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AFC Insurance Inc.
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AFC Insurance Inc.
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Homeless Shelters Insurance

Homeless Shelters Insurance is a dedicated program offered by AFC Insurance Inc. within our Health & Human Services suite. Built for agents and brokers who place nonprofit and social service accounts, this program provides specialized liability and property solutions for organizations operating homeless shelters, transitional housing, and closely related services. AFC Insurance Inc. understands the distinct exposures shelters face when serving vulnerable populations. Whether your client operates single-gender housing, family shelters, youth programs, or structured transitional living with on-site social services, this program is underwritten to address those risks and help protect the organization, staff, volunteers, and participants.

Ideal Accounts and Appetite

This program is a strong fit for professionally managed operations, including:
  • Homeless Shelter Programs
  • Transitional Programs for the Homeless
  • Men-only or Women-only Housing Programs
  • Family Shelters
  • People In Need (PIN) Programs
  • Kids In Need (KIN) Programs
We do not currently write coverage for drop-in shelters. Example fits for placement:
  • A nonprofit that operates an overnight family shelter with case management and meal services seeking combined general and professional liability.
  • A transitional living facility that provides structured housing plus on-site social services and needs abuse & molestation coverage and volunteer endorsements.
If you have a client running a structured residential program with documented policies and on-site staff, this program is likely a good option.

Coverage Highlights and Advantages

AFC’s Homeless Shelters Insurance program combines package flexibility with specific endorsements to address shelter exposures:
  • Package policy options combining General Liability and Professional Liability
  • Endorsements to include volunteers and independent contractors as insureds
  • Optional key employee replacement endorsement
  • Optional extended coverage with blanket additional insured
  • Umbrella/Excess capacity
  • Property and auto coverage (subject to underwriting restrictions)
  • Abuse & molestation coverage for high-severity exposures involving vulnerable populations
These coverages help manage risks such as staff and volunteer liability, client allegations, building and contents damage, and transportation exposures when staff or clients are transported.

Underwriting Notes and Minimum Premiums

Underwriting evaluates each account based on size, services provided, population served, program structure, loss history, and location. Minimum premium requirements vary by state and account characteristics; AFC’s underwriting team offers flexible options and can tailor coverage enhancements where appropriate. Be prepared to provide program policies, staff training procedures, volunteer screening protocols, and details on transportation and supervisory practices at submission.

Territories and Availability

This program is available in most states. Representative territories include CA, TX, FL, NY, IL, PA, and WA. A full list of eligible 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, and WY. AFC places coverage with a variety of carriers (admitted in most states) depending on the risk.

Why Work With AFC Insurance Inc.?

As a Program Administrator focused on Health & Human Services, AFC provides targeted solutions for nonprofit and social service exposures. We combine program-level expertise with access to multiple carrier partners and responsive underwriting to help you place accounts that may be difficult to place in standard markets. AFC’s team understands regulatory and operational complexities common to shelters and works with agents to structure appropriate limits and endorsements. To learn more about our full capabilities, visit the AFC Insurance Inc. company profile.

Frequently Asked Questions

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

Professionally managed homeless shelters, transitional housing programs, and nonprofits serving men, women, families, or children with structured services and documented policies are a strong fit.

Are drop-in shelters eligible for coverage?

No. Drop-in shelters are currently ineligible for placement through this program.

Is abuse and molestation coverage included?

Yes. Abuse & molestation coverage is available and can be added to address sensitive, high-severity exposures common in shelter settings.

What is the minimum premium for this program?

Minimum premiums vary by account size, services offered, and other underwriting factors. Contact AFC for a tailored premium indication.

In which states is this program available?

The program is available in most states, including CA, TX, FL, NY, IL, PA, and many others nationwide. Availability and admitted status depend on the carrier selected for each risk.

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
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AFC Insurance Inc. has other insurance programs like Addiction Treatment Center Insurance.