Overview — AFC Insurance Inc. Not-For-Profit Housing Facilities Insurance
AFC Insurance Inc. offers a targeted Health & Human Services program for not-for-profit housing facilities. This program is designed for transitional and low-income housing providers that combine affordable housing with an active social service component — for example, counseling, case management, job-readiness or other programs that help residents move from temporary to permanent housing.
Ideal Accounts and Appetite
You can use this program to place not-for-profit providers focused on temporary-to-affordable housing and low-income housing programs. Typical fits include:
- Transitional housing programs with documented social services (case management, counseling, re-entry support)
- Small to medium low-income housing projects operated by 501(c)(3) organizations
- Programs that operate residential units plus program vans or staff vehicles used in support services
Accounts that lack a social service component, operate as licensed medical or skilled nursing facilities, or present unusually high liability exposures may not fit. Submit unusual or complex risks for review — appetite and terms vary by carrier.
Coverage Highlights
- Property coverage for buildings, contents and tenant improvements (limits and forms vary by carrier)
- Auto coverage for owned or program vehicles used to transport residents or staff (symbol and usage restrictions apply)
- Program Administrator placement through a variety of carrier partners — admitted or non-admitted availability depends on state and carrier
Underwriting Notes and Documentation
Underwriters will want to see evidence of the social service component and operational controls. Typical submission requirements include:
- Statement of operations describing resident eligibility, length of stay and program services
- Loss runs for current carrier (if any)
- Copies of lease or occupancy agreements and residential rules
- Driver lists and vehicle use policies for auto exposures
- Safety, screening and eviction procedures
Minimum premiums and specific terms vary by carrier and state; AFC Insurance Inc. will confirm minimum premium requirements on submission.
Territories and Availability
Coverage is available in most states; capacity and admitted status vary by carrier. This program is available in the following jurisdictions:
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 Place This Business With AFC Insurance Inc.?
As a program administrator focused on Health & Human Services risks, AFC Insurance Inc. provides access to multiple carrier markets and underwriting expertise for not-for-profit housing operators. You’ll benefit from a tailored appetite for transitional and supportive housing, flexible placement options (property and auto), and underwriting that understands the operational nuances of social service programs.
Example Accounts
- Small nonprofit with a 20-unit transitional housing program offering counseling and job support — needs property coverage and a program van on a single policy.
- Community housing agency operating multiple low-income buildings with on-site case management — needs building and contents protection, plus limited auto coverage for staff transport.
If you have a potential submission that fits the classes above, prepare the program description and basic loss information and submit for quotation — carrier availability and terms will be confirmed on review.