AFC Insurance Inc. offers a specialized
Respite Care Insurance program under its Health & Human Services division, designed to support agents and brokers placing coverage for organizations serving vulnerable populations. Respite care services provide temporary relief to primary caregivers of elderly, ill, or developmentally disabled individuals—an essential yet often overlooked part of the care continuum. These services come with unique liability exposures and operational risks that require tailored insurance solutions.
Ideal Accounts and Eligible Classes:
This program is ideal for insureds offering temporary care or support services to individuals with developmental disabilities, chronic illness, or other special needs. It is structured to accommodate a wide range of organizations, including:
- Camps (Special Needs, Adventure, or Licensed Summer Camps for the Developmentally Disabled)
- Respite Care Facilities and Day Programs
- Hospice Organizations
- Traumatic Brain Injury (TBI) Programs
- Organizations operating under ARCs (Associations for Retarded Citizens)
- Services providing relief for long-term caretakers
Whether your client runs a licensed summer program for developmentally disabled youth or operates a respite day facility for seniors with dementia, this program can provide the necessary coverage framework.
Coverage Highlights and Advantages:
This program offers a comprehensive package of coverages to address the multifaceted risks associated with respite care services, including:
- General and Professional Liability
- Package Policies
- Umbrella Coverage
- Property and Auto (some restrictions may apply)
- Abuse & Molestation Coverage
- Coverage Enhancements including:
- Volunteers & Independent Contractors as Insureds
- Optional Key Employee Replacement Endorsement
- Optional Extended Coverage Endorsement with Blanket Additional Insureds
These comprehensive options ensure that your clients are protected against the full spectrum of liability and operational risks inherent in their field.
Underwriting Considerations and Minimum Premiums:
Minimum premiums vary depending on the size, scope, and nature of the risk. AFC Insurance Inc. evaluates each submission carefully and works closely with agents to identify the best coverage options. Accounts should demonstrate appropriate licensure, staff training, and risk management protocols to be considered.
Territories and Availability:
This program is available in most states, including but not limited to CA, FL, NY, TX, IL, and WA. See the full list of eligible states for your client placements: 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 dedicated Program Administrator, AFC Insurance Inc. brings deep expertise in the health and human services sector. With flexible underwriting, access to multiple carrier partners, and a focus on specialized care environments, AFC is an excellent partner for agents placing respite care and related accounts. You’ll benefit from responsive service, knowledgeable underwriters, and a program built to adapt to the evolving needs of care providers.
You might have a client running a summer adventure camp for developmentally disabled teens or a nonprofit offering day respite services for Alzheimer’s patients—this program is built to meet their insurance needs with tailored coverages and risk-focused underwriting.