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.

Ineligible Social Services
Please note we cannot offer coverage to the following:
  • Services primarily catering to non-ambulatory and/or patients afflicted with dementia or Alzheimer’s as well as to the recently incarcerated
  • Overnight living for youth unaccompanied by a parent/guardian
  • Suicide prevention services and/or emergency hotline operations
  • Providing services to or accepting the services of youth and without requiring background checks on employees and volunteers
  • Nursing homes and/or assisted living centers
  • Adult day care (medical)
  • Adoption/foster care services
  • Abortion clinics
  • Mental health facilities
  • Risks located in AL, AK, HI, LA, MS or WV
  • Property coverage in FL (unavailable with this product)

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