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...rs & Officers (D&O) Liability • Employment Practices Liability • Equipment Bre...Directors & Officers Liability and Employment Practices Liability can be added...

... Directors & Officers / Employment Practices Liability Cyber &...

Significant expertise and underwriting infrastructure are essential when it comes to insuring crisis centers and similar social service organizations. NIF Group Inc. offers a tailored Crisis Centers Insurance program designed specifically for nonprofits, mental health facilities, and social service providers that deliver critical services to vulnerable populations. Agents working with these accounts need insurance solutions that go beyond basic coverage—and NIF Group delivers that with comprehensive protection and program flexibility. This program provides vital liability protection for the organization, its employees, and volunteers. Policies can be structured to extend coverage to independent contractors, healthcare professionals, and others involved in delivering services. Whether your client operates a small local crisis hotline or a multi-location behavioral health facility, NIF Group can help protect their mission and operations. Ideal Accounts and Program Appetite The Crisis Centers Insurance program is built for a wide range of nonprofit and social service providers, including: Community crisis hotlines Suicide prevention centers Domestic violence shelters and support centers Mental health counseling facilities Behavioral health and addiction recovery programs Accounts with volunteer staff, onsite counseling, outreach programs, and mobile services are all eligible considerations. Organizations with healthcare providers on staff or contractual medical professionals can also be accommodated under the professional liability options. Coverage Highlights and Advantages NIF Group’s package policies offer broad, customizable coverage to meet the unique risks associated with crisis and social services operations. Standard coverages include: General liability insurance Professional liability, including healthcare liability Property insurance Auto liability and physical damage Boiler and machinery Crime insurance Umbrella/excess liability Optional enhancements are available to address more specialized exposures: Employee benefits liability Equipment breakdown Sexual/physical misconduct coverage Directors & Officers (D&O) for nonprofits, with EPLI Coverage can be tailored to match the operational structure—whether your client relies heavily on volunteers, contracts with outside counselors, or employs medical personnel directly. Underwriting Notes and Minimum Premiums Minimum premiums vary based on account size, services provided, and coverage selections. NIF Group’s underwriters are experienced in evaluating nonprofit and healthcare-related risks and can work with agents to structure appropriate and competitive terms. Loss control support and claims expertise are also key parts of the offering, helping your clients manage risk and respond effectively when incidents occur. Territories and Availability This program is available in nearly all U.S. states, with the exception of Hawaii and Louisiana. Coverage can be written on an admitted basis where available. States include CA, TX, FL, NY, IL, PA, and most others—see the full list for specific state availability. Why Work With NIF Group Inc.? NIF Group Inc. is a trusted program administrator with deep experience in the nonprofit and human services space. Their specialized underwriting knowledge, broad market access, and responsive service make them a valuable partner for agents placing crisis center and social services accounts. You can rely on NIF Group to help you navigate complex exposures and deliver tailored coverage solutions that protect your clients and support their mission-driven work. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include nonprofit crisis centers, counseling facilities, suicide prevention hotlines, domestic violence shelters, and behavioral health organizations. Can this program cover medical professionals working with the organization?Yes, the program can be structured to include professional liability for employed or contracted medical personnel, including counselors and healthcare providers. Is volunteer staff covered under this policy?Yes, volunteers are commonly included in the policy, and coverage can be customized to account for their roles and responsibilities. What is the minimum premium for this program?Minimum premiums vary depending on the size and scope of the organization, as well as selected coverages. Contact NIF Group for underwriting details. In which states is this program available?The program is available in most U.S. states, except Hawaii and Louisiana. It is offered on an admitted basis where applicable. Need help placing an account? Connect with a market specialist.

... Job placement and supported employment services Vocational training and ... that provide structured training, employment readiness, and supervised commun...

...caregiving, transportation, and employment practices. Underwriting Notes an...

...at also provides counseling and employment services—this program is built to h...

...group homes) Services for developmentally disabled clients (group homes, day workshops,...

...des Directors & Officers (D&O), Employment Practices Liability Insurance (EPLI...

AFC Insurance Inc. offers a focused Employee Assistance Programs Insurance solution through its Health & Human Services Program. Built for providers of Employee Assistance Programs (EAPs), this offering helps your clients manage the professional and operational risks tied to counseling, substance-use support, referrals, crisis intervention, and other employee wellness services. Whether your insured operates a standalone EAP or delivers EAP services as part of a broader HR or benefits platform, this program is designed to address the unique liability exposures those services create. Ideal Accounts and Appetite This program targets organizations that provide a broad range of employee assistance services, including: Professional counseling and mental health support Substance abuse and addiction services — including gambling and other behavioral addictions Referral services for health, legal, or financial assistance Ideal clients include both non-profit and for-profit EAP providers, third-party administrators, and wellness vendors that deliver EAP services to employers, school districts, municipalities, or healthcare systems. Accounts with clear policies, documented intake and referral procedures, licensed clinicians or credentialed vendors, and formal risk management practices are a particularly good fit. Typical restrictions or additional underwriting scrutiny may apply to accounts that deliver inpatient/residential treatment, highly specialized forensic services, or those with significant prior losses. AFC underwriters review each account on its facts and will advise when placements require enhanced terms or alternative markets. Coverage Highlights and Advantages The Employee Assistance Programs Insurance from AFC includes coverages tailored to human services providers. Available options include: Package policies General liability and professional liability Coverage endorsements and enhancements Volunteers and independent contractors included as insureds Optional key employee replacement endorsement Optional extended coverage endorsement with blanket additional insured Umbrella and excess liability options Property and auto coverage (some restrictions may apply) Abuse & molestation coverage These coverages are intended to address both standard business exposures and the specialized liabilities that arise from providing mental health, counseling, and referral services. Underwriting Notes and Minimum Premiums AFC works with a panel of carriers to deliver flexible underwriting solutions. Accounts are evaluated on services offered, staff credentials, use of contractors, number of employees, client population, prior loss history, and overall risk management. Optional endorsements let you tailor limits and coverage to the client’s exposures. Minimum premiums vary by carrier and the size and scope of operations; AFC quotes each account to determine competitive and appropriate pricing. 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. Coverage is admitted in most available states. Why Work With AFC Insurance Inc.? As a program administrator focused on health and human services, AFC brings sector expertise and underwriting tailored to EAP exposures. Working through AFC gives you: Access to markets that understand counseling and behavioral health liability Customizable endorsements to include volunteers and independent contractors Options for umbrella/excess limits and abuse & molestation coverage Responsive service for placement and endorsement requests AFC is positioned to help you place small behavioral health nonprofits through larger national EAP providers by matching accounts to the carrier and terms that best fit their risks. Agent Scenarios — When to Consider This Program You might have a client that provides EAP counseling and referral services to regional employers — this program can provide professional liability, general liability, and optional excess limits tailored to that mix. You might place a nonprofit employee wellness provider that uses a mix of staff clinicians and contracted counselors — AFC’s endorsements to include volunteers and independent contractors help simplify placement. Frequently Asked Questions What types of accounts are a good fit for this program? This program is best for professional EAP providers, counseling services, addiction recovery programs, and organizations offering employee wellness and referral resources. Are independent contractors and volunteers covered? Yes. The program includes coverage enhancements that allow volunteers and independent contractors to be included as insureds where appropriate. Is this coverage available in all states? The program is available in most states and is admitted in many of them. Availability and state-specific requirements can vary by carrier. Can I get coverage for abuse and molestation claims? Abuse and molestation coverage is available subject to underwriting and eligibility criteria. What minimum premium should I expect? Minimum premiums vary based on the account’s services, size, and risk profile. AFC evaluates each submission to provide a tailored quote. Need help placing an account? Connect with a market specialist.

Irwin Siegel Agency (ISA) offers a specialized Behavioral and Mental Healthcare Providers insurance program designed to meet the unique risks faced by organizations offering psychiatric, psychological, and counseling services. Written through CHUBB®, this comprehensive program supports both residential and outpatient care providers with tailored coverage, dedicated claims handling, and expert risk management services. Whether your client operates a group home, crisis hotline, or outpatient counseling center, ISA's program delivers broad protection so your insureds can focus on their core mission—supporting mental health and emotional wellness. Ideal Accounts and Eligible Classes This program is ideal for nonprofit and for-profit organizations providing behavioral and mental health services in both residential and outpatient settings. Common eligible classes include: Behavioral Health Facilities (inpatient and outpatient) Counseling Services and Crisis Hotlines Psychiatric Rehabilitation Services Group Homes and Halfway Houses Eating Disorder Counseling Marriage and Family Counseling Emergency Shelters for Mentally Ill Individuals Support Groups and Referral Services Suicide Prevention and Telephone Counseling Centers Coverage Highlights Package Coverage Includes: Abuse and Molestation General Liability Professional Liability Property Crime Inland Marine Business Auto Umbrella Enhancements & Supplements: Umbrella & Abuse Coverage Capacity Options Directors & Officers (D&O) / EPLI Cyber & Privacy Liability HIPAA Protector Volunteer Accident Coverage Property Enhancements Special Events Coverage Underwriting Considerations Minimum premium varies based on class and exposure, and submissions are evaluated case by case. ISA works closely with agents to assess risk and tailor coverage accordingly. Strong documentation, safety protocols, and staff training can support favorable underwriting outcomes. Nationwide Availability This program is available on an admitted basis in all 50 states plus Washington, D.C. ISA provides consistent underwriting and program support regardless of location, helping agents serve clients across state lines. Why Place Your Behavioral Health Accounts with ISA? As a Program Administrator with decades of experience in human and social services, Irwin Siegel Agency understands the nuanced risks behavioral health providers face. ISA goes beyond coverage by offering personalized risk management resources, industry-specific insights, and responsive claims coordination. With CHUBB® as the carrier partner, you can place your accounts with confidence knowing they are backed by financial strength and a commitment to service. For more information about insurance programs for Behavioral and Mental Healthcare Service Providers, give us a call today at 800.622.8272 or visit the program page of our website, http://www.siegelagency.com/insurance-programs/behavioral-mental-healthcare/. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for behavioral health organizations such as group homes, counseling centers, psychiatric rehabilitation services, and crisis intervention providers. Is the program available in all states?Yes, the Behavioral and Mental Healthcare Providers program is available on an admitted basis in all 50 states and Washington, D.C. Which carrier underwrites this program?The program is written through CHUBB®, offering strong financial backing and a reputation for claims excellence. What is the minimum premium for this program?Minimum premiums vary depending on exposure, location, and type of services provided. ISA evaluates each submission individually. Can this program cover special events or volunteers?Yes, optional enhancements are available for special events and volunteer accident protection, among other coverage extensions. Need help placing an account? Connect with a market specialist.