AFC Insurance Inc. offers a specialized Health & Human Services Program tailored for organizations that support individuals with cerebral palsy. Through our Cerebral Palsy Centers Insurance program, we help agents and brokers place comprehensive coverage for day programs and residential facilities that serve this critical population.
Ideal Accounts and Appetite
Our program is designed for non-profit and for-profit organizations that provide services to individuals with Cerebral Palsy. Eligible classes include:
- Day Programs
- Residential Facilities
This program is ideal for accounts that offer structured support services, therapy, housing, and daily care for individuals with developmental and physical disabilities. Whether your client operates a single residential facility or a network of day programs, AFC Insurance can help you find the right coverage solutions.
Coverage Highlights and Advantages
Our Cerebral Palsy Centers Insurance program offers a wide range of coverages to protect your client’s operations and personnel. Available coverages include:
- Package Policies
- General Liability & Professional Liability
- Endorsements for Volunteers & Independent Contractors as Insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insured
- Umbrella & Excess Liability
- Property
- Auto (restrictions may apply)
- Abuse & Molestation Coverage
These coverages are structured to help shield organizations from the unique risks that come with serving vulnerable populations, including liability exposures related to caregiving, transportation, and employment practices.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size and scope of the operation. Factors such as number of residents, staffing levels, services provided, and claims history will influence underwriting. We work closely with agents to review submissions and provide tailored solutions based on each facility’s needs.
Territories and Availability
This program is available in most states, including but not limited to: CA, FL, IL, NY, TX, PA, OH, and WA. We are licensed in over 45 states, offering admitted solutions in most areas. Please contact us to confirm eligibility based on your client’s location.
Why Work With AFC Insurance Inc.
As a trusted Program Administrator, AFC Insurance Inc. has deep experience in the health and human services sector. Our team understands the specialized needs of facilities serving individuals with Cerebral Palsy and other complex conditions. We offer responsive service, flexible underwriting, and access to a range of carriers to help you place and retain this important business. From custom enhancements to abuse coverage and more, we’re committed to helping you deliver value to your clients.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Our program is best suited for day programs and residential facilities that serve individuals with cerebral palsy. Both non-profit and for-profit organizations may be eligible.
Is Abuse and Molestation coverage included?
Yes, Abuse & Molestation coverage is available as part of the program, subject to underwriting review.
Can volunteers and independent contractors be covered?
Yes, our endorsements can include volunteers and independent contractors as insureds, helping protect all aspects of your client’s operations.
Are auto coverages available for transporting clients?
Auto coverage is available, though certain restrictions may apply. Please submit full details for underwriting consideration.
In what states is this program available?
The program is available in most states, including AL, CA, FL, NY, TX, and many others. Contact us to verify eligibility in your client’s state.
Need help placing an account? Connect with a market specialist.