https://completemarkets.com/company/afcins/mental-retardationmentally-handicapped-insurance/
Specialized Insurance for Mentally Retarded/Mentally Handicapped Services
AFC Insurance Inc. administers a Health & Human Services program tailored for organizations that provide structured care and support to individuals with intellectual and developmental disabilities. The program is designed to help agents place liability and property coverages that reflect the operational realities of group homes, day programs, sheltered workshops, and similar providers.
Ideal Accounts and Target Classes
This program fits a wide range of human service providers. Target classes include:
Mentally Retarded / Mentally Handicapped Services
Residential facilities and group homes
Day treatment and day habilitation programs
Sheltered workshops and work activity centers
Community residences and supported living
Mental health care and outpatient services for the developmentally disabled
If you represent clients who run structured support programs, vocational training, or residential care for people with intellectual and developmental disabilities, AFC’s program gives you markets and underwriting tailored to that exposure.
Coverage Highlights and Advantages
The program addresses the core exposures these organizations face, including professional liability, general liability, abuse & molestation, and property coverage. Coverage features and advantages include:
Policy forms and limits appropriate to direct-care and residential operations
Abuse & molestation wording available to match agency risk
Flexible underwriting for mixed operations (residential + day services)
Access to multiple carrier partners to find a market fit for unusual or complex risks
Underwriting Notes and Minimum Premiums
Underwriting is handled on a case-by-case basis. AFC evaluates the program type, staffing levels, documented training, behavior management protocols, and prior claims history when matching accounts to carriers. Accounts with written risk-management policies, ongoing staff training, and incident reporting procedures are preferred.
Minimum premiums and retentions vary by carrier, state, and class. Speak with an AFC market specialist to confirm current minimums for a specific account.
Appetite and Typical Restrictions
Best-fit accounts are stable operations with formalized policies and experienced staff. Accounts that may be declined or require special handling include facilities with severe abuse history, unmanaged behavioral programs, or facilities operating outside usual licensing/inspection standards. For complex or higher-risk submissions, provide detailed incident reports, staff qualifications, and copies of care protocols to expedite placement.
Territories and Availability
This program is available on an admitted basis in most states, providing underwriting familiarity and regulatory stability. AFC currently offers the program 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 Work With AFC Insurance Inc.?
AFC is a program administrator focused on health and human services. Agents benefit from AFC’s niche underwriting expertise, established carrier relationships, and practical approach to placing care-oriented operations. AFC can help you structure submissions, identify suitable carriers, and place accounts ranging from a single group home to multi-site day program networks.
Typical scenarios you can place through this program:
A three-location group home operator with documented staff training and incident reporting seeking combined GL, professional liability, and property coverage on an admitted form.
A day habilitation and sheltered workshop program offering vocational training that needs abuse & molestation coverage alongside professional liability limits tailored to client exposures.
Whether the account’s need is admitted placement, specialty abuse coverage, or flexible limits for mixed operations, AFC can work with you to find appropriate carrier capacity.
Frequently Asked Questions
What types of accounts are a good fit for this program?This program is ideal for organizations that provide services to mentally retarded or developmentally disabled individuals, including group homes, sheltered workshops, day treatment centers, and outpatient providers.
Is this program available in all states?The program is available in most U.S. states. Review the listed states or contact AFC Insurance Inc. to confirm availability for your client's location.
What coverages are included in the program?Typical coverage includes general liability, professional liability, abuse and molestation coverage, and property insurance structured for human service providers.
What information is needed to get a quote?Provide details about the facility’s services, number of residents or clients, staffing ratios, training programs, licensing, and any prior insurance history or claims to speed quoting.
Who underwrites this program?AFC Insurance Inc. administers the program and works with multiple carriers to match accounts with the appropriate market.
Need help placing an account? Connect with a market specialist.