Search CompleteMarkets

...o help agents place Food Banks and Soup Kitchens. The Food Banks/Soup Kitchens Insurance program is built fo...bution operations such as food banks, soup kitchens, nutrition centers, kosher food b...

...s Welfare-to-Work Programs Soup Kitchens Meals on Wheels and simil...or community-based nonprofits such as soup kitchens, Meals on Wheels, WIC programs, a...

AFC Insurance Inc. offers a specialized HIV / AIDS Insurance program within its Health & Human Services Program. Designed to support organizations that serve individuals living with HIV/AIDS, this program is tailored for service providers delivering critical care, resources, and advocacy. It is structured to address the unique risks these organizations face, providing comprehensive coverage options and flexible underwriting to meet a variety of operational needs. Ideal Accounts and Appetite This program is intended for nonprofit and for-profit organizations that provide direct services to individuals living with HIV/AIDS. Typical eligible accounts include: Community-based HIV/AIDS service organizations Hospice providers caring for HIV/AIDS patients Nutrition and wellness counseling programs tailored for HIV-positive individuals These organizations commonly deliver a mix of medical, emotional, and social services such as case management, life coaching, housing assistance, transportation, and educational outreach. Ineligible risks: needle exchange programs are excluded from this program. Coverage Highlights and Advantages Agents can place a broad package of coverages designed for health and human services providers. Available coverages and enhancements include: General Liability and Professional Liability Property and Auto (subject to underwriting restrictions) Umbrella Liability Abuse & Molestation coverage Coverage enhancements such as: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insured The program is structured to address exposures common to these organizations, including professional liability arising from counseling services, claims involving volunteers, and auto liability related to client transportation. Underwriting Notes and Minimum Premiums Minimum premiums vary by account based on size, services provided, and coverage selections. AFC Insurance Inc. works with multiple carrier partners to offer flexible solutions and competitive pricing for qualifying risks. For accurate quoting, submissions should include full operational details: services offered, client population, staffing and volunteer structure, transportation usage, and any risk management practices or incident history. Territories and Availability The HIV / AIDS Insurance program is available in most states, including major markets such as CA, NY, TX, FL, IL, and PA. In total the program spans more than 45 states plus DC. Coverage is available on an admitted basis in most states; state-specific placement options and forms may vary. Why Work With AFC Insurance Inc. As a dedicated Program Administrator, AFC Insurance Inc. brings specialized underwriting expertise in the health and human services sector. Their team understands the sensitive and complex risks organizations serving people living with HIV/AIDS face. AFC provides access to multiple markets, specialized endorsements, and underwriting flexibility—helping you place accounts that might not fit standard markets. Agent scenarios where this program fits well: You have a small nonprofit that provides nutrition counseling and case management to HIV-positive clients and needs professional liability plus volunteer coverage. You represent a larger community-based provider that offers transportation and hospice care and requires a combination of general liability, professional liability, and auto coverage with abuse & molestation protections. Whether your client is a small counseling program or a multi-service provider, AFC’s program is structured to deliver appropriate protection with responsive underwriting and market access. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for organizations that provide direct services to individuals living with HIV/AIDS, including hospices, counseling centers, and community support agencies. Are needle exchange programs eligible for coverage?No. Needle exchange programs are specifically excluded from eligibility under this program. What coverages are included in the package?Typical offerings include General and Professional Liability, Property, Auto (with restrictions), Umbrella, Abuse & Molestation, plus endorsements for volunteers and key employees. Is this program available nationwide?The program is available in most U.S. states, including major markets like NY, CA, TX, and FL. Availability and form types vary by state—check with AFC for state-specific details. What is the minimum premium for this program?Minimum premiums vary by risk characteristics, services provided, and selected coverages. Contact AFC Insurance Inc. for a tailored quote based on the account details. Need help placing an account? Connect with a market specialist.

...seling Facilities • Food Banks and Soup Kitchens • Halfway Houses • Homeless and Tran...

Parent Outreach Insurance is a targeted offering from AFC Insurance Inc.’s Health & Human Services program. Built for organizations that deliver parenting education, support, and outreach, this program helps agents and brokers place tailored coverage for clients running workshops, coordinating parent support groups, or providing peer-to-peer and one-on-one counseling. The package is designed to address both operational exposures and professional liability unique to parent outreach services. Ideal Accounts and Appetite This program is best suited for nonprofit and community-based organizations focused on strengthening family and parent-child relationships. Eligible classes commonly include: Parent outreach and engagement programs Structured parenting workshops and classes Peer-to-peer and group-based counseling services If your client provides structured parenting education, community-based family support, or volunteer-led outreach, Parent Outreach Insurance with AFC can be a good placement option. Coverage Highlights and Advantages AFC Insurance Inc. assembles a practical package of coverages to address common risks faced by parent outreach organizations. Available coverages and endorsements include: Package policy options that combine multiple lines General liability and professional liability for counseling/mentoring exposures Property and commercial auto (subject to restrictions) Umbrella liability for higher aggregate limits Abuse & molestation coverage (subject to underwriting) Volunteers and independent contractors can be included as insureds Optional endorsements: Key Employee Replacement; Extended Coverage with Blanket Additional Insured These elements help protect against claims related to counseling and instruction, third-party injury, volunteer exposure, and damage to program facilities or rented space. Underwriting Notes and Minimum Premiums AFC takes a flexible, programmatic underwriting approach and evaluates submissions on a case-by-case basis. Common underwriting considerations include participant age ranges, whether transportation is provided, supervision ratios for group activities, and whether work occurs in high-exposure settings. Minimum premiums vary by state, account size, and exposures. AFC reviews each submission to determine appropriate pricing and any state-specific requirements. Territories and Availability The Parent Outreach Insurance program is available in most states, with admitted paper offered in many jurisdictions depending on risk characteristics. Availability includes (but is not limited to): 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. Placement will typically be on an admitted basis where applicable; non-admitted options may be available depending on the carrier and state. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a specialized program administrator with focused expertise in Health & Human Services lines. Agents and brokers benefit from: Underwriting teams familiar with nonprofit and community-based program risks Access to tailored endorsements that address volunteer, counseling, and child/family exposures Responsive service and flexibility for multi-site or growing organizations Example fits: You might have a small nonprofit that runs weekly parenting classes at community centers and uses volunteers to co-facilitate—this program can provide GL, professional liability, and volunteer coverage. Or you may place a mid-sized agency that offers peer counseling and occasional off-site events and needs abuse & molestation coverage plus umbrella limits. Frequently Asked Questions What types of accounts are a good fit for this program? Nonprofit and community-based organizations that offer parenting workshops, peer-to-peer counseling, and other structured parent outreach services are ideal candidates. What coverages are included in the Parent Outreach Insurance program? The program offers General and Professional Liability, Property, Umbrella, Auto (with restrictions), and endorsements such as Abuse & Molestation and Key Employee Replacement. Are volunteers and independent contractors covered? Yes. Volunteers and independent contractors can be added as insureds through specific endorsements included in the program. Is this program available in all states? The program is offered in most states (over 45) and Washington, DC. Availability and admitted status depend on state rules and the individual risk profile. What is the minimum premium for this program? Minimum premiums vary based on the organization’s size, services, and location. AFC evaluates each submission to determine appropriate pricing. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc. offers a specialized Respite Care Insurance program under its Health & Human Services division, designed to support agents and brokers placing coverage for organizations serving vulnerable populations. Respite care services provide temporary relief to primary caregivers of elderly, ill, or developmentally disabled individuals—an essential yet often overlooked part of the care continuum. These services come with unique liability exposures and operational risks that require tailored insurance solutions. Ideal Accounts and Eligible Classes: This program is ideal for insureds offering temporary care or support services to individuals with developmental disabilities, chronic illness, or other special needs. It is structured to accommodate a wide range of organizations, including: Camps (Special Needs, Adventure, or Licensed Summer Camps for the Developmentally Disabled) Respite Care Facilities and Day Programs Hospice Organizations Traumatic Brain Injury (TBI) Programs Organizations operating under ARCs (Associations for Retarded Citizens) Services providing relief for long-term caretakers Whether your client runs a licensed summer program for developmentally disabled youth or operates a respite day facility for seniors with dementia, this program can provide the necessary coverage framework. Coverage Highlights and Advantages: This program offers a comprehensive package of coverages to address the multifaceted risks associated with respite care services, including: General and Professional Liability Package Policies Umbrella Coverage Property and Auto (some restrictions may apply) Abuse & Molestation Coverage Coverage Enhancements including: Volunteers & Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These comprehensive options ensure that your clients are protected against the full spectrum of liability and operational risks inherent in their field. Underwriting Considerations and Minimum Premiums: Minimum premiums vary depending on the size, scope, and nature of the risk. AFC Insurance Inc. evaluates each submission carefully and works closely with agents to identify the best coverage options. Accounts should demonstrate appropriate licensure, staff training, and risk management protocols to be considered. Territories and Availability: This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and WA. See the full list of eligible states for your client placements: 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.? As a dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in the health and human services sector. With flexible underwriting, access to multiple carrier partners, and a focus on specialized care environments, AFC is an excellent partner for agents placing respite care and related accounts. You’ll benefit from responsive service, knowledgeable underwriters, and a program built to adapt to the evolving needs of care providers. You might have a client running a summer adventure camp for developmentally disabled teens or a nonprofit offering day respite services for Alzheimer’s patients—this program is built to meet their insurance needs with tailored coverages and risk-focused underwriting. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for respite care providers, developmental disability camps, hospice services, TBI programs, ARCs, and nonprofit organizations offering temporary relief to primary caregivers. What coverages are included in the Respite Care Insurance program?The program includes General and Professional Liability, Umbrella, Property, Auto (with some restrictions), Abuse & Molestation, and optional endorsements such as Key Employee Replacement and Blanket Additional Insureds. Is this program available on an admitted basis?Yes, the program is available on an admitted basis in most states where it is offered. Availability may vary depending on the specific risk and location. What is the minimum premium for this program?Minimum premiums vary depending on the size and type of risk. AFC Insurance Inc. evaluates each submission individually to determine appropriate pricing. Which states is this Respite Care Insurance program available in?The program is available in most states, including CA, TX, NY, FL, IL, and more. Please refer to the full list of covered states for complete availability. Need help placing an account? Connect with a market specialist.

AFC Insurance Inc.’s Autism Insurance program is offered through its Human & Social Services Insurance platform. As a program administrator with access to multiple admitted carriers, AFC provides flexible, industry-specific solutions for organizations that deliver services to individuals diagnosed with autism. The program can be structured to cover diagnostic assessments, behavioral health therapy, rehabilitative services, counseling, and pharmacy-related support — with options to combine general and professional liability into a single package policy. Ideal Accounts and Appetite This program is designed for a range of autism-service organizations. Typical classes we place include: Autism services providers — outpatient centers, in-home therapy providers, and day-program operators Special schools — private or nonprofit schools focused on special education for children with autism spectrum disorders From the agent’s perspective: this is a good market when your client needs protection for both general liability exposures (slips/trips, premises) and professional exposures (therapy, assessments, treatment plans). AFC is particularly useful for accounts with part-time staff, regular volunteers, or contracted therapists who require endorsed coverage. Coverage Highlights and Advantages Offered on an admitted basis in most states, the program bundles a broad set of coverages that human and social services organizations commonly need: General Liability and Professional Liability (errors & omissions) Package policy options to simplify placement and reduce coverage gaps Endorsements and enhancements, including: Volunteers & independent contractors included as insureds Optional key employee replacement Optional blanket additional insured endorsement for contractual relationships Umbrella and excess limits to extend primary liability capacity Property and auto coverage (subject to underwriting restrictions) Abuse & molestation coverage — available where admitted These options help agents tailor policies for multi-location programs, mobile in-home services, and organizations that rely on volunteers or subcontractors. Underwriting Notes and Minimum Premiums Underwriting emphasizes the operational controls that reduce liability exposures: staff training and credentials, documented treatment plans, background checks, supervisory ratios, and client intake/consent procedures. Common factors that affect pricing and acceptability include the types of services provided, frequency of in-home work, staff composition (W-2 employees vs. contractors), and prior loss history. Minimum premiums and final terms vary by state, carrier, and selected coverages. AFC works directly with agents to identify the optimal carrier within their panel and structure limits and endorsements to match the client’s risk profile and budget. Territories and Availability The program is available in most U.S. jurisdictions. AFC currently offers this product in 49 states plus Washington, DC. Availability and specific coverage features can vary by state, so confirm state eligibility and any local restrictions when submitting a referral. Why Work With AFC Insurance Inc. AFC brings focused underwriting experience in the human and social services sector and access to admitted markets that prefer specialty program business. As a program administrator, AFC can tailor package solutions, place complex or multi-location accounts, and provide agent support through underwriting consultation and flexible endorsements. Example placements that fit well: you might have a mid-sized private autism therapy center operating from several leased locations that needs both professional liability and umbrella limits; or a nonprofit special education school relying on volunteers and contracted therapists that requires volunteer-insured endorsements and abuse & molestation coverage. Frequently Asked Questions What types of accounts are a good fit for this program?Autism therapy providers, special education schools, and nonprofit organizations offering autism-related services are ideal fits. Is this program available on an admitted basis?Yes, the program is offered on an admitted basis in most states. Are volunteers and independent contractors covered?Yes, volunteers and independent contractors can be included as insureds through available coverage endorsements. What coverages are typically included in the program?The program includes general liability, professional liability, property, auto (with some restrictions), umbrella, and abuse & molestation coverage, along with optional enhancements. In which states is this program available?The program is available in 49 states plus Washington, DC. Contact AFC Insurance Inc. for availability in specific states. Need help placing an account? Connect with a market specialist.

Individual Residential Alternatives Insurance is a key component of AFC Insurance Inc.’s comprehensive Health & Human Services program. Designed for service providers supporting individuals with developmental or intellectual disabilities, this specialized insurance solution helps protect providers offering care in supervised apartment settings. If you’re working with clients who assist developmentally disabled or mentally handicapped individuals seeking independent living with supportive oversight, this program is built for their unique risks and exposures. Ideal Accounts and Appetite This program is specifically tailored for organizations and caregivers offering residential services to: Developmentally Disabled individuals Mentally Retarded/Mentally Handicapped persons Elderly individuals requiring supportive living arrangements These may include non-profits, private care agencies, and other organizations managing Individual Residential Alternatives (IRAs), supervised apartments, or similar facilities where residents receive daily living support. Coverage Highlights and Advantages The program offers a robust package of insurance coverages to address the complex liability and operational exposures faced by IRA providers. Available coverages include: General Liability and Professional Liability Property and Auto (with some restrictions) Umbrella coverage for extended limits Abuse and Molestation coverage Coverage Endorsements and Enhancements, including: Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds This flexibility allows agents to meet the specific needs of each client, whether they operate a small group home or a multi-location care organization. Underwriting Notes and Minimum Premiums Minimum premiums vary based on the size and scope of the operation, as well as selected coverages. AFC Insurance Inc. evaluates each submission with a focus on aligning coverage to specific exposures. Certain auto risks may be restricted, and a strong risk management or training program is often favorable in underwriting. Example accounts that fit well include: A community-based nonprofit operating several supervised apartments for adults with developmental disabilities A private agency providing 24/7 care to elderly clients in an Individual Residential Alternative setting 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 written on an admitted basis in most states, though availability may vary based on class and carrier. Why Work With AFC Insurance Inc.? AFC Insurance Inc. is a trusted program administrator with deep experience in Health & Human Services insurance. Their Individual Residential Alternatives Insurance program is designed with the unique exposures of caregiving and supportive housing in mind. Agents benefit from a responsive underwriting team, flexible coverage options, and access to a variety of carriers. Whether you're helping a startup nonprofit or an established care provider, AFC can help you deliver tailored solutions that protect your clients and support their mission. Frequently Asked Questions What types of accounts are a good fit for this program?Organizations providing residential services to developmentally disabled, mentally handicapped, or elderly individuals in supervised apartment settings are ideal candidates. Is abuse and molestation coverage included?Yes, abuse and molestation coverage is available as part of the program to help address critical liability exposures in caregiving environments. Are volunteers and independent contractors covered?Yes, the program offers endorsements that include volunteers and independent contractors as insureds, helping clients extend protection beyond regular employees. Which states is this program available in?The program is available in most states, including NY, CA, TX, FL, and many others. Availability may vary depending on the specific risk and carrier. What are the minimum premium requirements?Minimum premiums vary depending on coverage selections, risk size, and operations. AFC evaluates each submission individually to determine premium requirements. 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.

AFC Insurance Inc. offers a specialized Eating Disorders Insurance program within its Health & Human Services suite. The program is designed for organizations that provide care and rehabilitation for individuals with eating disorders and helps agents and brokers place coverage for facilities delivering structured support such as counseling, behavioral health treatment, nutritional advising, residential care, and life coaching. Ideal Accounts and Appetite This program targets organizations focused on treating and supporting individuals with eating disorders, including: Residential treatment centers Outpatient counseling and therapy providers In-patient housing programs Nutrition and behavioral health clinics Life coaching and wellness centers focused on eating disorder recovery Covered diagnoses include Anorexia Nervosa, Bulimia Nervosa, Binge Eating Disorder, Compulsive Overeating, and other clinically recognized eating disorders. Coverage Highlights and Advantages AFC’s program delivers a flexible suite of coverages to protect organizations from the liability and operational risks common in human services and behavioral health care. Available options include: Package policies General Liability and Professional Liability Endorsements to add Volunteers and Independent Contractors as Insureds Optional Key Employee Replacement endorsement Optional Extended Coverage with Blanket Additional Insureds Umbrella and Excess Liability Property and Auto (subject to underwriting restrictions) Abuse & Molestation coverage These coverages address exposures faced by providers working with vulnerable populations in both residential and outpatient settings. Underwriting Notes and Minimum Premiums Minimum premiums depend on the size, services, and location of the operation. AFC works with a panel of carriers to create tailored programs and applies underwriting criteria suited to behavioral health and human services risks. Note that auto coverage may carry specific restrictions and is evaluated on a case-by-case basis. Territories and Availability This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and PA. AFC Insurance Inc. can write this program in all of the following states: 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.? As a program administrator with deep experience in the health and human services sector, AFC understands the specialized risks associated with treating eating disorders. AFC offers tailored coverage options supported by experienced underwriters and access to multiple carrier partners. Whether your client is a start-up residential facility or an established outpatient clinic, AFC can provide flexible solutions and responsive service for this niche area of care. Frequently Asked Questions What types of accounts are a good fit for this program?Residential treatment centers, outpatient therapy and counseling programs, nutrition clinics, in-patient housing programs, and wellness organizations that focus on eating disorder recovery are strong fits. Is this program available on an admitted basis?Yes. Coverage is available on an admitted basis in most states, depending on the specific risk profile and jurisdiction. Are volunteers and independent contractors covered?Yes. The program includes endorsements that allow volunteers and independent contractors to be added as insureds when appropriate. What is the minimum premium for this program?Minimum premiums vary by operation size, services offered, and location. Contact AFC for underwriting guidelines and pricing details. Which states is this program available in?The program is available in most states nationwide, including CA, TX, FL, NY and many others; a full list of eligible states is provided above. Need help placing an account? Connect with a market specialist.