AFC Insurance Inc. offers a specialized Eating Disorders Insurance program within its Health & Human Services suite. The program is designed for organizations that provide care and rehabilitation for individuals with eating disorders and helps agents and brokers place coverage for facilities delivering structured support such as counseling, behavioral health treatment, nutritional advising, residential care, and life coaching.
Ideal Accounts and Appetite
This program targets organizations focused on treating and supporting individuals with eating disorders, including:
- Residential treatment centers
- Outpatient counseling and therapy providers
- In-patient housing programs
- Nutrition and behavioral health clinics
- Life coaching and wellness centers focused on eating disorder recovery
Covered diagnoses include Anorexia Nervosa, Bulimia Nervosa, Binge Eating Disorder, Compulsive Overeating, and other clinically recognized eating disorders.
Coverage Highlights and Advantages
AFC’s program delivers a flexible suite of coverages to protect organizations from the liability and operational risks common in human services and behavioral health care. Available options include:
- Package policies
- General Liability and Professional Liability
- Endorsements to add Volunteers and Independent Contractors as Insureds
- Optional Key Employee Replacement endorsement
- Optional Extended Coverage with Blanket Additional Insureds
- Umbrella and Excess Liability
- Property and Auto (subject to underwriting restrictions)
- Abuse & Molestation coverage
These coverages address exposures faced by providers working with vulnerable populations in both residential and outpatient settings.
Underwriting Notes and Minimum Premiums
Minimum premiums depend on the size, services, and location of the operation. AFC works with a panel of carriers to create tailored programs and applies underwriting criteria suited to behavioral health and human services risks. Note that auto coverage may carry specific restrictions and is evaluated on a case-by-case basis.
Territories and Availability
This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and PA. AFC Insurance Inc. can write this program in all of the following states:
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.
Why Work With AFC Insurance Inc.?
As a program administrator with deep experience in the health and human services sector, AFC understands the specialized risks associated with treating eating disorders. AFC offers tailored coverage options supported by experienced underwriters and access to multiple carrier partners. Whether your client is a start-up residential facility or an established outpatient clinic, AFC can provide flexible solutions and responsive service for this niche area of care.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Residential treatment centers, outpatient therapy and counseling programs, nutrition clinics, in-patient housing programs, and wellness organizations that focus on eating disorder recovery are strong fits.
Is this program available on an admitted basis?
Yes. Coverage is available on an admitted basis in most states, depending on the specific risk profile and jurisdiction.
Are volunteers and independent contractors covered?
Yes. The program includes endorsements that allow volunteers and independent contractors to be added as insureds when appropriate.
What is the minimum premium for this program?
Minimum premiums vary by operation size, services offered, and location. Contact AFC for underwriting guidelines and pricing details.
Which states is this program available in?
The program is available in most states nationwide, including CA, TX, FL, NY and many others; a full list of eligible states is provided above.
Need help placing an account? Connect with a market specialist.