Immigration and Refuge Service refers to programs and organizations that support immigrants, asylum seekers, and refugees with housing, legal help, case management, resettlement assistance, and basic social services. These groups often operate as nonprofits, community-based organizations, or service providers working with local governments and volunteers. From an insurance perspective, the focus is on protecting the organization, its staff and volunteers, clients, and property from common exposures.
Who needs it
Typical applicants include nonprofit resettlement agencies, community legal clinics, faith-based groups, and social service providers that coordinate housing, transportation, and casework. Smaller volunteer-run organizations and larger resettlement contractors both seek coverage to manage liability and operational risks. Many organizations that provide respite, shelter, or social supports look to specialized programs like Respite Care/Social Services Insurance Program for tailored terms and limits.
What it typically covers
Insurance for immigration and refugee services usually combines several coverage types to address varied exposures:
- General liability for third-party bodily injury and property damage (spectator or visitor injury exposures)
- Professional or errors & omissions coverage for caseworkers and legal advisors
- Abuse and molestation (when applicable for childcare or shelter services)
- Property coverage for offices and client housing, including contents and equipment coverage
- Auto or transportation liability for vehicles used to transport clients (commercial auto exposure)
- Participant accident or volunteer accident coverage to protect unpaid workers
Underwriting may bundle these into a social services package similar to offerings found through a Social Services Insurance Program.
Common exclusions or limitations
Policies commonly exclude intentional acts, certain legal defense costs for immigration proceedings, and coverage for unapproved international activities. There may be limits on high-risk services like long-term housing operations, transportation across state lines, or legal representation in immigration court. Equipment damage from wear-and-tear and losses related to volunteer driver's personal autos are often excluded unless specifically endorsed.
Factors that influence cost
Premiums reflect a mix of underwriting factors: size of the organization, number of employees and volunteers, annual revenue, types of services provided, degree of client contact, claims history, and location of operations. Risk management practices—such as background checks, training programs, safety protocols, and formal volunteer policies—can reduce cost. Transportation risks and the use of volunteers in client-facing roles are common cost drivers.
Proof of insurance & compliance
Funders, landlords, and government partners frequently require certificates of insurance and specific limits or endorsements. Maintain written policies, incident reporting procedures, and signed volunteer agreements to demonstrate risk controls. For tailored programs and endorsements designed for social service operations, organizations often consult specialists or programs like the Human Services Insurance Program (RPS NIPC).
How to get a quote
Gather basic organization details—mission, services offered, roster of staff and volunteers, vehicle use, and prior claims—and work with an agent or broker who understands social services exposures. You can also start online to compare options and get customized terms. Get a quote at https://completemarkets.com/quote/ to begin the process and discuss appropriate limits and endorsements with a specialist.
Risk scenario: a volunteer transporting a newly arrived client slips while assisting with luggage—this shows how transportation risks and volunteer exposures can trigger both liability and medical payment needs.
Frequently Asked Questions
Do volunteers need separate coverage?
Many policies include volunteer accident coverage or extensions that protect unpaid staff, but specifics vary. Review volunteer roles and vehicle use with your insurer.
Will my landlord or funder require special endorsements?
Yes—landlords or grantors often request specific limits, additional insured status, or waiver of subrogation. Ask your insurer what endorsements are available.
How can we lower our insurance costs?
Implementing formal policies, regular training, background checks, and clear incident reporting can improve underwriting terms and reduce premiums over time.
Still have questions? Talk to a local insurance expert.