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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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers specialized insurance solutions for nursing home transportation services. If you’re an agent or broker working with clients in the senior care or medical transportation space, this program can provide the protection they need for their passenger vans and transport operations. Reach out today to discuss a quote and placement options. Overview of the Program From Colonial General Colonial General brings decades of experience as a Managing General Agency and Excess & Surplus Lines Broker, providing tailored transportation programs across the Western U.S. Our Nursing Home Van Insurance program is designed to meet the unique risks faced by nursing homes and elder care facilities that transport residents for medical appointments, outings, or treatment centers. This program supports agents looking to place specialized auto liability and physical damage coverage for commercial passenger vans. Ideal Accounts and Appetite This program is ideal for facilities providing non-emergency transportation for elderly or disabled residents, particularly those under Medicare or Medicaid contracts. We work with agents placing business for nursing homes, assisted living facilities, and long-term care providers that operate vans with passenger seating. However, please note: We generally do not have markets for wheelchair-accessible vehicles in most states. Facilities must hold valid Medicare or Medicaid transportation contracts. If you have a client operating multiple vans with scheduled routes for residents, or a mid-sized nursing home transporting patients up to 500 miles away for care, this program could be a strong fit. Coverage Highlights and Advantages Commercial Auto Liability limits available up to $1,000,000 Combined Single Limit (CSL). Meets state and federal liability requirements based on passenger seating capacity (up to 1.5 million). Physical damage coverage with flexible deductible options ranging from $500 to $5,000. Radius of operation up to 500 miles. Cargo limits up to $100,000, including coverage for refrigerated cargo breakdown. This package offers robust protection for both the vehicles and the sensitive cargo being transported—your clients' residents. Underwriting Notes and Minimum Premiums Underwriting is handled on an account-by-account basis, with consideration given to experience, safety protocols, and compliance with Medicaid/Medicare standards. While no specific minimum premium is listed, we encourage agents to contact us for details based on vehicle count and coverage selections. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in select states; otherwise, coverage is placed through non-admitted carriers as needed. Why Work With Colonial General? Colonial General is a trusted MGA and E&S broker with deep experience in transportation and niche healthcare-related risks. We offer access to a variety of markets and flexible underwriting for agents working with specialized accounts. Whether your client operates a single van or a fleet, we can help you place reliable coverage tailored to their needs. Frequently Asked Questions What types of accounts are a good fit for this program?Nursing homes, assisted living facilities, and elder care providers that operate vans for non-emergency transportation under Medicare or Medicaid contracts. Are wheelchair-accessible vehicles eligible for coverage?In most states, we do not have markets for wheelchair-accessible vehicles. Please contact us for specific state availability. What is the maximum coverage radius allowed?We offer radius options up to 500 miles for eligible accounts. Is this an admitted or non-admitted program?Some admitted markets are available, but many placements are made through non-admitted carriers depending on the state and risk profile. What cargo coverage options are available?We provide cargo coverage limits up to $100,000, including protection for refrigerated cargo breakdown. Need help placing an account? Connect with a market specialist.

Healthcare Insurance Program A & B Insurance Solutions LLC is a Managing General Agency and Excess & Surplus Lines broker focused on placing complex healthcare risks. We provide agents and brokers with access to multiple carrier relationships and tailored solutions for hard-to-place or specialized healthcare operations. Use this program to place accounts that need flexible underwriting, expanded appetite, or non-standard coverage forms. Ideal Accounts and Areas of Expertise This program is designed for both for-profit and nonprofit organizations across the healthcare spectrum. Our primary focus is on senior living and miscellaneous healthcare providers, including: Senior Living Facilities: Sub-Acute/Rehabilitation Centers Skilled Nursing Facilities Intermediate Care Facilities Assisted Living Communities Independent Living Facilities Continuing Care Retirement Communities (CCRCs) Miscellaneous Healthcare Risks: Hospice Providers Home Healthcare Agencies Medical Staffing Firms Mental Health Facilities Correctional Healthcare Providers Telehealth Services Adult Day Care Centers Coverage Highlights We offer a coordinated package of coverages to address the range of exposures healthcare operations face. Available lines include: General Liability Professional Liability Property Commercial Auto Umbrella/Excess Liability Underwriting and Premium Guidelines The program writes both for-profit and nonprofit entities nationwide. Minimum premium typically starts around $10,000, though final minimums and terms depend on the account’s size, loss history, operations, and desired limits. We work with carrier partners to structure layered programs and may consider package placements for multi-line exposures. Territories and Admitted Status This healthcare program is available in most states, with particularly strong capacity in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. Coverage can be placed through admitted or non-admitted carriers depending on state rules and the risk profile. Why Work With A & B Insurance Solutions LLC A & B Insurance Solutions LLC brings deep healthcare underwriting expertise and market access to help you place complicated or multi-faceted healthcare accounts. Our strengths include: Access to multiple carriers — including E&S capacity — for hard-to-place risks. Experience with senior living and a wide range of ancillary healthcare exposures. Flexible solutions for multi-line placements and layered limits. Guidance on underwriting expectations to improve submission quality and placement speed. Example scenarios where this program fits: You have a regional assisted living operator expanding into multiple states and need a program that will coordinate GL, PL and umbrella limits across locations. You represent a hospice provider with unique professional exposure and want access to carriers that will consider tailored professional liability wording and coverage extensions. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this healthcare insurance program?We focus on senior living operators, home health agencies, hospice providers, medical staffing firms, mental health services, and similar healthcare entities. Both for-profit and nonprofit organizations may qualify depending on operations and loss history. What is the minimum premium for accounts placed through this program?Minimum premium typically starts at $10,000, but it can vary based on account size, scope of coverage, and underwriting details. Is this program available in my state?We offer this healthcare program in most states, with strong availability in AL, AR, FL, GA, IL, IN, KY, LA, MA, MI, MN, MO, NJ, NY, and TN. Placement options depend on the state and specific risk. What lines of coverage can I access through this program?Agents can access General Liability, Professional Liability, Property, Commercial Auto, and Umbrella/Excess options tailored to healthcare operations. Are both admitted and non-admitted options available?Yes. We can place business through admitted carriers where appropriate and through non-admitted/E&S capacity when needed for expanded appetite or unique exposures. Need help placing an account? Connect with a market specialist.

...althcare staffing firm supplying traveling nurses to hospitals nationwide. This progra...