Tangram's Social Service Workers' Compensation Insurance program is designed specifically for social service organizations. As a managing general agency with broad authority and deep underwriting experience, Tangram provides solutions that reflect the unique exposures and operating realities of human services providers.
Our underwriters have decades of experience in this niche, allowing us to place a wide range of accounts—from small community nonprofits to large multi-state organizations—while delivering competitive pricing, strong carrier relationships, and integrated loss control services.
Ideal Accounts and Appetite:
- Alcohol & Drug Treatment Centers
- Group Homes
- Congregate Living Facilities
- Recreational or Educational Camps
- Boys & Girls Clubs
- YMCAs / YWCAs
- Community Action Agencies
- Day Care Centers
- Residential Care Facilities for Children and Developmentally Disabled
- Family Counseling Centers
- Head Start Programs
- Outpatient Clinics
- Vocational / Adult Schools
- Soup Kitchens and Food Banks
Coverage Highlights and Program Advantages:
- Workers’ compensation coverage through an AM Best rated A IV carrier
- Built-in loss control and risk management services to help reduce claims
- Professional claims handling experienced with social service operations
- Direct bill options with flexible installment plans
- No broker fees
Underwriting Notes and Minimum Premiums:
Minimum premiums vary by class code and operation size. Tangram reviews each submission based on services provided, staff counts, prior loss history, and existing safety programs. Our underwriters work closely with brokers to streamline the submission and binding process.
Territories and Availability:
This program is available in the following states: Arizona, California, Illinois, Indiana, Iowa, Kansas, Massachusetts, Minnesota, Missouri, Nevada, New Jersey, Oregon, Pennsylvania, and Texas. Coverage is written on an admitted basis in all available states.
Why Work With Tangram:
Tangram Insurance Services is a program manager with authority to underwrite and bind business for top-rated carriers in specialized markets. We focus on programs that are not broadly available in the standard marketplace, giving appointed brokers a competitive placement option. You’ll benefit from our niche expertise, responsive service, and long-term broker relationships.
You might have a client operating a residential care facility for adults with developmental disabilities or a regional Boys & Girls Club with multiple sites—this program was built to serve those needs and similar social service operations.
For submissions or more information, please contact us at [email protected].
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is best for nonprofit and social service organizations such as group homes, substance abuse treatment centers, youth programs, and community outreach facilities.
Is the program available on an admitted basis?
Yes. The program is admitted in all 14 states where it is currently offered.
Are there any broker fees involved?
No. Tangram does not charge broker fees for this workers’ compensation program.
How is pricing determined?
Premiums depend on class code, the size of the organization, and loss history. Tangram provides competitive pricing and offers installment billing options where available.
What services are included with the policy?
In addition to workers' compensation coverage, the program includes risk management and loss control services tailored to the human services sector.
Need help placing an account? Connect with a market specialist.