Coverage Highlights and Advantages
- Comprehensive package options that combine professional liability with general liability
- Optional coverages for employee benefits liability and directors & officers (D&O) liability
- Sexual abuse and molestation coverage available — a critical component for many social services providers
- Property, crime/fidelity, commercial auto, umbrella, and workers’ compensation available through the program
- Underwritten with capacity from AIG, a financially strong carrier with deep experience in the human services sector
Ideal Accounts and Appetite
Smith Bell & Thompson partners with agents who represent licensed or accredited non-profit social service organizations. The program prefers accounts with structured operations, documented policies, and staff training programs. Typical fits include:
- Outpatient clinics providing behavioral or mental health services
- Community counseling centers that serve at-risk populations
- Adult day care programs with organized activities and trained staff
- Non-profits with active risk management, background checks, and ongoing staff supervision
Generally unsuitable accounts include facilities that provide inpatient medical services or operations with significant unresolved loss history. However, each submission is evaluated individually.
Underwriting Notes and Premiums
This program is placed on a non-admitted basis through AIG, allowing flexible terms and tailored solutions. Quotes are risk-based and take into account exposures, services provided, and the insured’s risk management practices. For streamlined underwriting, agents should be prepared to submit a completed application, five years of loss runs, and copies of relevant licenses, certifications, or accreditations.
Territories and Availability
The Social Services Insurance Program is available in all 50 states and the District of Columbia, including major markets such as California, Texas, Florida, and New York. Broad geographic availability helps you place multi-state and regional non-profit risks with confidence.
Why Work With Smith Bell & Thompson, Inc.?
Smith Bell & Thompson combines program administration expertise with direct access to AIG capacity, delivering underwriters who understand the unique exposures of social services providers. Agents can expect responsive underwriting, customized packages, and a willingness to consider a variety of non-profit structures. Whether you are placing a small community counseling center or a larger regional rehabilitation program, SBT focuses on long-term broker relationships and service-oriented account handling.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Non-profit organizations that provide behavioral health, rehabilitation, counseling, or adult day care services are ideal—examples include outpatient clinics, community service providers, and crisis centers.
Is this program available in all states?
Yes. The program is available in all 50 states and the District of Columbia.
What coverages are included in the Social Services Program?
Available coverages include professional and general liability, sexual abuse/molestation, employee benefits liability, property, crime/fidelity, commercial auto, umbrella, directors & officers liability, and workers’ compensation.
Who underwrites this program?
The program is written on a non-admitted basis with capacity provided by AIG, a carrier experienced in social services risks.
What information should I include with a submission?
Provide a completed application, five years of loss runs, and any applicable licensing or accreditation documents to help expedite the underwriting review.
Need help placing an account? Connect with a market specialist.