What is The Preferred Social Service Program?
The Preferred Social Service Program is a specialized insurance solution designed for organizations that provide social, community, or human services. This type of coverage is tailored to meet the unique risks and responsibilities these organizations face while serving vulnerable populations. It typically includes a package of liability and property protections to help secure operations, staff, volunteers, and clients.
Who Needs It
This program is ideal for a wide range of nonprofit and for-profit social service providers, including:
- Group homes and residential care facilities
- Counseling and mental health centers
- Substance abuse and rehabilitation programs
- Daycare and youth programs
- Community outreach and support services
Whether your organization provides shelter, counseling, education, or health-related services, the Preferred Social Service Program can help protect your mission.
What it Typically Covers
Coverage under the Preferred Social Service Program often includes:
- General liability to protect against bodily injury and property damage claims
- Professional liability (errors & omissions) for counseling or therapeutic services
- Abuse and molestation coverage
- Property coverage for buildings and contents
- Commercial auto coverage for organization-owned or operated vehicles
- Workers’ compensation (where required by state law)
Common Exclusions and Limitations
Like most insurance policies, this program has exclusions. Common exclusions may include:
- Intentional or criminal acts
- Fraudulent activities
- Certain high-risk recreational activities
- Unreported or non-disclosed operations
Coverage terms and exclusions can vary. It’s important to work with a licensed agent to understand your policy details.
Factors That Influence Cost
Insurance costs for social service organizations depend on several factors, such as:
- The type and scope of services provided
- Number of employees and volunteers
- Annual revenue and budget
- Past claims history
- Location and property values
Each organization is unique, so premiums and coverage needs will vary accordingly.
Proof of Insurance & Compliance
Most states and funding entities require social service organizations to show proof of insurance to meet licensing or grant requirements. A certificate of insurance (COI) is typically used to verify coverage. Make sure your policy meets any state-specific requirements and is up to date when applying for contracts or funding.
How to Get a Quote
Getting the right insurance for your social service organization starts with a custom quote. Request a quote today to find the coverage that fits your mission and operations.
Frequently Asked Questions
What types of organizations qualify for the Preferred Social Service Program?
Organizations that provide community, counseling, housing, youth, or rehabilitation services typically qualify. Eligibility depends on the services offered and risk profile.
Is abuse and molestation coverage included automatically?
Abuse and molestation coverage is often included but may require specific underwriting approval. Always confirm with your insurer.
Can volunteers be covered under this policy?
Yes, many policies extend liability coverage to volunteers. Be sure to review your policy for specific terms and limits.
What is a certificate of insurance (COI)?
A COI is a document that proves your organization has active insurance coverage. It’s often required for licensing or funding purposes.
Do we need workers’ compensation if we only use volunteers?
Workers’ compensation laws vary by state. Some may require coverage for volunteers; consult a licensed agent to ensure compliance.
Still have questions? Talk to a local insurance expert.