Human and Social Services Insurance

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Top social services we insure

Insureon has helped small businesses secure over 1.5 million policies.

Recommended insurance policies for human and social services

Daycares, senior centers, and other organizations can rebound from losses with the right insurance. Insureon can help you secure coverage that protects against steep legal bills and more.
General liability insurance icon

General liability insurance

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.

  • Slip-and-fall accidents
  • Damaged client property
  • Libel and slander lawsuits
Business owner’s policy icon

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 icon

Professional liability insurance

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.

  • Accusations of negligence
  • Mistakes made while providing services
  • Failure to provide promised services
Directors and officers insurance icon

Directors and officers insurance

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.

  • Mismanagement of funds
  • Failure to meet regulatory standards
  • Failure to perform official duties
Workers’ compensation insurance icon

Workers’ compensation insurance

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.

  • Employee medical expenses
  • Partial missed wages
  • Lawsuits over employee injuries
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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
Looking for different coverage? See more policies.

How much does insurance cost for human and social services?

Human and social service professional calculating insurance costs for their business.

Several factors will have an impact on insurance costs, including:

  • Services offered, such as adoption and crisis resolution
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
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