The Social Service industry is one of the fastest-growing sectors in the U.S., employing more than 1.6 million people across roughly 94,000 establishments. With projected growth of about 40% over the next decade, agents need reliable, specialized workers' compensation options that match the sector’s unique exposures.
Ideal Accounts and Appetite
This program is built for a broad range of social service organizations, including (but not limited to):
- Sheltered workshops
- Drug & alcohol rehabilitation and counseling centers
- Children & family services agencies
- Individual and group counseling services
- Vocational rehabilitation providers
- Day care centers
- Crisis intervention centers
Class codes commonly written: 8832, 8836, 8837, 8861, 8864, 8868, 8869, 9059, 9101, 9110.
Important: Residential facilities are excluded from this workers' compensation program.
Coverage Highlights and Advantages
PMC’s program gives agents access to market features suited to social service employers who need predictable, admitted coverage:
- Guaranteed-cost programs for budgeting and rate stability
- Admitted, A-rated carriers to satisfy regulatory and client expectations
- Underwriting flexibility for accounts with strong safety programs and favorable loss experience
These features make the program a practical solution when clients are having trouble finding competitive admitted workers' compensation terms in standard markets.
Underwriting Notes and Minimum Premiums
To submit an account for consideration, include the following documents:
- Completed workers' compensation application
- 3–5 years of currently valued loss runs
- MOD (experience modification) sheet
- Completed supplemental application
The program has a minimum premium that starts at $7,500. Accounts with documented safety protocols, loss-control initiatives, and clean loss histories will receive the most favorable underwriting consideration.
Territories and Availability
This program is available in the following territories:
AL, AK, AZ, CA, CT, DE, HI, ID, IL, IN, IA, KS, KY, ME, MD, MI, MS, MO, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OK, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WY.
Contact PMC Insurance Group for any state-specific eligibility questions or to confirm availability in a particular jurisdiction.
Why Work With PMC Insurance Group?
PMC is a wholesale broker focused on workers' compensation programs for niche industries. Working with PMC provides retail agents access to admitted carriers and program underwriting that may not be available through direct channels. Key strengths include:
- Deep experience placing social service and human services classes
- Relationships with A-rated, admitted carriers that prioritize these niches
- Responsive underwriting and placement support for complex or underserved risks
Whether you represent a small nonprofit counseling center or a regional vocational rehabilitation provider, PMC can help you secure admitted workers' compensation coverage that fits the client's operations.
Example Account Scenarios
- You have a nonprofit counseling agency with multiple off-site counselors and a clean five-year loss history — PMC can help place this account on an admitted, guaranteed-cost program with competitive terms.
- An urban day care center seeks admitted coverage but has had difficulty in standard markets — this program can consider the account when loss runs and safety protocols are provided.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Counseling centers, day cares, drug and alcohol rehab facilities, vocational rehab services, sheltered workshops, and similar social service agencies are good candidates—especially those with favorable loss histories and safety programs.
Are residential facilities eligible for this program?
No. Residential facilities are excluded from this workers' compensation program.
What submission documents are required?
Submit a completed WC application, 3–5 years of currently valued loss runs, a MOD sheet, and the program supplemental application for underwriting review.
What is the minimum premium for this program?
The minimum premium starts at $7,500, though final pricing depends on state, class codes, payroll, and loss history.
Is this program available nationwide?
The program is available in the states listed above. Contact PMC Insurance Group to confirm availability or to discuss an account in a specific jurisdiction.
Need help placing an account? Connect with a market specialist.