Ideal Accounts and Appetite
The Social Service Organizations Insurance Program is ideal for nonprofits and community-based agencies that provide a wide range of services. Target classes include organizations involved in:
- Counseling and mental health support
- Youth mentoring and outreach programs
- In-home care and senior assistance
- Community workshops and education
- Government assistance referral services
If you work with clients who operate community resource centers, transitional housing programs, or provide services to underprivileged populations, this program is built to meet their unique risk needs.
Coverage Highlights and Advantages
The program offers broad protection tailored to the specific exposures faced by social service providers. Coverage options include:
- Property
- Buildings & Contents
- Replacement Cost
- Theft and Crime
- Equipment Breakdown Coverage
- EEP (Extended Expense Protection)
- Business Interruption
- Social Service Enhancement Endorsement
- Property Enhancement Endorsement
- General Liability
- Volunteer Accident Coverage
- Auto Liability, Physical Damage, Hired and Non-Owned Auto
- Umbrella Liability
- Directors & Officers Liability
These coverages are designed to protect both the physical assets and the professional responsibilities of your insureds, including their staff, volunteers, and board members.
Underwriting Notes and Minimum Premiums
This program is underwritten through various carriers and is available on an admitted basis in most states. Minimum premiums vary depending on the size and scope of the organization. NSM Insurance Group’s underwriting team brings deep industry knowledge and can assist you in evaluating submissions for eligibility and placement.
Territories and Availability
The Social Service Organizations Insurance Program is available in most states, including but not limited to CA, NY, TX, FL, IL, and PA. NSM Insurance Group offers broad geographic reach, making it easy for agents and brokers to place risks across the country.
Why Work With NSM Insurance Group
With decades of experience in social service risks, NSM Insurance Group delivers a specialized program backed by strong carrier relationships and responsive underwriting. Their CareProviders Insurance Services division is known for its expertise, customized solutions, and dedication to helping agents serve mission-driven clients. Whether you’re placing a small nonprofit or a multi-location organization, you’ll have access to flexible coverage options and knowledgeable support every step of the way.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for nonprofits and community-based organizations that provide counseling, youth outreach, senior services, and other social support programs.
Is this program available on an admitted basis?
Yes, the program is offered on an admitted basis in most states.
Does the program include coverage for volunteers?
Yes, Volunteer Accident coverage is included to help protect individuals donating their time and services.
Are auto coverages available for organizations that use owned or rented vehicles?
Yes, the program includes Auto Liability, Physical Damage, and coverage for Hired and Non-Owned Autos.
Can I submit risks from any state?
The program is available in most U.S. states. Contact the NSM underwriting team to confirm availability in your client's state.
Need help placing an account? Connect with a market specialist.