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AFC Insurance Inc.
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AFC Insurance Inc.
Contact Us
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Agencies for the Aging Insurance

Agencies for the Aging Insurance Program is only getting better with age! Offered by AFC Insurance Inc., this specialized solution is part of our broader Social Services Insurance portfolio. The Agencies for the Aging program is thoughtfully designed to meet the distinct risks and operational needs of organizations that provide essential services to older adults. Whether your clients run Senior Centers, Adult Day Care Centers, or Meals on Wheels programs, this program helps you deliver tailored coverage for their exposures.

Ideal Accounts and Appetite

We have a strong appetite for a wide range of senior-focused community service organizations. Eligible classes include:
  • Agencies for the Aging
  • Senior Centers and Senior Services
  • Adult Day Care Centers
  • Food Banks
  • Meals on Wheels Providers
  • Guardianship and Referral Agencies for Aged Citizens
This program is an excellent fit for agents working with nonprofit or mission-driven organizations that support elderly populations. For example, you might have a client operating a local senior day center with part-time volunteers and meal distribution—this program is built for them.

Coverage Highlights and Advantages

We offer a comprehensive package with flexible coverages tailored to the needs of aging service providers. Available coverages include:
  • General & Professional Liability
  • Property and Umbrella Coverage
  • Coverage Endorsements with built-in enhancements
  • Volunteers & Independent Contractors as Insureds
  • Optional Key Employee Replacement Endorsement
  • Optional Extended Coverage Endorsement with Blanket Additional Insured
  • Auto Liability (restrictions apply if community transportation is provided)
  • Abuse & Molestation Coverage
These coverages are designed to protect your clients from the unique liability and professional risks associated with senior care and service operations.

Underwriting Notes and Minimum Premiums

While minimum premiums vary depending on the risk profile, our underwriting team is experienced in evaluating aging service organizations and can work with you to structure suitable coverage. Please note that we cannot offer Auto coverage for risks that involve community transportation services.

Territories and Availability

This program is available on an admitted basis in most states. We currently offer coverage in 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.?

AFC Insurance Inc. is a trusted Program Administrator with deep experience in the social services sector. Our focus on niche programs like Agencies for the Aging allows us to offer agents and brokers tailored solutions, responsive underwriting, and access to competitive carriers. We understand the risk landscape of community-based aging services and can help you place hard-to-insure or unique accounts with confidence.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Ideal accounts include senior centers, adult day care facilities, Meals on Wheels programs, food banks, and guardianship agencies serving older adults.

Can I get Auto coverage for a client that provides transportation?

Auto coverage is available; however, we cannot provide it if the insured offers community transportation services.

Is this program admitted or non-admitted?

The program is admitted in most available states, offering added stability and compliance for your clients.

What are the key coverages included?

The program includes General and Professional Liability, Property, Umbrella, Abuse & Molestation, and optional endorsements for volunteers, key employees, and additional insureds.

Which states is the program available in?

The program is available in most states, including CA, TX, NY, FL, IL, and many others. Please consult the full state list above for availability.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Program Administrator
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    Our markets are "A" rated carriers written exclusively through independent agents and brokers
  • Commission:
    Available on request
  • Min Premium:
    Varies

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Applications
       

    Submission Requirements:

    • Acords
    • Supplement
    • Auto Supplement & Driver List (Auto Coverage Only)
    • 5 Years Currently Valued Loss Runs
    • Claims Details - If Applicable
    • Complete Staff Breakout

AGENCY LICENSING

 
Producer Requirements:
Producer Agreement
Producer Profile
Copy of Agency's License
Copy of E&O (dec page or certificate)
W-9
Email to:mail m[email protected]
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AFC Insurance Inc. has other insurance programs like Addiction Treatment Center Insurance.