Human Services Insurance

Protect your organization’s assets, operations and people with coverage built for nonprofits and social service agencies.

• Abuse and Molestation Liability
• Auto Liability (owned, hired and non-owned)
• Commercial Property
• Crime
• Cyber Liability
• Errors and Omissions / Professional Liability
• General Liability
• Management Liability
• Umbrella Liability
• Workers’ Compensation

Attract and retain your dedicated workforce with customized employee benefit programs  designed for nonprofit budgets and staff needs.

• Benefits Compliance
• Employee Health and Performance
• Healthcare Cost Management
• Strategic Benefits Planning
• Voluntary Benefits

Support your workforce and operations with innovative HR and technology solutions.

• Employee Training and Development
• HR Consulting and Compliance Services
• Workforce Management Technology

Help your employees and leadership plan for the future while protecting fiduciary responsibility.

• Employee Financial Wellness
• Employee Retirement Plans
• Executive Benefits
• Fiduciary Liability
• Private Wealth Management
• Small Business Retirement Planning

Minimize claims and strengthen organizational resilience with proactive nonprofit risk management programs.

• Abuse and Molestation Risk and Prevention
• Claims Management and Advocacy
• Crisis Management
• Workplace Safety Management

Human services insurance is designed to protect organizations that provide care, support and community services. A portfolio typically includes nonprofit-specific general liability, professional liability, property, auto and umbrella liability and management liability insurance. Many organizations also need abuse and molestation insurance and cyber liability insurance. Such protection helps organizations focus on serving their communities while managing risks through strong nonprofit risk management programs.

Nonprofit human services insurance is important for social service agencies, community-based organizations and nonprofits that support vulnerable populations. This includes groups offering counseling, housing, education, rehabilitation or foster care/adoption services. Social services insurance also applies to youth programs, food banks and organizations supporting individuals with disabilities or behavioral health needs. It is important for any entity providing care or assistance benefits from coverage that protects people, property and their mission.

Human services insurance often includes general liability to cover accidents or injuries that occur during services. Professional liability, or errors and omissions, protects against risks tied to advice, care or support. Abuse and molestation insurance is critical for organizations serving vulnerable populations, while management liability insurance for human services safeguards leadership decisions. Umbrella liability insurance for nonprofits provides a safety net of additional protection when claims exceed standard policy limits.

Yes, abuse and molestation insurance is an important part of human services insurance for organizations that serve children, families and other at-risk groups, but is typically sold as an add-on to general liability. This coverage is designed to help with legal costs, settlements and crisis management if a claim arises. It complements general liability and professional liability protection, ensuring organizations can continue their mission while safeguarding clients and staff. For nonprofits, it is one of the most important pieces of a comprehensive nonprofit risk management program.

Yes, many programs include cyber liability insurance for human services, which addresses risks like ransomware, phishing or data theft. This coverage can pay for breach of response costs, including legal, forensics, consumer notification, credit monitoring and public relations services, as well as system restoration and compliance with legal or regulatory requirements. For nonprofits and social services providers, cyber liability insurance is a vital safeguard within a broader nonprofit risk management program.