Overview — Keating Social Services Workers' Compensation Insurance
Keating offers a workers' compensation program specifically for social services organizations. This program is designed for agents who need admitted workers' comp capacity and underwriting expertise for charities, group homes, shelters, community services and related operations. Keating places social services of many sizes and risk profiles through several carrier markets, delivering targeted underwriting and service tailored to the sector.
Eligible classes
Eligible Classes:
Group homes
Charities
Churches
Clinics
Community services
Schools
Shelters
Workshops
Ideal accounts and appetite
- Small-to-midsize nonprofit and for-profit social service providers, including group homes and day programs.
- Religious organizations and community clinics with employee exposures requiring admitted workers' comp.
- Residential and shelter operations with routine client contact and staff who provide personal care, supervision or light medical support.
- Accounts with controllable loss histories and standard safety controls; good-fit accounts generally have predictable payrolls and documented hiring/training practices.
Coverage highlights and advantages
- Admitted workers' compensation placements with markets experienced in social service exposures.
- Multiple carrier options — Keating works with several insurers to match appetite and pricing to each account.
- Underwriting that understands the operations and exposures unique to group homes, shelters, clinics and community programs.
- Claims and loss-control focus: carriers in the program typically emphasize proactive loss mitigation and timely claims service.
Underwriting notes and minimum premiums
Keating underwriters evaluate payroll, staff-to-client ratios, staff training programs, background checks, facility safety, and prior loss experience when quoting. Smaller accounts and first-time buyers are routinely considered; larger or higher-exposure accounts may require additional documentation such as detailed loss runs, safety plans, and written procedures.
Minimum premium: $2,000. Exact appetite and terms vary by carrier and state — submit complete information to receive accurate pricing and terms.
Territories and availability
This program has admitted capacity across the available territories listed below. Availability and specific carriers vary by state and by account characteristics.
AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC
Why place this business with Keating
- Specialized focus on social services workers' comp, so your submissions are reviewed by underwriters familiar with common exposures and controls for the sector.
- Access to multiple admitted carriers helps secure competitive terms for a range of account sizes.
- Responsive service for quote requests, endorsements and renewals — designed for brokers who need pragmatic solutions and timely decisions.
Example account scenarios
- You have a 20-bed group home with long-tenured staff, formal training programs and a clean loss history — this program can provide admitted workers' comp capacity with loss-control support.
- A small community clinic with a mix of paid staff and volunteers needs an admitted workers' comp policy and flexible payroll reporting — Keating’s markets can often accommodate that structure.
Contact Keating for submissions, carrier details and state-specific appetite. Provide payroll breakdowns, detailed loss runs and descriptions of staffing and safety programs for the fastest response.
Frequently Asked Questions
What types of social service accounts does Keating prefer?
Keating prefers group homes, shelters, community service providers, clinics, churches and schools with documented safety and training programs. Accounts with controllable exposures and transparent loss histories are the best fit.
Is coverage available on an admitted basis?
Yes — Keating places admitted workers' compensation through several carrier markets. Availability and exact carrier selection depend on the state and specifics of the account.
What information should I include with a submission?
Include payroll by class, five years of loss runs (if available), a description of operations and safety/training procedures, and any licenses or certifications. More detail speeds underwriting and pricing.
Are there minimum premiums or size limits?
The program typically applies a minimum premium of $2,000. Large accounts or those with higher exposures may require additional underwriting requirements or alternative placement strategies.
Need help placing an account? Connect with a market specialist.