Meaningful Work.
Remarkable People.

People First Relief Program

Providing care, compassion and partnership in the communities where our teammates work and live has been central to the mission of AF Group for decades, and is a reflection of our lasting commitment to the health and wellbeing of others in their time of greatest need.

During the COVID‑19 pandemic, AF Group was proud to fulfill this commitment by establishing the People First Relief Program, which offered more than $30 million in financial assistance to customers and communities nationwide.

This remarkable program included:

• Corporate & Employee Giving
  More than $312,000 in donations to food banks focused on supplying COVID‑19 relief across the country
• Partnership & Collaboration with agents in support of shared customers, which included:
  • Collaboration with agents to support policyholders to help sustain their businesses
  • Early distribution of dividend payment checks to policyholders
  • Profit sharing distribution options for agents to generate additional cash flow
  • Proactive endorsements of policies to reflect lower payrolls, helping to decrease payment plans or generate refunds to policyholders
  • Provision of PPE and medical supplies to policyholders in industries most impacted by COVID‑19, such as health care, senior living facilities, food service and restaurants
  • Coordination with health care facilities to supply hundreds of free meals delivered directly to local frontline workers
• New Resources
  • Innovative, virtual loss control for customers to ensure the ongoing safety of their workplaces and employees
  • Extensive safety materials offering guidance on safe work practices during COVID‑19

Given its larger mix of business in health care, senior living and other frontline medical services than the industry (25% vs. industry average of 6%), AF Group was significantly impacted by COVID‑19. While many competitors chose to not renew policies in these segments and exited the market, AF Group continued to not only write the business, but support our policyholders and their injured workers despite the challenges to our bottom line.

As COVID‑19 continued, AF Group established enhanced claim handling procedures, which resulted in the consistent review of COVID‑19 claims, further reinforcing its commitment to ensuring the continued success of businesses and to protecting the health and safety of their employees.

On the legislative front, AF Group demonstrated our influence and leadership by successfully promoting and supporting COVID‑19 public policy solutions across the country, actively working with policyholders, elected officials, industry competitors and communities to advocate for a balanced approach and response to ensure frontline workers impacted by COVID‑19 were protected. In this effort, AF Group has been an influential voice in promoting the workers’ compensation industry’s effectiveness by defending the system from unnecessary presumptions, along with providing further education to policymakers on the tenets of workers’ compensation while partnering with industry stakeholders to protect impacted consumers.

As the COVID‑19 pandemic subsides, AF Group remains committed to supporting our customers and communities by continuing to extend our outreach and support to those in need.