Overview — AI Risk: Social Services Agencies Program
AI Risk offers a focused insurance program for social service and human services organizations. This program is designed for agents and brokers placing nonprofit and for-profit operations that deliver community, residential, clinical, and outreach services. Policies can be issued on an admitted or non-admitted basis, and AI Risk leverages capacity including AIG to provide flexible solutions for primary and excess layers.
Key Risk Groups
Typical classes we write include (but are not limited to):
- Adoption and foster care services (placements, counseling, group homes)
- Services for developmentally disabled clients (group homes, day workshops, respite)
- Homeless services (shelters, safe houses, transitional housing)
- Programs for the elderly (senior day care, Meals on Wheels, community centers)
- Substance abuse treatment (residential rehab, counseling, methadone programs)
- Youth services (commercial day care, special education schools, youth-at-risk facilities)
- Community outreach and referral organizations (family counseling, case management)
Coverage Highlights and Advantages
- Package policies available on either admitted or non-admitted paper to match placement needs and state requirements.
- Professional Liability and General Liability available on an Occurrence or Claims-Made basis with limits up to $1M per occurrence / $3M aggregate, depending on underwriting.
- Abuse & Molestation coverage with sub-limits beginning at $50,000, and options to increase subject to underwriting.
- Employee Benefits Liability, Business Auto, Property (including Crime & Inland Marine), and Umbrella layers are available to build a complete risk program.
- Access to AIG capacity and AI Risk’s MGA expertise for faster placements and tailored terms for complex exposures.
Ideal Accounts and Appetite
This program is a strong fit for community-based providers with organized risk management and documented care protocols. Preferred accounts typically have:
- Written policies for client intake, supervision, medication management (if applicable), and incident reporting.
- Background screening and training programs for employees and volunteers.
- Reasonable staff-to-client ratios appropriate to the service provided.
We are comfortable with multi-site operations, licensed residential programs, and programs that combine direct care with outreach. High-risk facilities lacking formal policies, or accounts with a history of frequent or severe losses, may require additional underwriting or be ineligible.
Underwriting Notes
Underwriters will evaluate the scope of services, licensing and accreditation, client population, staffing and supervision, use of volunteers, and risk control programs. Abuse & Molestation exposures, medication administration, restraint use, and transportation of clients are common focus areas. Please submit detailed applications, current loss runs, policies & procedures, and staffing patterns to expedite review.
Territories and Admitted Status
Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Policies may be placed on either admitted or non-admitted paper depending on state regulations and the insured’s needs.
Example Account Scenarios
- You might have a 15-bed residential substance abuse program that needs primary GL/PL on admitted paper plus property and auto — this program can provide a packaged solution with abuse coverage limits and excess capacity.
- A community outreach nonprofit that operates a shelter, runs day programs for seniors, and uses volunteer drivers could be quoted with a tailored package including Volunteer screening protocols and Crime coverage.
Why Place This Business With AI Risk
AI Risk combines MGA responsiveness with carrier relationships (including AIG) to place complex social services risks efficiently. We offer flexible admitted/non-admitted placement options, a suite of coverages relevant to social services operations, and underwriting that understands programmatic differences across client populations. Submit applications and supporting documents for timely quotes and targeted terms.