AFC Insurance Inc.’s Autism Insurance program is offered through its Human & Social Services Insurance platform. As a program administrator with access to multiple admitted carriers, AFC provides flexible, industry-specific solutions for organizations that deliver services to individuals diagnosed with autism. The program can be structured to cover diagnostic assessments, behavioral health therapy, rehabilitative services, counseling, and pharmacy-related support — with options to combine general and professional liability into a single package policy.
Ideal Accounts and Appetite
This program is designed for a range of autism-service organizations. Typical classes we place include:
- Autism services providers — outpatient centers, in-home therapy providers, and day-program operators
- Special schools — private or nonprofit schools focused on special education for children with autism spectrum disorders
From the agent’s perspective: this is a good market when your client needs protection for both general liability exposures (slips/trips, premises) and professional exposures (therapy, assessments, treatment plans). AFC is particularly useful for accounts with part-time staff, regular volunteers, or contracted therapists who require endorsed coverage.
Coverage Highlights and Advantages
Offered on an admitted basis in most states, the program bundles a broad set of coverages that human and social services organizations commonly need:
- General Liability and Professional Liability (errors & omissions)
- Package policy options to simplify placement and reduce coverage gaps
- Endorsements and enhancements, including:
- Volunteers & independent contractors included as insureds
- Optional key employee replacement
- Optional blanket additional insured endorsement for contractual relationships
- Umbrella and excess limits to extend primary liability capacity
- Property and auto coverage (subject to underwriting restrictions)
- Abuse & molestation coverage — available where admitted
These options help agents tailor policies for multi-location programs, mobile in-home services, and organizations that rely on volunteers or subcontractors.
Underwriting Notes and Minimum Premiums
Underwriting emphasizes the operational controls that reduce liability exposures: staff training and credentials, documented treatment plans, background checks, supervisory ratios, and client intake/consent procedures. Common factors that affect pricing and acceptability include the types of services provided, frequency of in-home work, staff composition (W-2 employees vs. contractors), and prior loss history.
Minimum premiums and final terms vary by state, carrier, and selected coverages. AFC works directly with agents to identify the optimal carrier within their panel and structure limits and endorsements to match the client’s risk profile and budget.
Territories and Availability
The program is available in most U.S. jurisdictions. AFC currently offers this product in 49 states plus Washington, DC. Availability and specific coverage features can vary by state, so confirm state eligibility and any local restrictions when submitting a referral.
Why Work With AFC Insurance Inc.
AFC brings focused underwriting experience in the human and social services sector and access to admitted markets that prefer specialty program business. As a program administrator, AFC can tailor package solutions, place complex or multi-location accounts, and provide agent support through underwriting consultation and flexible endorsements.
Example placements that fit well: you might have a mid-sized private autism therapy center operating from several leased locations that needs both professional liability and umbrella limits; or a nonprofit special education school relying on volunteers and contracted therapists that requires volunteer-insured endorsements and abuse & molestation coverage.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Autism therapy providers, special education schools, and nonprofit organizations offering autism-related services are ideal fits.
Is this program available on an admitted basis?
Yes, the program is offered on an admitted basis in most states.
Are volunteers and independent contractors covered?
Yes, volunteers and independent contractors can be included as insureds through available coverage endorsements.
What coverages are typically included in the program?
The program includes general liability, professional liability, property, auto (with some restrictions), umbrella, and abuse & molestation coverage, along with optional enhancements.
In which states is this program available?
The program is available in 49 states plus Washington, DC. Contact AFC Insurance Inc. for availability in specific states.
Need help placing an account? Connect with a market specialist.