AFC Insurance Inc. offers a specialized Health & Human Services Program that includes tailored Community Social Services Insurance solutions. Designed to meet the unique risk management needs of nonprofits and professional organizations serving vulnerable populations, this program provides comprehensive protection for a wide range of community-focused entities.
Ideal Accounts and Appetite
This program is well-suited for agents working with nonprofit and community-based organizations. Eligible classes include:
- Social & Individual Community Welfare Programs
- Mother & Child Services
- WIC (Women, Infants, and Children) Programs
- Welfare-to-Work Programs
- Soup Kitchens
- Meals on Wheels and similar services
Ineligible risks include operations with a political focus or affiliation.
Coverage Highlights and Advantages
The Community Social Services Insurance program through AFC Insurance Inc. includes a broad array of coverages and enhancement options to address the evolving exposures of human services organizations:
- Package Policies
- General Liability & Professional Liability
- Volunteers and Independent Contractors included as Insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insured
- Umbrella and Excess Liability
- Property and Auto Coverage (with some restrictions)
- Abuse & Molestation Coverage
These coverages are specially designed to address the unique staffing models, facility needs, and client interaction risks that social service organizations face daily.
Underwriting Notes and Minimum Premiums
Minimum premiums vary based on the class of business, size, and location of the risk. AFC Insurance Inc. offers flexible underwriting with a focus on the distinct needs of community service providers. Agents can expect a responsive underwriting process tailored to the nonprofit and human services sector.
Territories and Availability
This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, PA, and WA. Coverage is written on an admitted basis in most available states, providing added peace of mind for your clients and efficiency in placement for your agency.
Why Work With AFC Insurance Inc.
As a Program Administrator with extensive experience in the human services sector, AFC Insurance Inc. brings valuable expertise and market access to the table. Whether you're placing a standalone soup kitchen or a multi-location community welfare organization, AFC is equipped to help you secure comprehensive coverage with competitive terms.
You might have a client running a local Meals on Wheels program with volunteers and part-time staff—or a nonprofit offering prenatal care and child support services. These are exactly the types of accounts AFC’s program is built to support.