Charity First’s Social Service Agencies Insurance program is designed for nonprofits that deliver community services, direct client care, and outreach programs. The program is positioned for agents who need admitted and reliable coverage options backed by strong carriers, plus practical risk-management support tailored to nonprofit operations.
Ideal Accounts and Appetite
- Small to mid-size social service agencies, community outreach programs, food banks, food pantries, and thrift stores operated by nonprofits
- Programs providing case management, counseling, job training, or client transportation (limited exposure)
- Volunteer-driven organizations and community-based programs with formal risk-management practices
Less likely to fit: high-liability clinical operations (medical clinics with licensed procedures), large residential facilities with intensive behavioral health services, or organizations with recurring severe claims history. For these accounts, underwriting review is more restrictive.
Coverage Highlights and Advantages
- General Liability and Directors & Officers liability options tailored for nonprofit management exposures
- Property coverage for owned and leased locations, with endorsements designed for donated goods and volunteer property
- Abuse and Molestation options available in many cases for organizations that handle children or vulnerable adults
- Professional Liability for counseling, casework, and program services (where eligible)
- Nonprofit-focused policy language and limits; access to A.M. Best "A" carriers through Charity First’s program relationships
Underwriting Notes and Minimum Premiums
Underwriting emphasizes clear nonprofit governance, volunteer screening, training programs, and written policies for client interactions and transportation. Charity First typically requests loss runs, a description of programs and client populations, volunteer counts, and any third-party contracts. Minimum premium varies by carrier and state; please reference "Minimum Premium: Varies" and submit details for accurate indication.
Example Accounts That Fit
You might have a client who runs a community food pantry with a small paid staff and 50 volunteers — this program can provide packaged property and liability coverage with volunteer accident options. Or, you may place a nonprofit that offers case management and limited transportation for clients — Professional Liability and General Liability forms can be combined to protect the organization and its board.
Territories and Availability
Available in most states. Charity First’s Social Service Agencies Insurance program is offered in: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Admitted carrier availability varies by state and program; submit to confirm options in your jurisdiction.
Why Work With Charity First
Charity First is a general agency focused on nonprofits. Agents gain access to experienced underwriters who understand nonprofit exposures, specialized policy forms, A-rated markets, and complimentary risk-management materials you can share with clients. The program is oriented to help you place routine and moderately complex social service agency accounts efficiently while preserving the nonprofit’s mission through appropriate insurance solutions.
What types of social service accounts are a good fit for this program?
Small to mid-size nonprofits that operate food pantries, thrift stores, community outreach, case management, or limited client transportation are strong fits. Organizations with formal volunteer policies, basic screening and training, and limited clinical exposure are ideal.
Which coverages are included or available through Charity First?
The program offers General Liability, Property, Directors & Officers liability, Professional Liability where eligible, and abuse/molestation options in many cases. Specific coverages and limits depend on carrier appetite and state availability.
How do I submit an account and what does underwriting typically request?
Submit a completed application with a program description, estimated payroll and volunteer hours, loss runs, and copies of key policies (volunteer screening, transportation, client supervision). Underwriters commonly ask about client populations, supervision levels, and any third-party contracts.
Where is this program available and are the policies admitted?
Charity First’s Social Service Agencies Insurance is available in most states (see the Territories section above). Admitted carrier options vary by state; Charity First can advise whether admitted or non-admitted placements are available for a specific account.