Overview — AFC Insurance Inc. Intermediate Care Facilities Insurance
AFC Insurance Inc. offers a specialized program for Intermediate Care Facilities as part of its Health & Human Services portfolio. The Intermediate Care Facilities Insurance program is designed for professional providers that deliver intensive, health-related support and day-to-day care for people with disabilities. The program combines liability, property, and optional enhancements to address the unique operational and professional exposures of these facilities.
Ideal Accounts and Appetite
This program is intended for licensed intermediate care providers and similar facilities. Target classes include:
- Mental Retardation / Mentally Handicapped (often described today as intellectual or developmental disabilities)
- Developmentally Disabled services
Good-fit accounts are structured facilities with documented policies, professional staffing, and stable resident populations. Examples you might place through this program:
- A community intermediate care facility that provides daily habilitation and medical support for adults with developmental disabilities and has on-site nursing and therapy staff.
- A licensed group home serving residents with intellectual disabilities that contracts licensed therapists and uses vetted volunteers and independent contractors.
Coverage Highlights and Advantages
AFC’s program provides a flexible package of coverages aimed at the exposures common to intermediate care operations:
- Package forms with General Liability and Professional Liability options
- Coverage endorsements and enhancements including Volunteers & Independent Contractors as Insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insured
- Umbrella and Excess capacity
- Property and Auto (subject to underwriting restrictions)
- Abuse & Molestation limits available
Underwriting in this program focuses on demonstrable risk controls: staff training and credentialing, background checks, written policies for restraint and medication, documentation practices, and facility maintenance. These elements improve competitiveness in pricing and terms.
Appetite — What Fits and What Does Not
Fits:
- Licensed intermediate care and residential habilitation programs for people with developmental or intellectual disabilities
- Facilities with professional oversight, consistent staffing, and formal risk management procedures
Typical ineligible risks include (but are not limited to): Adoption agencies (if adoption comprises more than 25% of operations), Assisted Living for seniors/elderly, Birthing Centers, Big Brothers/Big Sisters with overnight activities, Correctional Facilities, Foster Care Agencies, Psychiatric Hospitals, Sex Offenders programs, violent youth lockdown facilities, and standalone special events/fundraisers.
Underwriting Notes and Minimum Premiums
Underwriting evaluates program scope, staffing ratios, licensure, resident profiles, history of claims/abuse incidents, and contractual exposures. Carrier availability and specific terms depend on the risk profile and state regulatory requirements.
Minimum premiums and binding authority vary by state and carrier—minimum premium: Varies. Carrier selections are variable; AFC places business with different markets depending on the account and jurisdiction.
Territories and Admitted Status
The program is available in most states. Current territories include: 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, WY. Admitted status: Most Available States (carrier and admitted vs. non-admitted placement depend on state and underwriting).
Why Work With AFC Insurance Inc. on Intermediate Care Facilities
As a program administrator focused on Health & Human Services, AFC Insurance Inc. provides tailored forms and endorsements that address the nuanced risks of intermediate care operations. You’ll benefit from:
- Program wording developed for the sector
- Flexible coverage enhancements (volunteers, independent contractors, key employee replacement)
- Access to multiple carrier options (varies by account and state)
- Underwriting that understands regulatory and operational exposures for developmental disability services
If you have an intermediate care client with established policies, licensed operations, and a clear risk management program, AFC’s Intermediate Care Facilities Insurance can be a competitive placement option.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Licensed intermediate care facilities and group homes serving individuals with developmental or intellectual disabilities that maintain professional staffing, training, and written policies are good fits. Facilities with stable resident populations and documented risk controls are preferred.
Which coverages are included and what optional enhancements are available?
The program offers package solutions including General and Professional Liability, property, auto (with restrictions), umbrella, and optional Abuse & Molestation coverage. Endorsements include Volunteers & Independent Contractors as Insureds, an optional Key Employee Replacement endorsement, and an optional Extended Coverage endorsement with Blanket Additional Insured.
Are there notable ineligible risks?
Yes. Commonly ineligible operations include assisted living for seniors, psychiatric hospitals, correctional facilities, foster care agencies, birthing centers, programs serving sex offenders, and organizations that run overnight youth programs like Big Brothers/Big Sisters with overnight activities. Specific exclusions can vary by carrier.
How do territories, admitted status, and minimum premium work for submissions?
The program is offered in most states listed on the storefront; admitted vs. non-admitted placement and minimum premiums vary by state and carrier. Carrier availability is variable—submit detailed information to obtain specific eligibility and premium guidance.
Need help placing an account? Connect with a market specialist.