built to help agents confidently place business for a wide range of rehabilitation and counseling facilities. With flexible coverage structures, robust liability protection, and competitive market access, AFC supports agents every step of the way—from submission through policy issuance. You might have a client who operates an outpatient drug counseling center with part-time staff and volunteer counselors. Or perhaps a residential alcohol rehabilitation facility that includes medical detox and nutritional therapy. AFC Insurance Inc. has the tools and underwriting support to help you place these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for residential and outpatient addiction treatment centers, including alcohol and drug rehab facilities, sober living homes, and counseling clinics that are part of a broader treatment offering. Are standalone clinics eligible for coverage?No, clinics must be part of an overall treatment plan or facility to be eligible for coverage under this program. Is Abuse and Molestation coverage included?Yes, Abuse and Molestation coverage is available as part of the broader package, helping protect facilities from sensitive liability exposures. What is the underwriting process like?AFC Insurance Inc. works with multiple carriers and offers flexible underwriting tailored to the specific operations, services, and staffing structure of each facility. Which states is this program available in?The program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Admitted coverage is available in many jurisdictions. Need help placing an account? Connect with a market specialist.

Phoenix Risk Management (PRM), in partnership with Intercare Specialty Risk and SeaBright Insurance Company, offers a comprehensive nationwide Workers’ Compensation program tailored specifically for Social Services and Healthcare Facilities. This exclusive program is designed to serve the unique needs of organizations that support vulnerable populations through residential care, adult day care, and social rehabilitation services. Overview of the Program From Phoenix Risk Management This Workers’ Compensation program is built for agents and brokers seeking reliable, flexible markets for social service organizations. PRM leverages its deep understanding of the social services sector and works with top-tier partners to deliver robust coverage options. The program is backed by SeaBright Insurance Company and offers competitive commission structures and a variety of rating plans to suit different client needs. Ideal Accounts and Appetite PRM’s Social Services Workers Compensation Insurance program targets a wide range of social service providers. Eligible accounts include: Adult day care centers Residential care facilities for children Adult social rehabilitation programs This program supports the following class codes: NCCI Codes CA Codes 8868/9101 Adult day care - only 8868 8842 Residential care facilities - children 8823 8842/8864 Social rehabilitation for adults 8804 Coverage Highlights and Advantages This program offers agents the flexibility to match their clients’ needs with cost-effective and scalable coverage solutions. Key features include: Guaranteed cost options Retrospective rating plans Dividend plans Deductible rating plans These options allow agents to offer tailored solutions that can help control workers' compensation costs while maintaining robust protection for employees. Underwriting Notes PRM and its partners take a thoughtful underwriting approach based on deep industry knowledge. While there is no published minimum premium, underwriters focus on accounts that demonstrate a commitment to safety and risk management. Submissions should include detailed operational information to expedite quoting and ensure accurate pricing. Territories and Availability This program is written on a non-admitted basis and is available in all 50 states plus Washington, D.C. Agents can confidently write business nationwide, including in challenging jurisdictions that require specialized expertise to navigate. Why Work With Phoenix Risk Management? As a Managing General Agency (MGA) and Excess & Surplus Lines Broker, Phoenix Risk Management offers unmatched access to specialized markets and underwriting expertise. Their partnership with Intercare Specialty Risk and SeaBright Insurance Company ensures a high level of service, claims handling, and program stability. Whether you’re placing a single facility or managing a portfolio of social service organizations, PRM delivers responsive support and customized solutions. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for adult day care centers, residential care facilities for children, and adult social rehabilitation services. Is this program available in all states?Yes, the program is available in all 50 states and Washington, D.C., on a non-admitted basis. What kind of rating plans are offered?The program offers guaranteed cost, retrospective rating plans, dividend plans, and deductible rating options. Do you require a minimum premium?There is no published minimum premium, but underwriting prioritizes well-managed risks with appropriate documentation. Who is the carrier backing this program?The program is backed by SeaBright Insurance Company, in partnership with Intercare Specialty Risk. Need help placing an account? Connect with a market specialist.

Smith Bell & Thompson, Inc. offers a focused Social Services Insurance Program built for the complex needs of non-profit human services providers. This market is designed for retail agents and brokers placing clients involved in behavioral health, rehabilitation, counseling, adult day care, and community-based services who need both professional and operational liability protection. Target classes include substance abuse rehabilitation clinics, alcohol and drug treatment centers, adult day care facilities, behavioral and mental health organizations, community service nonprofits, family and individual counseling services, and crisis intervention centers. These organizations commonly face a mix of professional liability and general liability exposures as well as operational risks such as abuse allegations, property loss, and employee injuries. Coverage Highlights and Advantages Comprehensive package options that combine professional liability with general liability Optional coverages for employee benefits liability and directors & officers (D&O) liability Sexual abuse and molestation coverage available — a critical component for many social services providers Property, crime/fidelity, commercial auto, umbrella, and workers’ compensation available through the program Underwritten with capacity from AIG, a financially strong carrier with deep experience in the human services sector Ideal Accounts and Appetite Smith Bell & Thompson partners with agents who represent licensed or accredited non-profit social service organizations. The program prefers accounts with structured operations, documented policies, and staff training programs. Typical fits include: Outpatient clinics providing behavioral or mental health services Community counseling centers that serve at-risk populations Adult day care programs with organized activities and trained staff Non-profits with active risk management, background checks, and ongoing staff supervision Generally unsuitable accounts include facilities that provide inpatient medical services or operations with significant unresolved loss history. However, each submission is evaluated individually. Underwriting Notes and Premiums This program is placed on a non-admitted basis through AIG, allowing flexible terms and tailored solutions. Quotes are risk-based and take into account exposures, services provided, and the insured’s risk management practices. For streamlined underwriting, agents should be prepared to submit a completed application, five years of loss runs, and copies of relevant licenses, certifications, or accreditations. Territories and Availability The Social Services Insurance Program is available in all 50 states and the District of Columbia, including major markets such as California, Texas, Florida, and New York. Broad geographic availability helps you place multi-state and regional non-profit risks with confidence. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson combines program administration expertise with direct access to AIG capacity, delivering underwriters who understand the unique exposures of social services providers. Agents can expect responsive underwriting, customized packages, and a willingness to consider a variety of non-profit structures. Whether you are placing a small community counseling center or a larger regional rehabilitation program, SBT focuses on long-term broker relationships and service-oriented account handling. Frequently Asked Questions What types of accounts are a good fit for this program?Non-profit organizations that provide behavioral health, rehabilitation, counseling, or adult day care services are ideal—examples include outpatient clinics, community service providers, and crisis centers. Is this program available in all states?Yes. The program is available in all 50 states and the District of Columbia. What coverages are included in the Social Services Program?Available coverages include professional and general liability, sexual abuse/molestation, employee benefits liability, property, crime/fidelity, commercial auto, umbrella, directors & officers liability, and workers’ compensation. Who underwrites this program?The program is written on a non-admitted basis with capacity provided by AIG, a carrier experienced in social services risks. What information should I include with a submission?Provide a completed application, five years of loss runs, and any applicable licensing or accreditation documents to help expedite the underwriting review. 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.

Policy Highlights for Detox Facility Insurance: Colonial General Insurance Agency, Inc. offers a specialized Detox Facility Insurance program designed to meet the unique risks and regulatory challenges faced by substance abuse treatment providers. Whether your client operates a freestanding detox center, a hospital-affiliated unit, or a specialized addiction treatment facility, Colonial General can help you secure the right coverage tailored to their operations. Ideal Accounts and Appetite This program is built for facilities that provide detoxification and rehabilitation services for individuals struggling with substance abuse. Target accounts may include: Freestanding detox centers Hospital-based or affiliated detox units Specialty hospitals focused solely on substance abuse treatment Rehabilitation facilities offering inpatient or outpatient services Clinics affiliated with mental health centers or HMOs Accounts that demonstrate a commitment to licensed care, proper staffing ratios, and compliant operational standards are typically preferred. Coverage Highlights and Advantages Colonial General’s Detox Facility Insurance offers flexible coverage options to help protect your clients from a range of exposures, including: General Liability and Professional Liability Property and Equipment Coverage Sexual Abuse and Molestation Liability Employee Practices Liability (EPLI) Medical Malpractice (where applicable) Coverage solutions are designed to address the complex needs of detox and rehab service providers, including the risks associated with medical treatment, counseling, and patient management. Underwriting Notes and Minimum Premiums Colonial General works with a variety of carriers to offer competitive pricing and underwriting flexibility. While minimum premium requirements may vary by market and account size, this program is structured to accommodate both small and mid-sized facilities. Underwriting will consider factors such as services offered, facility type, licensing, claims history, staff qualifications, and more. Territories and Availability This program is currently available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Both admitted and non-admitted markets are available in select territories, depending on the account and risk profile. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience in placing hard-to-insure risks. Their focus on niche healthcare and social services programs means you get access to knowledgeable underwriters and a broad range of market options. Whether your client is opening a new detox facility or expanding an existing one, Colonial General can help you find the right coverage solution quickly and efficiently. Visit the Colonial General Insurance Agency, Inc. profile to learn more about their full range of programs and capabilities. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for freestanding detox centers, hospital-affiliated units, and specialty facilities focused on substance abuse treatment. Which states is this program available in?The Detox Facility Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are both admitted and non-admitted carriers used?Yes, Colonial General has access to both admitted and non-admitted markets, depending on the state and risk profile. What coverages are typically included?Common coverages include General Liability, Professional Liability, Property, Sexual Abuse Liability, and EPLI, among others. Does the program accommodate new ventures?Yes, new ventures may be considered depending on the business plan, licensing, and staff background. Need help placing an account? Connect with a market specialist.

Group Homes Insurance — AFC Insurance Inc. Group Homes Insurance is part of AFC Insurance Inc.'s Human & Social Services Insurance Program. This specialized program is designed for small residential facilities that provide supervised living environments for individuals who require mental, emotional, behavioral, or physical support. Whether you represent a home for at-risk youth or a residence supporting adults recovering from traumatic brain injuries, AFC offers tailored insurance solutions to protect operations, staff, and residents. Ideal Accounts and Eligible Classes This program targets group homes and small residential care facilities that need specialized coverage to address caregiving, medical oversight, and community integration risks. Target classes include: Developmentally disabled residents Youth at risk Mental health facilities Alcohol & drug rehabilitation centers Homes for boys and girls Traumatic brain injury (TBI) support homes All age groups Typical fits are licensed residential homes, nonprofit group homes, and small for-profit facilities with documented staffing, training, and risk management procedures. Accounts that lack licensing, proper staff qualifications, or sound risk controls are less likely to qualify. Coverage Highlights and Advantages AFC’s package is built to cover both everyday exposures and higher-severity risks common to group homes. Available coverages include: Package policies combining multiple lines General liability and professional liability Endorsements that name volunteers and independent contractors as insureds Optional key employee replacement endorsement Optional extended coverage endorsements with blanket additional insured Umbrella liability to increase limits Property coverage for buildings and contents Commercial auto (subject to restrictions) Abuse & molestation coverage These coverages help agents place accounts where exposures range from slips and falls to allegations of malpractice or misconduct. The program’s endorsement options provide flexibility for nonprofit volunteers, transient staff, and third-party contractors. Underwriting Notes and Minimum Premiums Underwriting focuses on the facility’s licensing, staff training, supervision levels, medication handling, incident reporting, and overall risk management. AFC evaluates each submission on its merits and may request documentation such as licenses, staff rosters, training records, policies and procedures, and incident logs. Minimum premiums vary by state, size of operation, services provided, and risk characteristics. Work with AFC’s appointed agents to confirm minimums and available options for a given account. 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. AFC offers admitted solutions in many states—contact AFC for state-specific availability and any restrictions. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a program administrator with deep experience in human and social services lines. Agents benefit from a responsive underwriting team, flexible program design, and access to multiple carriers tailored to niche social service risks. AFC has a strong appetite for group homes and related organizations and works with brokers to place challenging or specialized risks. Example Account Scenarios You have a licensed nonprofit group home serving adults with developmental disabilities that needs combined general and professional liability with abuse & molestation limits — AFC’s package options can be structured to include those exposures. You represent a small residential program for at-risk youth with volunteers and contracted therapists — AFC’s endorsements for volunteers and independent contractors help extend coverage where needed. Frequently Asked Questions What types of accounts are a good fit for this program? This program is ideal for residential group homes serving developmentally disabled individuals, at-risk youth, those in drug or alcohol rehabilitation, and clients with traumatic brain injuries. Is this program available in all states? The program is available in most states, including CA, TX, FL, NY, and many others. Check with AFC Insurance Inc. for specific state eligibility and any restrictions. What coverages are included in the program? Coverage options include General & Professional Liability, Property, Umbrella, Auto (with some restrictions), Abuse & Molestation, and endorsements for key employee replacement and volunteers. Do group homes need to be licensed to qualify? Yes. Facilities should be properly licensed and demonstrate risk management practices to be eligible for coverage through this program. Who underwrites the policies offered in this program? AFC Insurance Inc. works with a variety of carriers to underwrite this program. Carrier selection may vary by risk profile and location. Need help placing an account? Connect with a market specialist.

Smith Bell & Thompson, Inc. offers a focused Medical Facilities insurance program tailored to the liability needs of non-hospital healthcare operations. This program gives agents and brokers access to integrated professional and general liability solutions—designed for outpatient, diagnostic, rehabilitative, and other specialty medical facilities that fall outside the traditional hospital model. Ideal Accounts and Appetite Cardiac rehabilitation centers College and university health centers Community health clinics and local health departments Hospices (more than 9 beds) Medical laboratories and diagnostic imaging centers (X-ray, MRI, CT, etc.) Physical and trauma rehabilitation facilities Sleep study clinics and outpatient surgical centers If your client operates a specialty healthcare facility where primary exposure is clinical care rather than inpatient hospital services, this program is a strong option. Examples of good fits include a sleep study center expanding into multiple states or a multi-location physical rehabilitation network seeking consolidated professional liability protection. Coverage Highlights and Advantages Professional liability and general liability combined on a claims-made form for streamlined defense and indemnity handling Written on a non-admitted (surplus lines) basis to allow flexible wording and broader underwriting authority Workers’ compensation available on an admitted basis for qualifying accounts Underwritten capacity supported by AIG, bringing extensive experience in healthcare risks The program is structured to address common exposures for specialty providers—medical malpractice allegations, premises and operations liability, and employment-related injury exposures—while providing surplus lines flexibility to tailor limits and endorsements to unusual operational models. Underwriting Notes and Minimum Premiums Underwriters look for licensed facilities with documented risk management programs, established clinical policies, and experienced clinical staff. While minimum premium requirements vary by state and exposure, the program is intended for accounts substantial enough to justify surplus lines placement. Applicants with frequent or severe prior claims, inadequate documentation, or operations outside accepted clinical guidelines may not meet eligibility standards. Appropriate credentialing, policy documentation, and incident reporting programs materially improve placement prospects. Territories and Availability This Medical Facilities program is available in most states, including but not limited to CA, NY, TX, FL, IL, and PA. Smith Bell & Thompson places business across all 48 contiguous states as well as Alaska, Hawaii, and the District of Columbia. Contact underwriting for any state-specific filing considerations or limitations. Why Work With Smith Bell & Thompson, Inc.? Smith Bell & Thompson combines niche healthcare underwriting expertise with strong carrier relationships to place complex liability risks for specialty medical facilities. As a wholesale partner, they provide responsive underwriting, pragmatic risk evaluation, and access to AIG’s capacity—helping you secure tailored coverage for accounts that don’t fit standard hospital products. Whether you’re placing a single-site imaging lab or a regional rehab chain, Smith Bell & Thompson can help navigate terms, endorsements, and multi-state issues to achieve a clean placement. Frequently Asked Questions What types of accounts are a good fit for this program?This program works well for outpatient and specialty healthcare facilities such as rehab centers, imaging labs, sleep clinics, hospices (with more than 9 beds), and university health centers. Is the coverage admitted or non-admitted?Professional and general liability are written on a non-admitted (surplus lines) basis. Workers’ compensation is available on an admitted basis where applicable. What carriers support this program?The program is backed by AIG, a financially strong insurer with deep experience in healthcare liability underwriting. Are there any states where this program is not available?The program is available in most states, including all 48 contiguous states, Alaska, Hawaii, and the District of Columbia. Contact underwriting for specifics on state eligibility and filing requirements. Can I submit an account with prior claims?Prior claims are considered on a case-by-case basis. Accounts with strong risk management, good documentation, and credible corrective actions are more likely to receive favorable consideration. Need help placing an account? Connect with a market specialist.