Ideal Accounts and Appetite
This program targets organizations that provide a wide range of employee assistance services, including:
- Professional Counseling and Mental Health Support
- Substance Abuse and Addiction Services—including gambling and other behavioral addictions
- Referral Services for Health, Legal, or Financial Assistance
Ideal clients include both non-profit and for-profit EAP providers, as well as third-party administrators delivering these services under corporate wellness or human resources platforms. If you have a client offering EAP services to companies, school districts, municipalities, or healthcare systems, this program may be a great fit.
Coverage Highlights and Advantages
The Employee Assistance Programs Insurance from AFC includes comprehensive coverages tailored to the field of human services. Available coverage options include:
- Package Policies
- General Liability and Professional Liability
- Coverage Endorsements and Enhancements
- Volunteers and Independent Contractors included as Insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insured
- Umbrella and Excess Liability Options
- Property and Auto Coverage (some restrictions may apply)
- Abuse & Molestation Coverage
These coverages are designed to address both general business risks and the specialized liabilities associated with providing mental health and behavioral support services.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size and scope of your client's operations. AFC Insurance works with a variety of carriers to provide flexible underwriting solutions. Accounts are evaluated based on services offered, number of employees, client base, and risk management practices. Optional endorsements allow you to tailor protection to your client's specific exposures.
Territories and Availability
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 admitted in most available states.
Why Work With AFC Insurance Inc.?
As a dedicated program administrator, AFC Insurance Inc. brings deep expertise in the health and human services sector. Their focus on EAP providers means you gain access to tailored underwriting, relevant endorsements, and responsive service. Whether you're placing a small behavioral health nonprofit or a national EAP provider, AFC offers the tools and market access to help you deliver reliable insurance solutions to your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for professional EAP providers, counseling services, addiction recovery programs, and organizations offering employee wellness and referral resources.
Are independent contractors and volunteers covered?
Yes, the program includes coverage enhancements that allow volunteers and independent contractors to be included as insureds.
Is this coverage available in all states?
The program is available in most states, with coverage admitted in many of them. Be sure to check current availability and any state-specific restrictions.
Can I get coverage for abuse and molestation claims?
Yes, abuse and molestation coverage is available as part of the program, subject to underwriting and eligibility.
What minimum premium should I expect?
Minimum premiums vary based on risk characteristics. AFC evaluates each account individually to provide competitive and appropriate pricing.
Need help placing an account? Connect with a market specialist.