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  • Phone: 877-TOSERVE
    (877) 867-3783

Human and Social Services Risk Solutions Industry

Our companies are amajor providers of insurance for the Human and Social Services industry.  Coverage is designed to provide protection for agencies involved in Mental and Behavioral Health, Developmentally Disabled, Agencies serving children, Social Service Agencies, Addiction Treatment, Advocacy, Social Workers, Transportation and many others. 

To address the unique needs and exposures of this industry, a broad array of coverage is offered.  This includes Comprehensive General Liability, Professional Liability, Abuse & Molestation, Property, Automobile, HIPAA, Umbrella, Accident and Health, Directors and Officers, and Workers Compensation products. 

Products and Services Back To Top
  • Coverage is tailored to meet the needs of Non-Profit and Social Service agencies to address the unique exposures they encounter.
  • Comprehensive General Liability provides Bodily Injury and Property Damage coverage for claims arising out of an insured’s operation. 
    - Broad coverage extensions are available to address exposures with volunteers, consumers, employees and special events. 
           - Liability for fundraising events including Liquor   
             Liability 
           - Bodily injury arising out of violation of resident's 
             rights 
           - Broad Definition of Insured 
           - Medical Payments coverage for Volunteers 
  • Professional Liability to protect accounts from claims incurred as a result of services they provide
  • Abuse and Molestation coverage for such incidents that arise from the account's operations
  • Automobile coverage for owned auto and non-owned automobile exposures
    - Drive other Car coverage available
    - Coverage for Volunteers available
    - Hired Physical Damage Coverage available
  • Enhanced Property coverage for buildings, business personal property, and business income exposures
    - Available coverage for Scheduled property in excess of $100,000,000
    - “Green” Coverage available
    - Property of Patients or Residents
    - Property of Home Care Providers
    - Catastrophe coverage for earthquake, wind and flood available
    - Room Reserve Coverage
    - Emergency vacating expense
    - Equipment Breakdown
  • Umbrella Liability coverage  to protect accounts in the event of a major loss
    - Abuse and Molestation coverage can be included
    - Professional Liability can be included
    - Limits available up to $25,000,000
  • Accident and Health Coverage
    - Volunteers
    - Coverage for children at childcare, camps, schools, etc.
    - Special events for participants
  • Workers Compensation for eligible accounts
  • Directors and Officers Liability
  • For a full review of coverage enhancements available please contact one of the Program Administrators listed in the "Distribution" tab.
 
Distribution Back To Top

• AI Risk provides a comprehensive package for a wide range of human service organizations, such as Foster and Adoption agencies, Mental and Behavioral health service providers, Developmentally Disabled, Social Services, Transportation, Agencies serving Youth, Addiction Treatment, Community Action Agencies and most other Human and Social Service Agencies.

• The Irwin Siegel Agency offers a full complement of products for the human and social services industry. The products are tailored for Developmental Disabiliites, Mental and Behavioral Health care, Addiction Treatment, Community Action Agencies, Agencies service Youth, Miscellaneous Social Service, Transportation, Head Starts and most other Human and Social Service Agencies.

• The AFC Human & Social Services Program offers a full line of coverage to accounts in this broad field. The products are designed for Child Care, Developmental Disabilities, physical rehabilitation, Mental and Behavioral Health care, Addiction Treatment, Agencies Serving Youth, Miscellaneous Social Service and most other Human and Social Service Agencies.

• The Smith, Bell, & Thompson (SBT) Human & Social Services Program offers a full line of coverage to accounts in this broad field. Broad coverage is provided for Adult Day Care, Behavioral and Mental Health, Social Services, Addiction Treatment, Agencies Serving Youth, Miscellaneous Social Service and most other Human and Social Service Agencies

• The Redwoods Group specializes in providing extensive coverage for YMCA's and Jewish Community Centers.

• American Professional Agency offers Professional Liability for Social Workers who are members of the National Association of Social Workers (NASW). Coverage for private, non-profit social service agencies incorporated as a 501 (c) 3 organization is available as well as for individual students or schools, including faculty and students studying the fields of psychology, social work, marriage and family therapy, mental health and Christian counseling. a program administrator. Through this administrator, coverage for private, non-profit social service agencies incorporated as a 501 (c) 3 organization is available, as well as for individual students or schools, including faculty and students studying the fields of psychology, social work, marriage and family therapy, mental health and Christian counseling.