Business Insurance for Adoption Agencies

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Why do adoption agencies need insurance?

Your agency is responsible for the well-being of children and their families, which comes with a high risk of lawsuits. Business insurance helps cover expenses when a child is injured, or when a family sues an adoption agency for negligence or wrongful adoption.

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Find the right coverage

Insureon helps adoption agencies find insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What types of business insurance do adoption agencies need?

These insurance policies cover the most common risks of adoption agencies.

General liability insurance icon

General liability insurance

A general liability policy covers basic risks, such as a visitor slipping on an agency’s wet floor. Bundle it with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged client property
  • Libel and slander lawsuits
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Professional liability insurance

This policy covers legal costs if your adoption agency is sued for negligence, such as failing to disclose a detail about an adopted child's history. It's also called errors and omissions insurance (E&O).

  • Negligence claims from adoptive parents
  • Unsuccessful home placement
  • Errors in the adoption process
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for adoption agencies to buy general liability coverage and commercial property insurance together.

  • Visitor injuries
  • Damage to a client's property
  • Stolen or damaged business property
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Directors and officers insurance

Directors and officers insurance (D&O) protects board members and officers from legal expenses if they are sued for a decision they made on behalf of an adoption agency.

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

Workers’ compensation insurance

Most states require workers' comp for adoption agencies 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
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Commercial auto insurance

Commercial auto insurance covers property damage, legal fees, and medical bills in an accident involving a business vehicle. Each state has its own requirements for auto liability insurance.

  • Car accidents
  • Vandalism and theft
  • Weather damage
Looking for different coverage? See more policies.

How much does insurance cost for human and social services?

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A small adoption agency will pay less for insurance than a larger company.

Factors that affect premiums include:

  • Services offered, such as crisis resolution
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get adoption agency insurance?

It's easy to get adoption agency business insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your adoption services, whether your focus is domestic adoption, international adoption, or children with special needs.

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