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Human Services Program

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Insurance for nonprofit organizations and human service providers

Organizations in the human services sector face unique risks—from liability exposure during outreach activities to protecting staff, volunteers, and vulnerable clients. Our Human Services Program offers specialized coverage for nonprofits and social service agencies working to support their communities.

Who We Serve:

Why Choose Our Human Services Insurance

1. Tailored to Nonprofits

We understand the operational and funding challenges nonprofits face and offer adaptable solutions to protect your mission.

2. Coverage for Staff & Volunteers

Protect both employees and unpaid staff with comprehensive liability and workers’ compensation options.

3. Program-Specific Risk Solutions

Insurance options built to reflect your services—whether you work with children, adults, or individuals with disabilities.

4. Guidance on Compliance & Claims

Stay protected and prepared with help from agents experienced in human services risk management.

Key Coverages Include

1. General & Professional Liability

Protection from third-party claims of injury, property damage, or negligence.

2. Abuse & Molestation Coverage

Critical coverage for organizations working with vulnerable populations.

3. Directors & Officers (D&O) Liability

Covers board members and leadership from lawsuits related to their decisions or actions.

4. Property & Equipment Insurance

Covers offices, program sites, and essential tools and tech.

5. Business Auto & Non-Owned Auto

Covers vehicles owned by the organization or used by staff/volunteers.

6. Workers’ Compensation

Covers medical expenses and lost wages for injured staff and caregivers.

Contact Us Today

Need help Protecting Your Program?

We can help you understand and secure the right protection for your agency.

faqs

Frequently asked questions

1. Do you insure both large and small human service agencies?
Yes. Whether you’re a single group home or a large multi-location nonprofit, we can tailor your coverage.
It protects your organization from claims related to allegations of sexual abuse, misconduct, or negligent supervision.
They can be—ask about adding volunteer liability and accident coverage to your policy.
Annually—or whenever you add services, locations, or new board members.