Our all-in-one package "A++" rated carrier provides nonprofit social service organizations with the opportunity to purchase a package insurance policy! Types of organizations include but are not limited to the following nonprofit operations: abused adult shelters, animal shelter/rescue groups, big brother/big sister, botanical gardens, caregivers, counseling and referral, food banks/soup kitchens, group homes for the mildly handicapped, senior activity centers, thrift stores, transitional housing, vocational sheltered workshops and youth community centers.

Available Coverage for Social Services
  • Hired and nonowned coverage available in most states
  • Special events coverage available at no additional cost
  • Contingent professional liability coverage for specific medical professionals
  • Defense costs for state disciplinary proceedings available up to $100,000
  • First dollar coverage (no deductibles) for all liability coverages
  • Separate limits of liability with unlimited defense costs outside the limit
  • Lifetime occurrence reporting period for former directors and officers
  • Automatically includes third party discrimination and harassment
  • Free human resources hotline with unlimited number of calls and no time limits (when employment practices liability is purchased)
  • Special cause of loss form Equipment breakdown (includes free boiler inspection if required)

Coverage Limits Available for Social Services
  • General liability up to $1,000,000 occurrence/$3,000,000 aggregate
  • Social service professional up to $1,000,000/$3,000,000
  • Abuse and molestation up to $1,000,000 each claim (available on most classes)
  • Property values up to: $3,000,000 in non-coastal zones (protection class 1-8), up to $250,000 in protection class 9-10 and up to $500,000 in coastal zones (wind and hail restrictions apply)
  • Nonprofit directors & officers and employment practices limits up to $5,000,000