Family Services Insurance is part of AFC Insurance Inc.’s broader Human & Social Services Insurance Program. This specialized offering is designed for agents and brokers looking to place coverage for nonprofit organizations that provide critical support services to underprivileged individuals and families. Whether your client is operating a shelter, offering counseling services, or managing a WIC program, this program is built to address the complex risks associated with social service operations.
Ideal Accounts and Appetite
This program targets nonprofit family service organizations focused on improving the wellbeing of individuals and communities. Eligible classes include:
- Family Support Services
- WIC (Women, Infants, and Children) Programs
- Individual and Group Counseling Services
- Emergency and Transitional Shelters
- Guardianship Services
If you have clients who offer direct services to at-risk populations—such as a community counseling center or a nonprofit providing housing and support for domestic abuse survivors—this program is designed to meet their unique liability and operational needs.
Coverage Highlights and Advantages
The Family Services Insurance Program offers a flexible package of coverages tailored to the nonprofit and human services sector. Available coverages include:
- Package Policy Options
- General and Professional Liability
- Endorsements for Volunteers and Independent Contractors 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 and Molestation Coverage
This broad suite of coverages ensures that critical exposures—such as professional liability for counselors or abuse allegations in youth services—are properly addressed.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on risk profile, state, and selected coverages. AFC Insurance Inc. works with a variety of carriers to provide flexible solutions tailored to your client’s operational scope and funding structure. Underwriting focuses on mission-driven nonprofits with clear protocols, staff training, and community impact.
Territories and Availability
This program is available in most states, including but not limited to: CA, FL, NY, TX, IL, PA, and GA. Coverage is offered on an admitted basis in most states, helping ensure regulatory compliance and ease of placement for agents and brokers.
Why Work With AFC Insurance Inc.?
AFC Insurance Inc. is a trusted program administrator with deep experience in the nonprofit and human services sector. Their access to multiple carriers and tailored program design allows you to place hard-to-insure accounts with confidence. With a focus on responsive service and specialized underwriting, AFC helps agents navigate the complexities of human services insurance with ease.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include nonprofit organizations offering family support services, counseling, shelters, WIC programs, and guardianship services.
Is abuse and molestation coverage included?
Yes, abuse and molestation coverage is available as part of the program, subject to underwriting and carrier approval.
Are volunteers and independent contractors covered?
Yes, the program offers endorsements that include volunteers and independent contractors as insureds.
What states is this program available in?
The program is available in most U.S. states, including CA, TX, FL, NY, IL, and many others.
What is the minimum premium for this program?
Minimum premiums vary depending on the risk and coverage selected. Contact AFC Insurance Inc. for specific underwriting guidelines.
Need help placing an account? Connect with a market specialist.