Top social services we insure
General liability insurance
This policy covers common risks, such as a client injury at a daycare center or group home. Bundle it with commercial property insurance for savings in a business owner’s policy.
- Slip-and-fall accidents
- Damaged client property
- Libel and slander lawsuits
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.
- Client injuries
- Damaged client property
- Damaged business property
Professional liability insurance
Social services professional liability insurance covers financial losses when a mistake or oversight results in a lawsuit. It's also called errors and omissions insurance (E&O).
- Accusations of negligence
- Mistakes made while providing services
- Failure to provide promised services
Directors and officers insurance
This type of liability coverage protects social services board members and officers from legal expenses if they are sued for a decision they made on behalf of the organization.
- Mismanagement of funds
- Failure to meet regulatory standards
- Failure to perform official duties
Workers’ compensation insurance
Most states require workers' comp for human service organizations that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Commercial auto insurance
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.
- Car accidents
- Vandalism and theft
- Weather damage
How much does business insurance cost for human and social services?
A small food bank or other organization with only a few employees won't have to pay a lot for business insurance.
Several factors impact your insurance pricing cost, including:
- Professional services offered, such as adoption, daycare, or mental health counseling
- Business equipment and property
- Your annual business revenue
- Where your business operates
- Number of employees
- Policy limits and deductibles
It’s easy to find human services business insurance. Whether you're seeking for-profit or nonprofit insurance, you’ll need to provide basic information about your business.
Our application will ask you for your annual revenue and payroll, among other details. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare free quotes and choose a policy.
- Pay for your policy and download a certificate for proof of insurance.
Insureon's licensed agents work with top-rated U.S. providers to find the right insurance solutions for your social services business, whether you work independently or hire employees.
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Because your work directly impacts people's lives, mistakes can be devastating. A simple error in documentation could have profound effects, which could result in a lawsuit against your business.
Professional liability insurance pays for attorney's fees and other legal costs resulting from accusations of professional negligence. Those who provide medical services, such as nurses and occupational therapists, need a version of this coverage called medical malpractice insurance to protect against errors that lead to physical harm.
Here are several examples of lawsuits covered by professional liability/malpractice insurance:
- An adoption agency fails to notice a developmental disability and a special needs child is harmed
- A resident at a nursing home develops bed sores due to neglect
- Improper supervision at a daycare center leads to a child being injured
- A family member believes a resident of a senior center is a victim of molestation
Even if your business has done nothing wrong, you could still face a lawsuit. Professional liability insurance covers these kinds of lawsuits and provides peace of mind so you can focus on your organization's goals and community services.
Be aware that this is a claims-made policy, which means you must keep your policy active in order to collect on a claim.
A comprehensive risk management strategy includes business insurance tailored to your unique needs. The following policies protect against additional exposures you might face:
- Business interruption insurance: This policy helps cover operating expenses during a forced closure, such as a week-long renovation after a fire damages your office. It's also called business income insurance.
- Employment practices liability insurance (EPLI): When an employee sues your business over discrimination, unfair termination, or another violation of their rights, this policy pays for your business's legal costs. It's a type of management liability insurance.
- Hired and non-owned auto insurance (HNOA): Business owners and employees who drive their own cars for business use can get protection against auto accident legal costs with this type of liability insurance. It also covers rented and leased vehicles.
- Commercial crime insurance: You can add an endorsement to your commercial property insurance or BOP to protect against property crimes, or buy employee dishonesty coverage to protect against cash register theft and similar crimes committed by employees.
- Fiduciary liability insurance: Another type of management insurance, this policy covers legal costs if someone who oversees an employee benefit plan is accused of mismanaging funds.
- Commercial umbrella insurance: If a claim exceeds the limits on an underlying liability policy, such as general liability, umbrella insurance will activate and cover the claim up to its limits. This coverage is similar to excess liability insurance.
- Cyber insurance: Also called cyber liability insurance or cybersecurity insurance, this policy helps businesses recover financially after a data breach or cyberattack.
Some of the above types of insurance can be added to a BOP or commercial package policy (CPP) for additional coverage, as well as savings. Learn about other ways you can save money on small business insurance.
Find social services insurance quotes
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