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America's Internet Brokers, Inc.
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America's Internet Brokers, Inc.
Contact Us
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Social Services

America's Internet Brokers, Inc. offers a comprehensive Social Services insurance program designed to address the unique risks faced by both for-profit and non-profit human services organizations. This flexible program is ideal for agents and brokers seeking a single-source solution for clients operating in the human and social services sectors.

Overview of the Program From America's Internet Brokers, Inc.

Our Social Services program includes a wide array of coverage options tailored to meet the complex needs of organizations serving vulnerable populations. When Professional Liability coverage is written, we can also provide General Liability, Employee Benefits Liability, Abuse & Molestation coverage (with sub-limits), Directors & Officers (D&O), Property, Crime & Fidelity, and Umbrella coverage.

Ideal Accounts and Appetite

This program is built for a diverse range of human services organizations, including:
  • Adoption and Foster Care agencies, including those offering counseling and placement services
  • Programs serving the developmentally disabled, homeless, or elderly
  • Group Homes, Day Workshops, Homeless Shelters, Senior Day Care facilities, and Community Centers
  • Organizations providing services to at-risk youth or individuals struggling with substance abuse
If you have clients operating in these sectors, this program offers the flexibility and protection they need.

Coverage Highlights and Advantages

Our program is structured to provide agents with a complete package of coverages tailored to the exposures commonly faced by social service providers. Highlights include:
  • Abuse & Molestation coverage with applicable sub-limits
  • Multi-line capabilities including Property, General Liability, and Umbrella
  • Optional Employee Benefits Liability and Crime & Fidelity coverages
  • Access to top-rated carriers, including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich
This breadth of coverage enables you to offer well-rounded protection for your clients.

Underwriting Notes and Minimum Premiums

Professional Liability must be included in the submission to gain access to the full suite of coverages. Underwriting is handled with a focus on the specialized nature of human and social services, and our team is experienced in assessing complex risk profiles. Minimum premium information is available upon request, based on account size and risk characteristics.

Territories and Availability

This program is available on a non-admitted basis in the following states: AZ, CA, CO, CT, FL, GA, ID, IL, IN, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV, and WI. If your client operates in one or more of these states, we are well-equipped to assist.

Why Work With America's Internet Brokers, Inc.?

With a focus on niche markets and hard-to-place risks, America's Internet Brokers, Inc. brings deep expertise and valuable carrier relationships to the table. We understand the sensitivity and complexity of insuring human services providers and are committed to helping agents place quality business in this space quickly and efficiently. Whether your client is a small community center or a multi-location foster care agency, we can offer solutions that fit.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for adoption agencies, foster care providers, group homes, senior centers, homeless shelters, and organizations serving youth or individuals with disabilities or substance abuse issues.

Is Professional Liability required to access other coverages?

Yes, writing Professional Liability coverage is a prerequisite for adding other lines such as General Liability, Property, and Umbrella.

What carriers are used in this program?

We work with top-rated carriers including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich.

Is this program admitted or non-admitted?

This program is written on a non-admitted basis in the states where it is available.

Which states is this program available in?

The program is available in over 35 states, including CA, TX, NY, FL, IL, and others. Contact us for a complete list.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    0
  • Admitted:
    0
  • Carriers:
  • Carrier Ratings:
    A.M. Best A rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

There are no locations attached to this storefront.

APPLICATIONS

  • Application
    Please complete application and fax to Mickey Romeo at 631-853-9850.

AGENCY LICENSING

Copy of brokers license, Broker Agreement, and E&O of not less than $1 million limits. Also, three years loss runs, and in some cases up to five years.
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America's Internet Brokers, Inc. has other insurance programs like Coastal, Flood Zone & High Value Homes.