Business Insurance for Adoption Agencies

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Adoption Agency
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A client's injury at your agency or a poor decision by a board member could lead to a costly lawsuit. Safeguard your small nonprofit with the right adoption agency insurance coverage.

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Compare adoption agency insurance quotes

Insureon helps adoption agencies compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do adoption agencies need?

These policies cover the most common risks faced by adoption agencies.

General liability insurance icon

General liability insurance

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

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

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), can cover expenses if your adoption agency is sued for negligence, such as placing a child in an unsuitable home.

  • Accusations of poor care
  • Unsatisfactory home placement
  • Oversights in background checks
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 insurance and commercial property insurance together.

  • Visitor injuries
  • Damage to clients’ property
  • Damage to adoption agency’s property
Directors and officers insurance icon

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
  • Legal costs
  • Missed wages
Commercial auto insurance icon

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.

Why do adoption agencies need insurance?

Running an adoption agency is challenging work, and when emotions run high, lawsuits are more likely to happen. Adoption insurance helps cover expenses when your agency is sued over issues related to a child’s care, or when an accident or injury occurs at your agency.

How much does insurance cost for human and social services?

Person writing on tablet calculating cost of business insurance.

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
View Costs
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