Adult Day Care Insurance — AFC Insurance Inc. Program
AFC Insurance Inc. offers a dedicated Adult Day Care Insurance program tailored for professional adult day care centers and related human & social services operations. This program is designed for agents and brokers who need a market that understands the staff, volunteer, property and professional liability exposures typical of adult day services, adult day health facilities, social and medical model programs, and services for developmentally disabled or mentally ill populations.
Overview of the Program From AFC Insurance Inc.
As a program administrator, AFC Insurance Inc. places package and stand-alone coverages through varying carriers to deliver flexible solutions for adult day care operators. The program combines General Liability and Professional Liability with property, auto, umbrella and specialty endorsements commonly requested by this segment. Coverage endorsements can include volunteers and independent contractors as insureds, an optional key employee replacement endorsement, extended coverage with blanket additional insured, and abuse & molestation coverage where needed.
Ideal Accounts and Appetite
The program fits:
- Professional adult day care centers and adult day services
- Adult day health facilities (social and medical models)
- Programs offering supervised care, meals, social activities, and limited health services
- Services for the developmentally disabled, mentally ill, or partial hospitalization/day treatment programs
Typical accounts have controlled client ratios, trained staff, documented policies for medication administration and incident reporting, and limited on-site medical procedures. High-acuity facilities that function as primary medical providers or have full residential care are usually outside appetite.
Coverage Highlights and Advantages
- Package options combining Property, General Liability, Professional Liability and Abuse & Molestation
- Endorsements to add Volunteers & Independent Contractors as insureds
- Optional Key Employee Replacement and Extended Coverage Endorsements with Blanket Additional Insured
- Umbrella limits available to broaden liability protection
- Auto coverage for business vehicles (subject to carrier restrictions)
- Flexible placement through multiple carriers — “Carriers: Varies” — to match risk characteristics
Underwriting Notes and Minimum Premiums
Underwriting focuses on operations, staffing ratios, policies for medication and supervision, facility security, transportation practices, and claims history. Documentation that speeds placement includes client rosters, staff training records, written policies and procedures, and loss runs. Minimum premium and rate levels vary by carrier and state; AFC’s program can place accounts with differing premium thresholds depending on the chosen market.
Example Accounts an Agent Might Place
- You have a 30-person adult day center that provides meals, social activities and limited nursing oversight — the program can provide a package policy with General & Professional Liability and abuse & molestation coverage.
- A non-profit day services program with volunteers and occasional contracted therapists — the volunteer/independent contractor endorsements and blanket additional insured language can address those exposures.
Territories and Availability
Available in most states (Most Available States). Current territories: 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. Some state restrictions may apply.
Why Work With AFC Insurance Inc. on Adult Day Care Business
AFC Insurance Inc. brings program-focused underwriting and access to multiple carrier appetite options specifically for human & social services. Agents benefit from coverage flexibility, common endorsements needed by adult day providers, and underwriting that understands the difference between social model and medical model operations. For accounts that match the program’s appetite, AFC can help secure competitive terms across property, liability and specialty layers.
Frequently Asked Questions
What types of adult day care accounts are a good fit for this program?
Professional adult day centers that provide meals, supervised activities and limited health services are the best fit. Programs with documented policies, trained staff and controlled client-to-staff ratios typically place well. Full residential care or high-acuity medical providers are usually out of appetite.
Which coverages and endorsements can I request through AFC’s program?
Common options include Package (Property + Liability), General & Professional Liability, Abuse & Molestation, Auto (subject to carrier restrictions), Umbrella, volunteer & independent contractor as insureds endorsements, optional key employee replacement, and extended coverage with blanket additional insured language.
How does state availability and admitted status affect placement?
The program is available in most states listed on this page. Because carriers vary by state, some features and forms depend on state regulations and carrier appetite. Agents should confirm specific state availability and admitted/non-admitted status at submission time.
What submission materials help underwriters make a faster decision?
Provide a current application, recent loss runs, staff training and supervision policies, medication administration procedures, client capacity and staffing ratios, and details on transportation or medical services to speed underwriting and improve placement options.
Need help placing an account? Connect with a market specialist.