Search CompleteMarkets

...ganizers, fair boards, and event managers. Eligible Operations for Fairs Insu...built for fair organizers and event managers. Our in-house team handles underw...

...ypical fits include: Primary residences valued at $500,000 or more Luxur..., valuable collections, or multiple residences. Can I write just the homeowner...

...ypical fits include: Primary residences valued at $500,000 or more Luxur..., valuable collections, or multiple residences. Can I write just the homeowner...

...ganizers, fair boards, and event managers. Eligible Operations for Fairs Insu...built for fair organizers and event managers. Our in-house team handles underw...

...rivate vacation homes and second residences Single-family houses, condos, ...g villas, condos, and single-family residences. Is the MexiHome PLUS Program a...

Insurance Programs of America offers a nationwide Senior Living Insurance Program built for facilities that serve residents aged 55 and older. Marketed as SeniorLivingPro, the program delivers tailored property, liability and income solutions for independent senior housing, subsidized senior housing and age-restricted communities. Coverage is available in most states, with some county-level restrictions in designated Tier 1 and Tier 2 areas. Ideal Accounts and Appetite Age-restricted communities for residents 55 and older Both for-profit and non-profit senior living facilities Properties with or without emergency call systems Facilities offering subsidized rents, including Section 8, 202, 236, and LIHTC housing Multi-story buildings, including those not fully sprinklered This program is best suited for independent senior living communities, affordable senior housing and similar properties where on-site medical care is not the primary service. Accounts with active property management, routine resident screening, and basic life-safety systems are preferred. Risks requiring on-site skilled nursing or assisted living services should be reviewed with underwriting prior to submission. Coverage Highlights and Advantages SeniorLivingPro is placed with top-rated markets, including Lloyd’s of London and other carriers rated "A+ VX" by A.M. Best. Coverage is written on ISO forms and enhanced with limits and options targeted to senior housing exposures: Broad property coverage extensions with available increased limits Boiler and machinery (equipment breakdown) options Limited flood and earthquake coverage available where applicable Business income coverage that can address loss of Low Income Housing Tax Credits (LIHTC) Underwriting Notes and Submission Requirements To accelerate underwriting and obtain competitive terms, provide complete submissions that include: Completed ACORD applications Three years of loss history / loss runs IPOA SeniorLivingPro supplemental application Minimum premium typically starts at $10,000. Submit packages to [email protected] for initial review; include building age, construction type, occupancy mix, protection/sprinkler details and management practices to improve turn times. Territories and Availability SeniorLivingPro is available in most U.S. states. Current territories include: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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 county- and tier-level restrictions apply in Tier 1 and Tier 2 areas; availability and admitted/non-admitted status vary by state. The program is written on both admitted and non-admitted paper depending on the jurisdiction. Why Work With Insurance Programs of America? As a Managing General Underwriter and Excess & Surplus Lines Broker, Insurance Programs of America (IPOA) specializes in niche real estate and community-based risks. IPOA provides agents with access to multiple high-quality markets, focused underwriting for senior housing exposures, and program wording tailored to the operational realities of age-restricted communities. IPOA’s underwriting approach balances risk characteristics—construction, fire protection, management controls and subsidy programs—so agents can place a broad range of senior living accounts that may not fit standard admitted market appetite. Example scenarios where SeniorLivingPro fits well: You represent a three-story LIHTC senior housing property that is partially sprinklered and has no on-site medical services — SeniorLivingPro can provide property and business income limits designed for that risk profile. An independent senior living complex with mixed for-profit and non-profit units, routine tenant screening and emergency response systems — the program can offer tailored liability and equipment breakdown options. Frequently Asked Questions What types of accounts are a good fit for this program?Facilities serving residents aged 55 and older, including independent senior living, subsidized senior housing and age-restricted communities without on-site healthcare services. Are non-sprinklered or partially sprinklered buildings eligible?Yes. Multi-story buildings that are not fully sprinklered can qualify; underwriting will evaluate construction, fire protection and loss history to determine terms. Is the program available in all states?The program is available in most states listed above, but certain Tier 1 and Tier 2 counties may be restricted. Availability and admitted status depend on the state and carrier. What is the minimum premium for this program?Minimum premium typically starts at $10,000, though final pricing depends on risk characteristics, limits and location. What information is required for a submission?Provide completed ACORD applications, three years of loss runs and the IPOA SeniorLivingPro supplemental application. Include property details, occupancy mix and any subsidy program documentation to speed underwriting. Need help placing an account? Connect with a market specialist.

Overview — AFC Insurance Inc. Not-For-Profit Housing Facilities Insurance AFC Insurance Inc. offers a targeted Health & Human Services program for not-for-profit housing facilities. This program is designed for transitional and low-income housing providers that combine affordable housing with an active social service component — for example, counseling, case management, job-readiness or other programs that help residents move from temporary to permanent housing. Ideal Accounts and Appetite You can use this program to place not-for-profit providers focused on temporary-to-affordable housing and low-income housing programs. Typical fits include: Transitional housing programs with documented social services (case management, counseling, re-entry support) Small to medium low-income housing projects operated by 501(c)(3) organizations Programs that operate residential units plus program vans or staff vehicles used in support services Accounts that lack a social service component, operate as licensed medical or skilled nursing facilities, or present unusually high liability exposures may not fit. Submit unusual or complex risks for review — appetite and terms vary by carrier. Coverage Highlights Property coverage for buildings, contents and tenant improvements (limits and forms vary by carrier) Auto coverage for owned or program vehicles used to transport residents or staff (symbol and usage restrictions apply) Program Administrator placement through a variety of carrier partners — admitted or non-admitted availability depends on state and carrier Underwriting Notes and Documentation Underwriters will want to see evidence of the social service component and operational controls. Typical submission requirements include: Statement of operations describing resident eligibility, length of stay and program services Loss runs for current carrier (if any) Copies of lease or occupancy agreements and residential rules Driver lists and vehicle use policies for auto exposures Safety, screening and eviction procedures Minimum premiums and specific terms vary by carrier and state; AFC Insurance Inc. will confirm minimum premium requirements on submission. Territories and Availability Coverage is available in most states; capacity and admitted status vary by carrier. This program is available in the following jurisdictions: 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 Place This Business With AFC Insurance Inc.? As a program administrator focused on Health & Human Services risks, AFC Insurance Inc. provides access to multiple carrier markets and underwriting expertise for not-for-profit housing operators. You’ll benefit from a tailored appetite for transitional and supportive housing, flexible placement options (property and auto), and underwriting that understands the operational nuances of social service programs. Example Accounts Small nonprofit with a 20-unit transitional housing program offering counseling and job support — needs property coverage and a program van on a single policy. Community housing agency operating multiple low-income buildings with on-site case management — needs building and contents protection, plus limited auto coverage for staff transport. If you have a potential submission that fits the classes above, prepare the program description and basic loss information and submit for quotation — carrier availability and terms will be confirmed on review. Frequently Asked Questions What types of accounts are a good fit for this program?Not-for-profit organizations that operate transitional or low-income housing with an active social service component (counseling, case management, job readiness, re-entry programs). The program focuses on housing providers rather than licensed medical or skilled nursing facilities. What coverages are available through AFC Insurance Inc.?Property and auto coverage are the primary offerings for this program. Limits, forms and endorsements depend on the carrier selected and the state of placement. Are there specific underwriting requirements I should include with submissions?Yes. Provide a description of program operations, resident screening and stay limits, loss runs, lease or occupancy agreements, and vehicle use policies if auto is requested. These items speed underwriting and improve placement prospects. How does admitted vs. non-admitted placement work for this program?Admitted status varies by carrier and state. AFC Insurance Inc. works with multiple markets, so placement as admitted or non-admitted depends on the risk profile and state regulations. The program is available in most states listed above. Need help placing an account? Connect with a market specialist.

From tennis, soccer, volleyball, baseball, and football to summer camps, day camps, birthday parties, and more, Indoor Sports Complexes offer a rainbow of sports time fun no matter what the weather conditions are outdoors! American Specialty prides itself on being able to offer unique coverages specifically designed for Indoor Sports Complexes. Eligible Operations for Indoor Sports Complexes Insurance Multi-Sport Facilities Sports Clubs Coaches & Officials Sports Fields Sports Commissions Leagues & Associations Indoor/Outdoor Complexes Stadiums Arenas Program Highlights for Indoor Sports Complexes Insurance “Excellent” or Higher A.M. Best Rated Carrier Admitted Coverage Program-Specific Forms Program-Specific Rates Non-Auditable Policy 24-Hour Claims Service In-House Underwriting In-House Claims Management In-House Risk Management In-House Policy Administration Online Resources & Tools Program Coverages for Indoor Sports Complexes Insurance General Liability Participant Legal Liability Sexual Abuse/Molestation Excess/Umbrella Liquor Liability Automobile Property Crime Employee Benefits Liability Participant Accident Medical Tenant User Liability Workers Compensation Deductible/SIR Options Why Choose American Specialty for Indoor Sports Complexes Insurance? American Specialty Insurance & Risk Services is a trusted Managing General Underwriter with extensive expertise in the sports and recreation industry. This program is tailored for agents and brokers seeking solutions for clients operating year-round indoor sports facilities, from multi-sport arenas to indoor training centers and league-based operations. You may have a client running an indoor soccer dome that also hosts birthday parties and seasonal camps—all under one roof. Or maybe a local organization operating a multi-court volleyball complex that needs participant accident coverage and sexual abuse/molestation protection. American Specialty has built this program to address the unique exposures these types of businesses face. Underwriting and Premium Information Policies are backed by an A.M. Best "Excellent" or higher rated carrier and written on an admitted basis in all available states. Program-specific forms, rates, and non-auditable policies streamline the quoting process and provide a consistent experience. While minimum premiums vary by risk, American Specialty works closely with agents to review submissions efficiently through in-house underwriting, claims, and risk management capabilities. Territory and Availability This program is available in all 50 states and Washington D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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, WV, WI, and WY. Partner With American Specialty With deep experience in the sports and entertainment niche, American Specialty delivers reliable solutions for complex risks. Agents benefit from centralized services—underwriting, claims, risk management, and policy administration—all handled in-house. Comprehensive online tools and resources are also available to support your business and help you serve your clients confidently. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for indoor sports complexes, multi-sport facilities, leagues, associations, and venues offering camps, birthday parties, and training sessions year-round. Is the program available in all states?Yes, the program is available in all 50 states and Washington D.C. Are policies written on an admitted basis?Yes, coverage is offered on an admitted basis through an A.M. Best “Excellent” or better rated carrier. Does the program include abuse and molestation coverage?Yes, sexual abuse and molestation coverage is included as part of the available program coverages. Can I get support with underwriting and risk management?Yes, American Specialty provides in-house underwriting, claims handling, policy administration, and risk management services. Need help placing an account? Connect with a market specialist.

... organizations managing multiple residences and service models. Ideal Accoun...