Social Services Insurance Program

Humanity PlusSM Program — “Insurance with a Purpose”

Our Social Services Insurance Program is the Humanity PlusSM Program. It is written with an “A” Rated carrier and offers specialized coverages for a diverse range of for-profit and nonprofit human and social services organizations. We specialize in social services insurance — with a driven team of insurance professionals who have more than 100 years of combined staff experience insuring a variety of human and social services risks. Our Social Services Insurance Program is designed to meet the unique needs of these organizations, which may include organizations such as Adult Day Care Centers, Group Homes, Community Social Services, Mental Health, Services for the Developmentally Disabled and many more classes listed below in Eligible Risks!

We feel that human & social services organizations are dedicated to serving others. We’re dedicated to serving them. We have the experience and specialization to ensure your insured’s needs are met. By working together, we can exceed their expectations so they can focus on what they do best: serving the needs of humanity.

AFC is prepared to offer your insured complete coverage and outstanding service with our Humanity PlusSM Program! To get started, download the appropriate forms and applications provided below and contact Dina Tristani at dina.tristani@afcins.com or 610-814-2183.

Click each risk below for more information:

Adult Day Care Insurance
After School Programs Insurance
Addiction Treatment Center Insurance
Community Social Services Insurance
Family Services Insurance
Food Banks & Soup Kitchens Insurance
Group Home Insurance
Home Health Care Insurance
Homeless Shelters Insurance
Hospice Insurance
Hotline Insurance
Literacy Programs Insurance
Mental Health Insurance
Mentoring Programs Insurance
Nonprofit Insurance – Social Services
Respite Care Insurance
Services for the Developmentally Disabled
Services for the Physically Handicapped
Vocational Rehabilitation Services Insurance 

Associations for Retarded Citizens Insurance (ARC)
Insurance for Associations for Retarded Citizens is included in our Social Services Insurance Program, or the Humanity PlusSM Program. It is specifically designed to meet the needs of professional Associations for Retarded Citizens or ARCs. These facilities provide supervised care and support for people who are living with developmental disabilities, mental illnesses or mental handicaps. This may include Camps (Special/Adventure Courses) Facilities, Job Placement Services, Vocational Training, Life Skills, Behavioral Training, Social Interaction in Public and Summer Camps (must be licensed Developmentally Disabled Camps).

Autism Services Insurance

Insurance for services assisting people with Autism is included in our Social Services Insurance Program, or the Humanity PlusSM Program. These programs provide support with diagnostic assessments, pharmacy care, behavioral health, rehabilitative care, and counseling.

Cerebral Palsy Centers Insurance

Insurance for Cerebral Palsy Centers is included in our Social Services Insurance Program, or the Humanity PlusSM Program. These centers specialize in supporting and caring for individuals with Cerebral Palsy.

Counseling Services Insurance

Insurance for Counseling Services is included in our Social Services Insurance Program, or the Humanity PlusSM Program. Eligible classes may include Mental Health, Substance Abuse, Marriage & Family Counseling, End of Life/Mourning, Family/Child/Individual/Group Counseling, Domestic Abuse and Case Management.

Crisis Centers Insurance

Insurance for Crisis Centers is included in the Social Services Insurance Program, or the Humanity PlusSM Program. These centers provide services such as a facility or hotline where people can go or call in case of emergency or to obtain advice. Eligible risks may include Mental Health Care, Domestic Violence Programs, Alcohol & Drug Rehabilitation and Suicide Programs.

Domestic Violence Programs Insurance

Insurance for professional Domestic Violence programs is included our Social Services Insurance Program, or the Humanity PlusSM Program. These programs may include shelters or community residences to provide safety and basic needs of individuals suffering from domestic violence. These services may also include mental rehabilitation, nutrition counseling, anger management classes and job placement services for women, men and families.

Early Intervention Development Programs Insurance

Insurance for professional Early Intervention Development Programs is an important part to our Social Services Insurance Program, or the Humanity PlusSM Program. This is a type of Child Care Program that properly assists children with their development skills. Eligible classes may include Home & Community Based Services and Motor and Cognitive Skills.

Eating Disorder Treatment Centers Insurance

Our Social Services Insurance Program, or the Humanity PlusSM Program, includes coverage for organizations that provide care services for people with Eating Disorders. These programs may assist with the physical, mental and emotional rehabilitation of individuals living with an eating disorder. Services may also include counseling, in-patient housing, nutritional advising, behavioral health, and life coaching. This may include Anorexia Nervosa, Bulimia Nervosa, Binge Eating Disorder, Compulsive Overeating, Eating Disorders and Residential.

Employee Assistance Programs Insurance

Employee Assistance Programs Insurance is included in our Social Services Insurance Program, or the Humanity PlusSM Program. These programs may include assistance with employee benefits, usually in circumstances that are in relation with a health condition or a situation that may otherwise affect work performance in a negative way. Eligible risks may include Professional Counseling, Referrals, Gambling and Full Range of Addiction.

Fundraising Organizations Insurance

Insurance for Fundraising Organizations is included in our Social Services Insurance Progrma, or the Humanity PlusSM Program. It is tailored to meet the needs of those professional organizations that are fundraising for a cause. (No political fundraising.)

HIV/AIDS Services Insurance

Insurance for services that assist persons living with HIV/AIDS is included in our Social Services Insurance Program, or the Humanity PlusSM Program. These programs provide a variety of services to individuals living with HIV/AIDS. This may include guidance to essential benefits, educational resources, life coaching, emotional awareness, nutritional counseling and housing assistance. Eligible risks may also include Services for Individuals with HIV/AIDS, Respite Care, Home Health Care, Hospice and Nutritional Counseling.

 

Individual Residential Alternatives Insurance

Insurance for professional Individual Residential Alternatives is an important part to our Social Services Insurance Program, or the Humanity PlusSM Program. This type of service provides assistance to people who are Developmentally Disabled, Mentally Retarded or Mentally Handicapped and desire to live on their own in a supervised apartment. Eligible risks may also include Elderly Care Services.

Intermediate Care Facilities Insurance

Insurance for Intermediate Care Facilities is included in our Social Services Insurance Program, or the Humanity PlusSM Program. These services provide intensive health-related support and care for people with disabilities. Eligible risks may also include Mentally Retardation/Mentally Handicapped and Developmentally Disabled.

 

Mentally Retarded/Mentally Handicapped Services Insurance

Insurance for Mentally Retarded/Mentally Handicapped Services is included in our Social Services Insurance Program, or the Humanity PlusSM Program. It is tailored to meet the direct needs of these professional services, which may include Camp Facilities (Special/Adventure Courses), Residential, Day Treatment, Sheltered Workshops and Work Activities, Community Residences, Mental Health Care, Developmentally Disabled Outpatient Services and Guardianship.

Not-For-Profit Housing Facilities Insurance

Insurance for Not-For-Profit Housing Facilities is included in our Social Services Insurance Program, or the Humanity PlusSM Program. These facilities provide assistance moving from temporary housing to affordable housing. These risks must have a social service component — receiving counseling, getting back on their feet, etc. Eligible risks may include Low Income Housing and Temporary Housing to Affordable Housing.

Parent Outreach Insurance

Parent Outreach Insurance is included in our Social Services Insurance Program, or the Humanity PlusSM Program. Professional Parent Outreach programs assist, coordinate and implement direction to enhance the abilities of parents to support and build a stronger foundation with their children. Eligible risks may include Parent Outreach Program, Parenting Workshops and Peer to Peer Counseling.

Religious Youth and Outreach Groups Insurance

Insurance for Religious Youth and Outreach Groups is included in our Social Services Insurance Program, or the Humanity PlusSM Program. This is generally a safe location for teenagers and young adults. Insured must require mandatory background checks. Eligible risks may include Youth Groups, Religious Youth Groups and Outreach Programs.

Special Schools Insurance

Special Schools Insurance is included in our Social Services Insurance Program, or the Humanity PlusSM Program. Special Schools cater to students who may be developmentally disabled, mentally retarded or mentally handicapped. These schools may also assist students who have learning disabilities or behavioral trouble. Eligible risks may include Special Schools, Developmentally Disabled, Mentally Handicapped/Mentally Retarded, Severe Learning Disabilities, Behavioral Problems, and Autism.

Supportive Services Insurance

Supportive Services Insurance is included in our Social Services Insurance Program, or the Humanity PlusSM Program. These are referral services that provide direction and guidance for people who are developmentally or mentally disabled.

Our Social Services Insurance Program, or the Humanity PlusSM Program offers a competitive package of insurance coverages specifically designed to provide the best possible protection for nonprofit and for-profit social services organizations. Policies are issued on either an Admitted or Non-Admitted basis, and available coverages include: Package, Property, General & Professional Liability, Umbrella, Abuse & Molestation, Auto (some restrictions may apply) and Workers Compensation.

AFC also offers Coverage Endorsement & Enhancements including Volunteers & Independent Contractors as Insureds, Optional Key Employee Replacement Endorsement and Optional Extended Coverage Endorsement with Blanket Additional Insured. For more details, see below.

Property

  • Blanket/Replacement Cost/Agreed Amount Options
  • Special Form
  • No age restriction
  • All construction types eligible
  • Protection classes 1-9 eligible
  • Enhancement Forms Available
  • Deductibles start at $1,000

 

General Liability

  • Limits available up to:
    • $1,000,000 Per Occurrence
    • $3,000,000 Aggregate
    • No deductibles

Professional Liability

  • Limits available up to:
    • $1,000,000 Per Occurrence
    • $3,000,000 Aggregate
  • No deductibles
  • Occurrence or Claims-Made Options Available!
    • Automobile Liability
    • Includes vans and busses
    • Up to $1,000,000 CSL
    • Physical Damage

Crime and EDP

  • We design these coverages for your specific needs. For more information contact us.

Umbrella

  • Up to $5,000,000 limits available

Worker’s Compensation

  • Monoline
  • Higher Mod Accounts
  • Payment Plans
  • Guaranteed Cost
  • Multi State Operations

Monoline Auto – Optional Coverage

  • Available for eligible risks within the Human & Social Services Insurance Program
  • Please inquire regarding ineligible risks or exclusions.

Directors & Officers Liability

Submission Requirements:

  • Acords
  • Supplement
  • Auto Supplement & Driver List (Auto Coverage Only)
  • 5 years Currently Valued Loss Runs
  • Claims Details – If Applicable
  • Complete Staff Breakdown
  • Detailed description of risk

Forms & Applications

File NameFormatDownload
Abuse Supplement Download
Auto Supplement Application Download
Business Interruption Worksheet Download
Social Services New Business Application - Chartis Download
Social Services Renewal Application - Chartis Download
Social Services Residential Facility Supplement Download
Social Services Supplemental Application - Chartis Download
Swimming Pool Supplement - Chartis Download

Please provide the below information or contact us for more information on our Social Services Insurance Program. We look forward to hearing from you!

Social Services Insurance Program Inquiry

Have a question about our Social Services Insurance Program? Please provide the below information and we will contact you shortly!