Caitlin-Morgan Insurance Services, Inc. offers a comprehensive Human Services Insurance program designed to support both for-profit and non-profit organizations that serve vulnerable populations. With access to both admitted and non-admitted markets, this program is flexible and customizable to meet a wide range of risk profiles in the human and social services sector.
Ideal Accounts and Appetite
Foster Care & Adoption Agencies
Group Homes and Vocational Workshops for the Developmentally Disabled
Substance Abuse Facilities including Detox, Halfway Houses, and Rehab Centers
Mental Health Services: Counseling, Residential Treatment, Community Outreach
Goodwill Stores and Similar Operations
Jewish Community Centers and Other Cultural Organizations
Rescue Missions and Homeless Shelters
Youth Organizations: Boys & Girls Clubs, Big Brother & Big Sister Programs
Schools for Special Needs: Blind, Autistic, and Head Start Programs
Adult & Child Daycare Facilities
Other qualifying human services organizations
Admitted and Non-Admitted products available for most classes
Coverage Highlights and Advantages
$1M/$3M limits available with both Occurrence and Claims-Made forms
Coverage up to $25M, including sexual abuse and molestation
$1M combined single limit for general liability
Property limits up to $40M per location, with higher limits available upon request
Umbrella options available on an occurrence or claims-made basis
Incident coverage up to $250K per event
Underwriting Notes
Caitlin-Morgan works closely with agents to evaluate exposures unique to human services risks, such as abuse allegations, transportation liabilities, and program-specific professional liability. Submissions should include a complete description of operations, loss history, and any accreditations or certifications held by the organization.
Territories and Availability
This program is available in most states, including 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, and WY.
Why Work With Caitlin-Morgan
As a leading wholesale broker with deep experience in the human services space, Caitlin-Morgan brings specialized underwriting knowledge and access to a wide range of markets. Whether you're placing a single residential facility or a multi-location nonprofit, Caitlin-Morgan can help you secure tailored coverage solutions that address your client’s unique exposures. Their team understands the operational risks in this sector and provides responsive service to help you close business efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this Human Services Insurance program?
This program is ideal for nonprofit and for-profit organizations such as foster care agencies, group homes, mental health centers, rehab facilities, and youth mentorship programs.
Are both admitted and non-admitted options available?
Yes, Caitlin-Morgan offers both admitted and non-admitted products for most human services classes, providing flexibility based on your client’s needs and risk profile.
Is sexual abuse and molestation coverage included?
Yes, limits up to $25 million are available, including coverage for sexual abuse, subject to underwriting and eligibility.
Which states is this program available in?
The program is available in most U.S. states, including CA, TX, NY, FL, IL, and many others. Contact Caitlin-Morgan for specific state eligibility.
What information is needed to get a quote?
Submissions should include a detailed description of operations, loss runs, and any relevant licenses, certifications, or accreditations.
Need help placing an account? Connect with a market specialist.