AFC Insurance Inc.
Specialty program administrator with in-house quoting and binding authority for social services and health & human services organizations.
Overview
AFC Insurance Inc. is a specialty program administrator and underwriting manager based in Bethlehem, Pennsylvania, focused exclusively on the health and human services sector. The company was originally formed in 2000 by the Henry S. Lehr Agency, Inc. to manage its large and profitable book of social services business, and became an independent company in 2001 specializing in for-profit and not-for-profit health and human services organizations.
With more than 100 years of combined staff experience, AFC Insurance operates on both an admitted and non-admitted basis across all states, offering in-house quoting and binding authority for its niche insurance programs. The company's deep specialization in social services risks -- including home health care, paratransit, child care, and food delivery -- allows it to offer expanded coverage, competitive rates, and superior claims response tailored to this underserved market segment.
AFC Insurance has been a subsidiary of Brown & Brown, Inc., one of the largest insurance brokerage and risk management services firms in the United States, since October 2001. It continues to operate as a distinct specialty program administrator under its own brand at afcins.com.
Products & Services
Social Services Insurance Program
AFC's flagship program is specifically designed for for-profit and not-for-profit social service organizations. The program provides comprehensive coverage for the full spectrum of health and human services providers, including mental health facilities, group homes, adult day care, and community-based social services.
Key Features
- Property and commercial auto
- Workers compensation
- General liability and professional liability
- Abuse and molestation coverage
- Liquor liability and crime
- Accident & health, D&O, and EPLI
Target Users: Non-profit and for-profit social services organizations
Distribution: Wholesale and retail brokers on admitted and non-admitted basis
Home Health Care Insurance Program
A dedicated program for home health care agencies providing in-home medical and personal care services.
Key Features
- Professional liability (errors & omissions)
- General liability
- Workers compensation
- Commercial auto for home visit staff
Target Users: Home health care agencies and providers
Home Medical Equipment (HME) Insurance Program
Coverage designed for home medical equipment dealers who supply durable medical goods to patients at home.
Target Users: Home medical equipment dealers and distributors
Paratransit / Non-Emergency Transportation Insurance Program
A specialized program for paratransit and non-emergency medical transportation (NEMT) providers, including a proprietary General Liability product developed exclusively for the paratransit segment.
Key Features
- Commercial auto (primary program coverage)
- Exclusive general liability product
- Accident & health for passengers
Target Users: Paratransit operators and NEMT providers
Commercial Child Care Insurance Program
Comprehensive coverage for licensed commercial child care facilities, daycare centers, and early childhood education providers.
Key Features
- General liability including abuse and molestation
- Property
- Workers compensation
- Professional liability
Target Users: For-profit and non-profit child care facilities
Pizza Delivery and Deli Delivery Insurance Program
Specialized coverage for food service establishments with delivery operations, including pizzerias and deli restaurants.
Key Features
- Commercial auto for delivery drivers
- General liability
- Property
Target Users: Pizza delivery restaurants and deli operators with delivery service