Ideal Accounts and Appetite
This program is well-suited for professionally operated Associations for Retarded Citizens and related nonprofit or community-based organizations. Eligible classes include:
- Job Placement Services
- Vocational Training Programs
- Life Skills Coaching
- Behavioral Therapy and Support
- Public Social Interaction Programs
If you work with a client who operates a residential facility that offers life skills training and employment readiness for adults with developmental disabilities, this program could be a strong fit.
Coverage Highlights and Advantages
AFC Insurance Inc. offers broad and customizable coverage packages to help protect your clients against critical exposures in the ARC sector. Available coverages include:
- General Liability & Professional Liability
- Package Coverage Options
- Endorsements and Enhancements Extending to Volunteers and Independent Contractors
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage with Blanket Additional Insureds
- Umbrella and Excess Liability
- Property and Commercial Auto (availability and restrictions may apply)
- Abuse & Molestation Coverage
This flexibility allows you to tailor a comprehensive risk management solution for ARC organizations of varying sizes and operational scopes.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size, location, and scope of your client’s operation. AFC Insurance Inc. works closely with agents to evaluate risk characteristics and identify appropriate coverage layers. Submissions should include complete operational details, loss history, and staffing protocols—especially for programs involving direct care services.
Territories and Availability
This program is available in most states, including but not limited to CA, TX, FL, NY, IL, PA, and GA. Coverage is primarily offered through admitted markets where available, providing your clients with trusted, regulated insurance solutions in a broad geographic footprint.
Why Work With AFC Insurance Inc.?
As a dedicated program administrator, AFC Insurance Inc. brings deep expertise in the human and social services space. Their underwriting team understands the operational realities and liabilities facing ARC providers, and they work efficiently with agents to deliver responsive solutions. Whether you're placing a standalone liability policy or a full package with property and abuse coverage, AFC provides access to reliable markets and responsive support.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include nonprofit or community-based organizations offering supervised care, vocational training, or behavioral support services for individuals with developmental disabilities or mental impairments.
Is abuse and molestation coverage included in the policy?
Yes, abuse and molestation coverage is available as part of the program's offerings, subject to underwriting review and approval.
Are volunteers and independent contractors covered?
Yes, coverage endorsements and enhancements are available that extend coverage to volunteers and independent contractors.
Which states is this program available in?
The program is available in most states, including CA, TX, FL, NY, IL, PA, and many others across the U.S.
What information is needed to submit an account?
Submissions should include detailed descriptions of operations, prior loss history, types of services provided, staffing levels, and safety protocols.
Need help placing an account? Connect with a market specialist.