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AFC Insurance Inc. offers a specialized insurance solution through its Health & Human Services division: the Special Schools Insurance Program. This program is designed specifically for institutions serving students with developmental disabilities, mental handicaps, behavioral challenges, or sensory impairments such as deafness or blindness. Whether your client operates a private school for children with autism or a nonprofit educational facility for students with severe learning disabilities, AFC provides tailored coverage to meet the unique risks these organizations face. Ideal Accounts and Appetite This program is ideal for schools and facilities that focus on: Developmentally disabled students Mental retardation or mental handicaps Autism spectrum disorders Severe learning disabilities Behavioral and emotional challenges Deaf or blind students You can place business for both nonprofit and for-profit entities, including independent special education schools, day programs, and therapeutic learning centers. Typical accounts include facilities with a structured curriculum and licensed staff trained to address special needs education. Coverage Highlights and Advantages AFC's Special Schools Insurance Program includes a broad array of coverages designed to protect against the complex exposures these organizations face. Available coverages include: Package policies General Liability and Professional Liability Umbrella and Excess coverage Property insurance Commercial Auto (restrictions may apply) Abuse and Molestation coverage Coverage extensions and endorsements, such as: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds This comprehensive package allows agents and brokers to offer meaningful protection to schools that face both educational and clinical exposures in their daily operations. Underwriting Notes and Minimum Premiums Minimum premiums vary based on account size, location, and scope of services. While appetite is broad, underwriters will assess factors such as staff licensing, incident history, student-to-staff ratios, and the types of services provided. Accounts with strong risk management protocols and established safety training will typically align well with program guidelines. Territories and Availability This program is available in most states on an admitted basis, including but not limited to CA, FL, TX, NY, IL, and PA. AFC currently offers this product in over 45 states, giving you nationwide access with flexible options to place your clients efficiently. Why Work With AFC Insurance Inc. As a dedicated Program Administrator, AFC Insurance Inc. brings deep industry knowledge and a focused underwriting approach to the educational and human services space. With access to a variety of carriers and a commitment to responsive service, AFC is well-positioned to help agents and brokers place hard-to-insure educational risks. The Special Schools Insurance Program is backed by markets that understand the nuances of teaching and caring for students with special needs, providing peace of mind for your clients and confidence for your agency. Frequently Asked Questions What types of accounts are a good fit for this program?Special education schools, therapeutic day programs, and nonprofit learning centers that serve developmentally disabled, autistic, or behaviorally challenged students are ideal fits. Is abuse and molestation coverage included in this program?Yes, abuse and molestation coverage is available and can be included as part of the package, subject to underwriting review. Do you cover both for-profit and nonprofit organizations?Yes, the program can accommodate both for-profit and nonprofit special schools, depending on underwriting guidelines and risk profile. Are independent contractors and volunteers covered?Yes, coverage extensions are available to include volunteers and independent contractors as insureds under the policy. What states is this program available in?The program is available in most states, including CA, TX, FL, NY, and over 40 others. Admitted coverage is available in many of these states. Need help placing an account? Connect with a market specialist.

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