Frequently asked questions

In-home child care

Who are Markel and AFDS?

Markel Insurance develops and underwrites specialty insurance products to address the unique risks of niche markets including the child care industry. AFDS (American Federation of Daily-Care Services) is a purchasing group created in accordance with federal law, the Risk Retention Act of 1986, to bring together child care organizations and family child care providers from all over the country for the purpose of obtaining insurance at an affordable price. Therefore, this In-home child care program is one of the best insurance providers for residential child care centers, is selected by the National Association for the Education of Young Children (NAEYC), and recognized by the National Association for Family Child Care (NAFCC).

Does this program offer automobile liability?

At this time this program does not offer automobile insurance.

Does this program offer homeowners insurance?

At this time this program does not offer homeowners insurance.

How much coverage do I need?

This is a question that only you can answer. You need to be sure your are protecting your current assets as well as any future assets and earnings you may have. The highest limit of insurance available under this program is $1,000,000 per occurrence/$3,000,000 aggregate. If you have additional questions, speak to your attorney or a licensed Markel representative.

What is the $60.00 membership fee?

The insurance is through what is known as a risk purchasing group. The formation of a risk purchasing group allows our AFDS program to put together an insurance program specifically for a group of like exposures such as in-home child care providers. When you become a ADFS member you will receive a quarterly ADFS loss control newsletter and have access to in-home daycare insurance offered by Markel Specialty. The membership fee of $60.00 is not part of the premium, and is payable annually to AFDS. When applying online, the membership fee is included in the price shown. The fee covers administrative expenses, including filings, as well as behind the scenes work to negotiate rates, coverages and loss control services. Members have access to loss control services provided by Bill Coons. Send Bill an e-mail and he will help guide you to recognizing and controlling hazards you might not be aware of. Find out before an accident happens if you are following BEST PRACTICES for safety at your home based child care center. The membership fee is due and payable annually.

How do I cancel my policy?

A written request must be submitted including your policy number, the date you want to terminate your insurance coverage and the reason for the cancellation request. Premium refunds will be mailed out on the 15th day of the month following the processed cancellation.

How do I contact my in-home Markel insurance representative?

There are many ways to communicate with us.




In-Home Child Care - for AFDS members
P.O. Box 440549
Kennesaw, GA 30160
By Phone: 888-515-8537
By Fax: 678-290-2200