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AFC Insurance Inc. offers a focused Health & Human Services program designed to help agents place Food Banks and Soup Kitchens. The Food Banks/Soup Kitchens Insurance program is built for nonprofit and community-focused operations that depend on volunteers, donated goods, and on-site or mobile food distribution. Coverage options address the exposures common to food distribution, volunteer operations, delivery activities, refrigeration and storage, and general premises liability. Eligible Classes and Ideal Accounts Nutrition Centers Adult Day Care Centers (food service operations) Kosher Food Banks Food Banks Soup Kitchens Ideal accounts are nonprofit or mission-driven organizations that primarily distribute prepared or packaged food to clients, run on-site meal programs, or operate small delivery routes. Typical placements are single-site or small multi-site operations with volunteer staff and limited commercial food manufacturing. Larger commercial processors, for-profit restaurants with full retail operations, and large regional distributors typically fall outside this program’s appetite. Coverage Highlights and Advantages Package policies combining property and liability limits tailored to nonprofit food operations. General Liability and optional Professional Liability to cover food handling and service exposures. Endorsements and enhancements that add Volunteers and Independent Contractors as Insureds — important for volunteer-heavy operations. Optional Key Employee Replacement endorsement to help cover temporary staffing costs after sudden loss of a key manager. Optional Extended Coverage Endorsement with Blanket Additional Insured — useful for shared-space landlords or program partners. Umbrella limits available for higher liability protection (subject to underwriting). Property coverage for buildings, contents, equipment, and refrigeration units. Auto coverage available for delivery and mobile distribution vehicles (some restrictions apply). Abuse & Molestation coverage available where applicable and appropriate underwriting criteria are met. Underwriting Notes and Minimum Premiums Carriers: varies by risk and state; AFC Insurance places with admitted and non-admitted markets as appropriate. Minimum premium: varies by carrier and territory; provide account details to receive accurate pricing. Common submission requirements: completed application (ACORD or program supplement), current loss runs, description of operations including volunteer counts and delivery activity, property values and fire protection details, and vehicle schedules if auto is needed. Auto restrictions: personal-use vehicles or high-risk drivers may limit auto offerings; disclose delivery practices and driver screening procedures. Food handling exposures: note any on-site cooking, catering or hot-food service, refrigeration integrity and food safety programs — these affect appetite and pricing. Territories and Availability The program is available in most 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). Placement options include admitted and non-admitted markets depending on the state and risk profile. Why Work with AFC Insurance Inc. Program administrator experienced in Health & Human Services niches and nonprofit exposures. Flexible underwriting to accommodate volunteer programs and small delivery fleets. Access to multiple carrier markets to match coverage needs and budget. Optional endorsements that address real-world operational gaps (volunteers, key employee replacement, umbrella limits). Support for agents who need a market that understands community food operations and can respond to nonstandard exposures. Example Accounts That Fit Well A suburban nonprofit food bank that operates weekday meal services, uses volunteers to prepare and serve meals, and runs a small van for local deliveries — needs general liability, property, volunteer coverage, and limited auto. An urban soup kitchen with on-site refrigeration, donated food handling, and multiple volunteer shifts — needs property coverage for refrigeration equipment, abuse & molestation consideration for volunteer interactions, and optional umbrella limits for additional liability protection. Frequently Asked Questions What types of accounts are a good fit for AFC’s Food Banks/Soup Kitchens program?Nonprofit and community food distribution operations such as food banks, soup kitchens, nutrition centers, kosher food banks, and similar programs that rely on volunteers and have limited commercial food manufacturing are a good fit. Does the program provide coverage for volunteers and independent contractors?Yes. The program offers endorsements that include Volunteers and Independent Contractors as Insureds to help address exposures created by volunteer-driven operations. Are auto and delivery operations covered?Auto coverage is available but may have restrictions. Underwriters will review delivery practices, vehicle schedules, and driver screening before offering auto protection. Which states is this program available in and is it admitted?The program is available in most states (see territory list above). AFC places business in admitted and non-admitted markets as appropriate for the risk and state regulations. Need help placing an account? Connect with a market specialist.