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AFC Insurance Inc. offers a focused Assisted Living (Property and Auto) Insurance program tailored for licensed Assisted Living Facilities. These operations serve elderly or developmentally disabled residents and typically provide housing, personal care, meals, and limited medical support. AFC’s program concentrates on the core property and automobile exposures these facilities face, giving agents a reliable admitted market for this niche sector in most states. Ideal Accounts and Appetite This program targets licensed and regulated assisted living facilities that provide residential care in a group setting. Ideal risks include locations that own or lease vehicles used for resident transport (appointments, errands, community outings) and facilities with on-site property exposures. Privately owned assisted living homes with multiple residents Mid-sized residential care facilities offering daily resident transportation Facilities in suburban or rural settings with on-premise property and vehicle needs Accounts that need General Liability or Professional Liability coverage are outside the scope of this program and must be placed with separate solutions. Example account scenarios: A single-location, privately owned 15-bed assisted living home that operates one 12-passenger van for resident transport. A mid-sized suburban facility with 30–50 residents, two staff-run passenger vans, and on-site communal dining and activity spaces. Coverage Highlights and Advantages The program provides two essential lines of coverage that address the most frequent exposures for assisted living operations: Property Coverage: Protects the facility structure and contents, including resident areas, offices, common rooms, and equipment. Automobile Coverage: Insures company-owned or leased vehicles used to transport residents, staff, or supplies, including passenger exposure. Writing primarily on an admitted basis in most available states, AFC places business with carriers selected to match the individual risk profile. This focused offering helps agents cover the facility’s physical assets and transportation exposures without bundling unrelated liability lines into the same program. Underwriting Notes and Minimum Premiums Underwriting is risk-specific. AFC evaluates each submission to align the account with the appropriate market. Minimum premiums vary by facility size, building values, and number/type of vehicles. To streamline placement, be prepared to provide: Facility details: licensed occupancy, building construction, year built, fire protection, and estimated values Operations: number of residents, on-site services, staffing levels, and transportation routines Vehicle information: year/make/model, seating capacity, ownership (owned/leased), driver qualifications, and usage Agents should expect case-by-case review; unusual exposures (extensive medical services, high-hazard operations, or large-scale fleet needs) may require alternate markets or supplemental liability placements. Territories and Availability The program is available in most U.S. states — accessible in over 45 states, including CA, FL, TX, NY, IL, and PA — with admitted placement in most jurisdictions. AFC accepts submissions from urban, suburban, and rural regions and works to match accounts to carriers that participate in each territory. Why Work With AFC Insurance Inc.? As a program administrator experienced in the senior care sector, AFC Insurance Inc. brings targeted underwriting and market access for assisted living property and auto exposures. Agents benefit from: Niche underwriting focused on assisted living property and transportation risks Admitted paper in most states for smoother policyholder servicing and regulatory compliance Flexible placement for single-location and growing operations with vehicles Responsive submission review to align accounts with appropriate carriers Whether you represent a small privately owned home or a mid-sized facility with resident transport needs, AFC can help you secure property and auto coverage tailored to this niche segment. Frequently Asked Questions What types of accounts are a good fit for this program?Privately owned or mid-sized assisted living facilities that need property and auto coverage are a strong match. Facilities that own or operate vehicles for resident transport are ideal. Does this program include General Liability or Professional Liability coverage?No. This program is limited to Property and Auto coverage. General Liability and Professional Liability are not included and must be placed separately. Is this an admitted program?Yes. The program is written on an admitted basis in most available states, though final carrier selection depends on the specific risk and location. What is the minimum premium for this program?Minimum premiums vary based on facility size, property values, and number of vehicles. Submissions are reviewed on a case-by-case basis. In which states is this program available?This program is available in over 45 states, including CA, FL, TX, IL, NY, and more. Contact AFC for availability in a specific state. Need help placing an account? Connect with a market specialist.

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