Social Service Organizations

Social Service Organizations Insurance Program

Comprehensive coverage designed for non-profit and community-focused organizations

Social service organizations provide essential support to communities, but their operations come with unique risks. Whether your organization operates a homeless shelter, senior care center, food distribution program, or an animal rescue service, having the right insurance is critical to ensuring continued operations and protection for staff, volunteers, and the individuals you serve. Our Social Service Organizations Insurance Program is tailored to meet the complex needs of both for-profit and non-profit organizations, offering coverage for liability risks, property protection, employment concerns, and more.

Key Coverage Areas

General Liability:
Protects your organization from claims of bodily injury or property damage that may occur on your premises or during service delivery, such as slip-and-fall incidents at a community center or injuries occurring during outreach programs.
Professional Liability (Errors & Omissions):
Provides coverage for claims alleging negligence, misrepresentation, or failure to provide expected services, such as social workers giving incorrect guidance or caseworkers mismanaging resources.
Abuse and Molestation Liability:
Offers critical protection in the event of claims related to abuse or misconduct within your organization, safeguarding staff, volunteers, and beneficiaries from potential legal and financial consequences.
Property Insurance:
Protects your facilities, equipment, and essential supplies—including shelters, office spaces, food storage areas, and transportation vehicles—from damage caused by theft, vandalism, fire, or natural disasters.

Workers’ Compensation:
Covers employees and staff for work-related injuries or illnesses, including social workers, outreach coordinators, administrative staff, and direct care providers. Coverage includes medical expenses, rehabilitation, and lost wages.
Business Interruption Insurance:
Provides financial assistance if your organization must temporarily suspend operations due to a covered event, helping to cover lost revenue, payroll, and operational expenses.
Employment Practices Liability Insurance (EPLI):
Protects your organization against claims of wrongful termination, workplace harassment, discrimination, and other employment-related disputes from staff or volunteers.
Cyber Liability Insurance:
Offers protection against data breaches, cyberattacks, and the theft of sensitive client information, ensuring compliance with data protection regulations and safeguarding donor and beneficiary records.
Umbrella & Excess Liability Coverage:
Provides an extra layer of liability protection by extending coverage beyond the limits of primary insurance policies, ensuring financial security in the event of substantial claims.

Who Is This For?

If you manage a social service organization, you need specialized insurance to protect your mission, staff, and community impact. This program is designed for:

Temporary Shelters & Transitional Housing Programs:
Providing emergency housing for individuals and families in need, including homeless shelters, domestic violence safe houses, and halfway homes.
Senior Care & Adult Day Centers:
Organizations offering programs, social services, and care assistance for elderly individuals in community settings.
Food Banks & Community Meal Services:
Nonprofits and organizations involved in food distribution, soup kitchens, and meal assistance programs for low-income or underserved populations.

Clothing & Household Goods Assistance Programs:
Charities and organizations that provide clothing, furniture, and essential household goods to those in need.
Pet Rescue & Adoption Services:
Organizations rescuing, fostering, and rehoming animals, including shelters, pet adoption programs, and mobile veterinary services for low-income communities.

Young female volunteer with tablet sitting on squats in front of woman with son

The Benefits of choosing this Program

Specialized Protection: Our coverage is specifically designed for the risks associated with social service organizations, from liability claims to volunteer protection.

Flexible Policy Options: Whether you run a small nonprofit or a large-scale community program, our policies can be tailored to fit your unique needs.

Risk Management Support: We provide expert guidance to help you implement best practices in risk prevention, ensuring the safety of your staff, volunteers, and clients.

Efficient Claims Handling: Our dedicated claims team works quickly to resolve issues so that your organization can continue serving its community without unnecessary disruption.

Getting Started

Protect your business with the right insurance coverage

Take the next step toward protecting your organization. Use our quick online form to request a customized quote for our Social Service Organization Insurance Program. Once submitted, your request will be directed to a dedicated point person who will connect you with a preferred partner agent for personalized support.

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