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...r social services, home health / visiting nurse associations, and medical temporary staffing. ...ram available in all states?Yes. Our Workers' Compensation program is available in all 50 ...

Crisis Centers Insurance Program from AFC Insurance Inc. AFC Insurance Inc. offers a specialized Crisis Centers Insurance program designed to support organizations that provide vital emergency and advisory services to individuals in distress. This program is part of AFC’s broader Social & Human Services Insurance offerings, built to address the complex risk profiles of nonprofits and community-focused organizations. Whether your client operates a 24/7 crisis hotline, a walk-in mental health facility, or a rehabilitation program, this insurance solution is designed to deliver comprehensive protection tailored to their services. AFC Insurance Inc. serves as a Program Administrator, giving agents and brokers access to competitive coverage options through a variety of carriers. Ideal Accounts and Target Classes This program is best suited for organizations that offer urgent or ongoing crisis support services, including but not limited to: Mental Health Care Facilities Domestic Violence Programs and Shelters Alcohol & Drug Rehabilitation Centers Suicide Prevention Programs and Hotlines You might have a client who runs a nonprofit crisis center offering emergency counseling and temporary housing. Or perhaps a regional behavioral health organization providing outpatient services and referral hotlines—these are the kinds of accounts that fit well within this program’s appetite. Coverage Highlights and Advantages The program offers a robust range of coverages that respond to the unique exposures found in crisis intervention services. Available coverages include: Package Policies General Liability and Professional Liability Abuse & Molestation Coverage Umbrella Liability Property and Auto Coverage (with some restrictions) Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These features help agents provide peace of mind to clients who rely on a mix of paid staff, volunteers, and third-party providers to deliver critical community services. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class, size of operations, services provided, and location. AFC Insurance works with agents to understand the nuances of each submission, aiming for efficient underwriting and tailored solutions. Accounts with strong risk management practices, documented procedures, and staff training are especially desirable. 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 admitted in most of these states, though availability and restrictions may vary by location and class. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings deep expertise in the social and human services sector, with a long-standing commitment to helping community-based organizations secure the right protection. As a program administrator, AFC offers access to multiple carriers and flexible underwriting approaches. Their team understands the unique challenges that crisis centers face and can help you deliver responsive, well-rounded insurance solutions to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for crisis centers, mental health facilities, domestic violence shelters, suicide prevention hotlines, and substance abuse treatment programs. Are volunteers and independent contractors covered?Yes, the program includes endorsements that allow for coverage of volunteers and independent contractors as insureds. Is Abuse & Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, helping protect against serious liability exposures in crisis care environments. In which states is the program available?The Crisis Centers Insurance program is available in most states across the U.S., including CA, NY, TX, FL, and many others. Availability may vary by state and class. What is the minimum premium for this program?Minimum premiums vary by type of account, size of operation, and coverage needs. AFC Insurance Inc. evaluates each submission individually to determine pricing. Need help placing an account? Connect with a market specialist.

...pecialties: Condominium Associations Apartment Buildings Hote...

...complex claims, coordinating early nurse triage, vocational services and litig...isks including pools, trusts, and associations. Does Midlands work with third-...

General Liability Insurance is a critical coverage for contractors working with Exterior Insulation and Finishing Systems (EIFS), especially given the specialized risks associated with these materials and installations. Novatae Risk Group offers a tailored EIFS General Liability Insurance program designed to meet the unique exposures your contractor clients face in this niche sector of the construction industry. Through our program, administered by Empire, we help agents and brokers secure dependable coverage solutions for EIFS contractors, including those with challenging underwriting profiles. Whether your client is a new venture, has prior or open claims, or has experienced a lapse in coverage, we have the tools and expertise to evaluate the risk and provide competitive options. Ideal Accounts and Appetite: EIFS Contractors specializing in installation, stucco, or plastering Structural and decorative EIFS work Accounts with prior or open claims New ventures and recently formed businesses Previously cancelled or lapsed policies Multi-state operations Contractors carrying CG201185 equivalent endorsements Owner-operator businesses with 2+ employees Accounts with payroll of $40,000 or more Coverage Highlights and Program Advantages: Quick turnaround on submissions Access to multiple carriers—both admitted and non-admitted markets including certain Underwriters at Lloyds of London Flexible underwriting for complex risks Specialized focus on California and multi-state contractor exposures Submission Requirements: Acord 124 & 126 forms 3–4 years of loss runs Explanation of any coverage lapses Details on large or unusual losses Completed supplemental questionnaire Admitted Status and Minimum Premiums: Coverage is available on both admitted and non-admitted paper depending on the risk profile and state. Minimum premiums vary based on underwriting factors, but we work to ensure competitive pricing even for harder-to-place accounts. Territories and Availability: This program is available in a wide range of states, including AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, and WV. Why Work With Novatae Risk Group? As a Managing General Underwriter and Excess & Surplus Lines Broker, Novatae Risk Group provides agents and brokers with niche programs designed for difficult or specialized classes. Our EIFS General Liability program reflects our commitment to underwriting expertise, market access, and responsive service. Let us help you deliver tailored solutions to your contractor clients with EIFS exposures. Need a General Liability quote for your EIFS contractor accounts? Send your submissions to [email protected] or call 800-758-8113 to speak directly with an experienced underwriter. Frequently Asked Questions What types of accounts are a good fit for this EIFS General Liability program?This program is ideal for EIFS contractors involved in installation, stucco, plastering, and decorative or structural EIFS work—especially those with payrolls over $40,000 and at least two employees. Can you consider accounts with prior claims or a lapse in coverage?Yes, our underwriting team is experienced in evaluating accounts with loss history or coverage gaps. We welcome submissions with prior claims, open claims, or recently cancelled policies. Is this program available for new ventures?Yes, new ventures are eligible for consideration. We can help you place startup EIFS contractors operating in approved states with appropriate documentation. Which states is this program available in?We currently offer this program in over 25 states, including CA, FL, TX, NJ, IL, and others. Please refer to our full list or contact us to confirm availability in your client’s state. What carriers are used for this program?We have access to both admitted and non-admitted markets, including certain Underwriters at Lloyds of London, allowing us to match the right carrier to the risk profile. Need help placing an account? Connect with a market specialist.

...or: Heterogeneous groups or associations Stand-alone individual self-insu...ndividual employers, and industry associations with strong risk control practi...

...MOs) Independent Physician Associations (IPAs), Physicians Hospital Organi...

...edical and allied health staffing (nurses, CNAs, allied clinicians) Professi...

Amwins Underwriting offers two targeted long-term care facilities insurance programs that provide comprehensive professional and general liability solutions for a wide range of senior living operations. Use these programs to place skilled nursing, assisted living, independent living and other long-term care placements that need market capacity, flexible retentions and industry-specific underwriting. Overview of the Programs from Amwins The Amwins programs combine underwriting expertise with tailored coverage options for long-term care facilities. Agents can submit accounts to either: Amwins Program Underwriters' Long-term Care Facilities program — a broad facility program for single-site and multi-location operators; or Amwins Specialty Casualty Solutions' Long-term Care Facilities Risk Retention Group (RRG) program — an RRG option for eligible long-term care operators with higher minimum premiums and program-specific retentions. Ideal Accounts and Appetite Skilled nursing facilities and nursing homes Assisted living and memory-care units Independent living and residential care facilities Senior housing and continuing care retirement communities (CCRCs) For-profit and not-for-profit operators, from single locations to larger organizations with multiple sites Typical fit: accounts with at least 20 beds (Amwins Program Underwriters requirement), organized clinical and risk-management programs, and exposure profiles that match the program limits and retention structures. Accounts with complex, high-severity exposure or regulatory concerns should be discussed with underwriting before submission. Coverage Highlights and Advantages Primary professional and general liability limits up to $1,000,000 per claim / $3,000,000 aggregate (higher limits and excess/umbrella layers available). First-dollar coverage through higher self-insured retentions considered, allowing flexible retention structures. RRG program includes professional + general liability at $1,000,000 / $3,000,000, employee benefit liability, sexual abuse liability, sub-limits as needed, corridor deductibles and claims-made options. Excess umbrella capacity up to $5 million for qualifying accounts through the primary program. Underwriters experienced with long-term care exposures and regulatory trends—practical placement guidance for agents who manage senior care books. Underwriting Notes and Minimum Premiums Amwins Program Underwriters: Minimum premium = $25,000. Account-level minimums apply; multi-location organizations are considered based on aggregate beds and loss experience. Amwins Specialty Casualty Solutions (RRG): Minimum premium = $50,000. RRG submissions typically require a more detailed underwriting package and review of historical loss runs and risk-control practices. Self-insured retentions start at $25,000 and can be higher; corridor (inner aggregate) retentions and other structured retentions are available in the RRG program. Coverage form: both occurrence and claims-made features may be available depending on the program and placement; confirm with underwriting on submission. Territories and Availability These programs write business across a broad set of states. Availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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. Confirm state-by-state eligibility and any admitted/non-admitted requirements with underwriting prior to submission. Why Work With Amwins on Long-Term Care Business Specialized underwriting teams focused on long-term care exposures and senior housing operations. Flexible limits, retentions and excess capacity to match diverse client needs. Programs designed to handle multi-location accounts and a range of organizational structures (for-profit and non-profit). Practical placement guidance for agents: clear appetite, minimums and documentation expectations to speed underwriting decisions. Example submissions that fit well You might have a regional assisted living operator with three locations (total >50 beds) seeking $1M/$3M primary limits and an umbrella — the primary program can provide limits and excess capacity with structured retentions. You might place a single-site skilled nursing facility with strong risk-control programs that prefers an RRG solution and is prepared for a $50,000 minimum premium and a higher self-insured retention. Frequently Asked Questions What types of accounts are a good fit for Amwins' long-term care programs?Accounts that fit include skilled nursing, assisted living, independent living, residential care and senior housing—both for-profit and not-for-profit. The primary program typically requires at least 20 beds; the RRG targets larger or more sophisticated accounts that can meet its minimums and retention structures. What are the minimum premiums and typical retentions?The Amwins Program Underwriters' program has a minimum premium of $25,000. The Amwins Specialty Casualty Solutions RRG program has a minimum premium of $50,000. Self-insured retentions generally start at $25,000 and can be higher; corridor deductibles and other structured retentions are available depending on the program. What limits and coverages are available?Primary limits are commonly $1,000,000 per occurrence / $3,000,000 aggregate. Excess/umbrella capacity up to $5 million is available through the primary program. The RRG includes professional + general liability, employee benefit liability and sexual abuse liability, with sub-limits and claims-made options as needed. Which states can I place with these programs?These programs write in a broad range of states (AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, 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). Always confirm state eligibility and any admitted/non-admitted conditions with underwriting before submission. Need help placing an account? Connect with a market specialist.

...transport vans for residents) Workers’ Compensation (state availability ma...e & Molestation, Property, Auto, and Workers’ Compensation (where available). What underwr...