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Specialty coverage

Social Services Insurance

Social services insurance addresses the risks unique to organizations serving vulnerable clients — most critically abuse and molestation claims, which standard liability policies often exclude and which can be financially catastrophic. County contracts, state licensing rules, and grant funders typically require this coverage in writing before an agency can operate or bill for services.

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Who this coverage is for

This coverage is for agencies and providers who care for and support people, such as counseling centers, group homes, foster and adoption agencies, home care providers, and youth programs. It addresses the heightened responsibilities that come with serving vulnerable populations.

What it can help protect

Social services insurance is built for organizations whose work involves direct, personal care, where the stakes and exposures are especially sensitive.Professional liability — Responds to claims that services such as counseling or case management fell short and caused harm.

  • Abuse and molestation — Provides coverage for allegations of abuse involving clients in your care, subject to policy terms.
  • General liability — Covers bodily injury or property damage at your facilities or in the community.
  • Directors and officers — Protects leadership when management decisions are challenged.
  • Employee-related claims — Addresses allegations tied to hiring, supervision, and employment practices.
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Key choices and underwriting factors

A licensed review will usually focus on population served and service model, transportation/home visits/field work, and staffing, training, and incident history.

Common Questions