Human Services Insurance

Connect With Brokers Who Understand Your Challenges

Human services professionals work tirelessly to help individuals and communities. In an increasingly complex risk environment, good works must be supported with robust asset protection. We tailor insurance solutions from the sector’s leading specialty insurance providers to protect human services organizations against unexpected challenges.

Protection against a myriad of risks

We’ve secured human services insurance for homeless shelters, community development agencies, substance abuse rehabilitation facilities, vocational training and placement initiatives, sheltered workshops, counseling groups, and a wide range of nonprofits that support youth, seniors, people with disabilities, and their families. Even the most resilient organizations face key exposures, which is why we recommend insurance to protect against:

In addition to broad protection, we also stress value and stability. We leverage our relationships with the top-rated insurers who are not only committed to the human services sector, but also maintain a strong track record of superior service.

Customized coverage for unique exposures

Your organization faces unique exposures—from youth supervision to the transportation of elderly patients. HUB brokers eliminate dangerous coverage gaps and tailor your human services insurance to your specific needs and exposures, including:

Habitational safety and supervision

Concentrations of people living in close proximity to each other pose serious life safety risks. Organizations that operate homeless shelters, group homes, or supportive housing are responsible for the safety and security of their facilities, staff, and residents. Before suggesting coverage, we assess property, environmental, and life safety risk management factors such as fire and security protection, potential mold or bacteria exposure, and emergency preparedness.

Client transportation risks

Many human services providers transport clients and patients to medical appointments, offsite workshops, and special events. Transportation liability from owned, rented, or personal vehicles can be catastrophic. Your organization needs adequate protection for drivers, passengers, and vehicles, especially with the rise in distracted driving. Our risk management specialists can help you create organizational vehicle use policies, facilitate driver safety training, establish fleet maintenance guidelines, and share best practices in transportation management.

Provision of professional services

Your human services insurance should address all of the services your organization provides. Counseling, referral, and vocational services, often provided by social workers and other professionals with advanced credentials or licensure, need specialized protection. Medical, dental, and psychiatric services, whether provided by in-house professionals or external contractors, also create risk for organizations and practitioners alike. When serving potentially combative clients, your employees are at risk for workplace injuries that result from those interactions. We can tailor protection for your full range of professional services and provide valuable support in managing third-party contractual risk.

Sexual misconduct liability

Human services organizations serving vulnerable persons—youth, seniors, and people with disabilities—face reputational and financial risks associated with allegations of abuse, molestation, and exploitation. Although such claims are infrequent, they can be expensive and devastating for all parties. In addition to securing sexual misconduct liability insurance, we can recommend recruitment, screening, training, supervision, internal feedback, and crisis management strategies to help you avoid and reduce risk, and more importantly, protect your staff and residents.