Overview of the Program From AFC Insurance Inc.
AFC Insurance Inc. brings deep expertise in the Health & Human Services sector, offering insurance solutions customized for organizations that support at-risk youth. Our Outreach and At-Risk Youth Insurance program is structured to provide the protection these organizations need while addressing the unique exposures they face every day.
Whether you're working with a small community counseling center or a multi-site outreach organization, AFC offers flexible underwriting and access to a variety of carriers to help you place this specialized business.
Ideal Accounts and Appetite
This program is ideal for insureds involved in:
- Outreach programs for youth and underserved populations
- Nonprofits offering counseling and support services
- Faith-based or religious outreach initiatives
- Organizations that assist People In Need (PIN) or Kids In Need (KIN)
- Foster care support services (up to 25% of operations)
Example: You may have a nonprofit client providing after-school support programs and group counseling for teens in low-income neighborhoods. This account would likely be a strong fit for the program.
Ineligible Operations
To maintain underwriting integrity, the following operations are not eligible for this program:
- Foster care agencies (if more than 25% of operations)
- Adoption agencies (over 25% of operations)
- Assisted living or senior housing facilities
- Correctional facilities or programs for violent youth
- Big Brothers/Big Sisters programs with overnight activities
- Family planning clinics (except pregnancy counseling only)
- Standalone special events or fundraisers
- Sex offender programs or registries
- Public housing and housing authorities
Coverage Highlights and Advantages
This program provides coverage designed specifically for the risks associated with outreach and youth-oriented services. Depending on the account and carrier, coverage options may include:
- General Liability
- Professional Liability
- Abuse and Molestation coverage
- Directors & Officers (D&O) Liability
- Property and Inland Marine
- Auto Liability and Physical Damage
AFC Insurance Inc. works with a variety of carriers to provide competitive terms and coverage flexibility based on your client's operations.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on class, location, and size of operations. Submissions should include a clear description of services provided, client demographics, staff qualifications, and any risk management protocols in place. Programs with overnight exposure or high-risk populations may require additional underwriting scrutiny.
Territories and Availability
This program is available in most states. AFC Insurance Inc. currently offers coverage in the following jurisdictions:
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.?
As a Program Administrator with a strong focus in Health & Human Services, AFC Insurance Inc. understands the nuances of working with sensitive populations and nonprofit risks. You’ll benefit from:
- Dedicated underwriting expertise in at-risk youth and outreach programs
- Flexible carrier access and placement options
- Responsive service tailored to independent agents and brokers
- Support for a wide range of social service operations
Partner with AFC Insurance Inc. to help protect the organizations that are making a difference in your community.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Eligible accounts include outreach programs, counseling centers, religious groups, and nonprofits that serve youth or underserved populations. Foster care services are acceptable if under 25% of operations.
What are the key exclusions or ineligible risks?
Ineligible risks include adoption agencies (over 25%), correctional facilities, overnight youth programs, assisted living, and programs involving sex offenders or violent youth lockdowns.
Which states is this program available in?
This program is available in most states, including CA, TX, FL, NY, and many others. Contact AFC Insurance Inc. for current availability in your state.
Is this an admitted or non-admitted program?
The program is available on an admitted basis in most states, depending on the class of business and carrier used.
What coverages are typically included in this program?
Coverage options may include General Liability, Professional Liability, Abuse & Molestation, D&O, Property, and Auto, tailored to the insured’s operations.
Need help placing an account? Connect with a market specialist.