This policy covers common risks, such as an injury at a daycare center or group home. Bundle it with commercial property insurance for savings in a business owner’s policy.
A business owner's policy, or BOP, is a cost-effective way for human and social services organizations to buy general liability and commercial property insurance together.
Professional liability insurance for social services, also called errors and omissions insurance (E&O), helps cover expenses when a mistake or oversight results in a lawsuit.
D&O insurance protects social services board members and officers from legal expenses if they are sued for a decision they made on behalf of the organization.
Most states require workers' comp for social services businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
Commercial auto insurance can pay for third-party property damage and medical bills in an accident, along with damage caused by theft, weather, and vandalism.