AFC Offers Insurance to Special Schools

PRODUCT: Special schools insurance

COMPANY: Carrier information available by inquiry (admitted and non-admitted)

BEST RATING: A (Excellent)

AVAILABILITY: Coverage is available through partnered brokers.

FOCUS: AFC is a program administrator that specializes in for-profit and nonprofit social services insurance. While the firm is dedicated to the human and social services niche, it is also involved in programs of home health care, home medical equipment, commercial child care and restaurants. Its range of programs also extends to accident and health, D&O, EPLI and workers compensation coverages.

An important part of the firm’s business is its Humanity Plus Program, which AFC calls “insurance with a purpose.” Humanity Plus belongs to AFC’s broader Social Services Insurance Program, which offers insurance to a wide range of for-profit, nonprofit and social service organizations including adult day care centers, group homes, community social services for the developmentally disabled and other related groups.

According to Dina Tristani, executive vice president and profit center leader, the Humanity Plus Program’s special schools insurance is designed for entities that serve those who are developmentally disabled, those with autism, persons who have hearing or vision impairments or other learning disabilities and those with behavioral problems. In response to the extraordinary risk factors that may result in part from the cognitive disabilities of clients in these facilities, AFC has positioned itself to assist those facilities in creating a comprehensive risk management program.

UNDERWRITING: Available coverages under the Humanity Plus Program include: general and professional liability, including abuse and molestation; umbrella, which can also include abuse and molestation; auto; and workers compensation. Endorsements and enhancements to these coverages are available as well, such as extensions of coverage to volunteers and independent contractors.

General liability limits are available up to $1 million per occurrence and $3 million aggregate with no deductibles. Professional liability limits are available up to $1 million per occurrence and $3 million aggregate with no deductibles. Occurrence or claims-made options are available. Property coverage is also available under the program with blanket/replacement cost/agreed amount options. The coverage also includes special form, no age restriction, all construction types, protection classes 1-9. Enhancement forms are available. Deductibles start at $1,000.

Automobile liability coverage is available with physical damage coverage and limits up to $1 million combined single limit. Vans and buses may be included. AFC can design crime and EDP coverage to best meet the client’s needs. Umbrella coverage is available up to $20 million. Workers compensation coverage is available under the program, with available features including monoline, payment plans, guaranteed cost and multi-state operations.

MINIMUM PREMIUM: None.

TARGET: Special schools that cater to students who may have developmental disabilities, hearing or vision impairments, other learning disabilities or behavioral problems. Eligible classes for this coverage may include schools specifically designated as such or facilities for the developmentally disabled.

COVERAGE TERRITORY: U.S.

CONTACT: Dina Tristani, executive vice president and profit center leader; AFC Insurance, Inc., 3101 Emrick Blvd, Suite 318, Bethlehem, PA 18020; 610-814-2183.

Ronimarie Acord is an IA contributor.