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AFC Insurance Inc.
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AFC Insurance Inc.
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Addiction Treatment Center Insurance

Insurance for Addiction Treatment Centers is included in AFC Insurance Inc.’s Human & Social Services Insurance Program. This specialized offering is tailored to address the unique risks faced by facilities providing professional Alcohol and Drug Rehabilitation Services. Whether your client operates a residential treatment center, outpatient counseling clinic, or sober living facility, this program offers comprehensive protection for a wide range of services, including medical care, behavioral therapy, and nutritional counseling.

Ideal Accounts and Eligible Classes
This program is a strong fit for agents looking to place coverage for a variety of addiction treatment operations, including:
  • Addiction Treatment Centers
  • Drug Rehabilitation Facilities
  • Alcohol Rehabilitation Centers
  • Outpatient Alcohol & Drug Counseling
  • Rehabilitation Centers
  • Sober Living Homes
  • Clinics (must be part of a broader treatment program)
  • Outpatient Detox Programs
Ineligible Classes
  • Facilities offering Level 4 Plus Detox services

Coverage Highlights and Advantages

AFC Insurance Inc.'s program offers agents access to a wide range of coverages designed specifically for the operational and professional risks of treatment centers:
  • Package Coverage
  • General and Professional Liability
  • Endorsements for Volunteers and Independent Contractors as Insureds
  • Optional Key Employee Replacement Coverage
  • Optional Blanket Additional Insureds via Extended Coverage Endorsement
  • Umbrella Liability
  • Property and Auto Coverage (some restrictions may apply)
  • Abuse and Molestation Coverage

Underwriting Notes and Minimum Premiums

Minimum premiums vary depending on state, class of business, and scope of operations. Standalone clinics are not eligible unless part of a broader treatment offering. AFC Insurance Inc. works with multiple carriers to provide flexible underwriting solutions tailored to the unique exposures of each facility.

Territories and Availability

This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, OH, GA, and WA. AFC Insurance Inc. offers admitted coverage in many jurisdictions, with access to a broad network of carriers to meet both regulatory and operational needs.

Why Work With AFC Insurance Inc.?

As a trusted Program Administrator, AFC Insurance Inc. brings deep expertise in the human and social services sector. Their Addiction Treatment Center Insurance Program is built to help agents confidently place business for a wide range of rehabilitation and counseling facilities. With flexible coverage structures, robust liability protection, and competitive market access, AFC supports agents every step of the way—from submission through policy issuance. You might have a client who operates an outpatient drug counseling center with part-time staff and volunteer counselors. Or perhaps a residential alcohol rehabilitation facility that includes medical detox and nutritional therapy. AFC Insurance Inc. has the tools and underwriting support to help you place these accounts with confidence.

Frequently Asked Questions

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

This program is ideal for residential and outpatient addiction treatment centers, including alcohol and drug rehab facilities, sober living homes, and counseling clinics that are part of a broader treatment offering.

Are standalone clinics eligible for coverage?

No, clinics must be part of an overall treatment plan or facility to be eligible for coverage under this program.

Is Abuse and Molestation coverage included?

Yes, Abuse and Molestation coverage is available as part of the broader package, helping protect facilities from sensitive liability exposures.

What is the underwriting process like?

AFC Insurance Inc. works with multiple carriers and offers flexible underwriting tailored to the specific operations, services, and staffing structure of each facility.

Which states is this program available in?

The program is available in most states across the U.S., including CA, TX, FL, NY, and many others. Admitted coverage is available in many jurisdictions.

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 Adult Day Care Insurance.