Specialized Insurance for Domestic Violence Programs
AFC Insurance Inc. offers a dedicated Health & Human Services Program specifically designed to meet the complex insurance needs of domestic violence programs. This comprehensive program is tailored for organizations such as shelters, group homes, and community-based residences that provide vital services to individuals and families affected by domestic abuse. These services may include emergency housing, mental health counseling, anger management classes, nutrition support, and job placement services.
Ideal Accounts and Program Appetite
This program is ideal for nonprofit and community-based organizations that serve survivors of domestic violence. Target classes include:
- Homes for battered individuals (male, female, or families)
- Anger management programs
- Job placement and vocational training services
- Residential shelters and transitional housing facilities
If you work with social service organizations offering wraparound services for domestic violence survivors, this program may be a strong fit. For example, you might have a client operating a multi-site women’s shelter that also provides counseling and employment services—this program is built to handle those exposures.
Coverage Highlights and Advantages
AFC’s Domestic Violence Programs Insurance includes a robust suite of coverages to address the unique exposures in this sector. Available coverages include:
- Package policies including General and Professional Liability
- Endorsements and enhancements covering Volunteers and Independent Contractors as Insureds
- Optional Key Employee Replacement Endorsement
- Extended Coverage Endorsement with Blanket Additional Insured
- Umbrella and Excess Liability
- Property and Auto coverage (restrictions may apply)
- Abuse and Molestation coverage
These offerings are structured to protect your clients from high-severity risks such as allegations of abuse, professional liability from counseling services, and incidents involving volunteers or contractors.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on class, size, services offered, and location. AFC works closely with agents to evaluate each submission on its own merits. Be prepared to provide detailed operational and risk control information, especially for facilities offering residential services or therapeutic programs.
Territories and Licensing
This program is available in most states, including 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. Coverage is written on an admitted basis in most available states.
Why Work With AFC Insurance Inc.
As a seasoned program administrator, AFC Insurance Inc. brings deep experience and underwriting expertise in the human and social services sector. Their Domestic Violence Programs Insurance is crafted to meet the compliance, liability, and operational needs of organizations working on the frontlines of domestic violence prevention and recovery. Agents benefit from a responsive underwriting team, flexible coverage options, and access to a range of carriers suited for this specialized niche.