Overview of the Program From Demetriou General Agency
This program is built for independent agents and brokers placing nonprofit social service accounts. With one application and one policy you can secure broad protection that commonly includes:
- General Liability
- Property Coverage
- Social Services Professional Liability
- Directors & Officers (D&O)
- Employment Practices Liability Insurance (EPLI)
The package is designed to address the mix of premises, professional, and management exposures typical to social service nonprofits — from small community groups to multi-service organizations.
Ideal Accounts and Appetite
Demetriou’s Social Services Insurance program targets a wide range of nonprofit classes, including but not limited to:
- Abused adult shelters
- Animal shelters and rescue groups
- Big Brother / Big Sister mentoring programs
- Botanical gardens and community gardens
- Caregiver and home-visiting services
- Counseling and referral agencies
- Food banks, soup kitchens, and meal programs
- Group homes for individuals with mild disabilities
- Senior activity centers
- Thrift stores and transitional housing programs
- Vocational sheltered workshops
- Youth and community centers
Typical fits are nonprofits that provide direct services to vulnerable populations, operate public programs or events, run retail-style thrift operations, or offer supervised residential services. Accounts with complex clinical exposures, large congregate care operations, or high-risk behavior programs should be discussed with underwriting prior to submission.
Coverage Highlights and Advantages
Key benefits of placing Social Services Insurance with Demetriou General Agency include:
- Single application and centralized underwriting to speed turnaround
- Multiple lines placed through a single carrier to avoid coverage gaps
- Policy language and limits tailored to nonprofit operations and social services risks
- Optional D&O and EPLI components to protect boards, executives, and staff
This bundled solution reduces administrative burden for both you and your insured while providing coordinated limits and consistent terms across exposures.
Underwriting Notes and Minimum Premiums
Minimum premiums and final terms vary by the size, scope, and services of the insured. Demetriou provides underwriting flexibility to accommodate a broad range of nonprofit operations. Common submission items include a completed application, recent loss history (if any), a description of programs and client populations served, and financial or operational documents for higher-limit accounts.
Territories and Availability
The program is available in Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. Coverage is offered on an admitted basis where applicable.
Why Work With Demetriou General Agency?
As a specialty Managing General Agency, Demetriou Group brings focused expertise in placing coverage for nonprofit and social service organizations. Their underwriters understand the regulatory, operational, and liability challenges these groups face and offer responsive service to help you close business efficiently. Because the program bundles multiple lines with one carrier, you can present clients with a unified solution that is easier to manage at renewal.
Example scenarios that fit well:
- You represent a regional food pantry that also operates a thrift store and a small job-training program — this package can consolidate GL, property, and professional liability coverages into one policy.
- A volunteer-run animal rescue with occasional adoption events needs general liability, property, and volunteer protection; the program provides coordinated limits and volunteer liability considerations.
For Social Services Insurance placement assistance, submit a completed application and program details to Demetriou General Agency.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Nonprofit organizations such as shelters, food banks, group homes, counseling centers, and community outreach programs are well suited to this package.
What coverages are included in the all-in-one package?
The package commonly includes General Liability, Property, Social Services Professional Liability, Directors & Officers, and Employment Practices Liability.
Is this program available on an admitted basis?
Yes — coverage is offered on an admitted basis in applicable states within the program territory.
Which states is this program available in?
This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.
How do I submit an account for underwriting?
Submit a completed application along with relevant organizational details and any loss runs to Demetriou General Agency for review and quoting.
Need help placing an account? Connect with a market specialist.