Ideal Accounts and Appetite
This program is designed for a wide range of social service providers, including but not limited to:
- Adoption Agencies and Foster Care Programs
- Group Homes and Residential Facilities (youth, adults, elderly)
- Home Healthcare, Hospice, and Visiting Nurse Services
- Mental Health Homes and Rehabilitation Centers (Drug & Alcohol)
- Private and Chartered Schools (e.g., for the deaf and blind)
- Nursing Homes and Long-Term Care Facilities
- Shelters and Therapy Services (including wilderness, physical, and speech therapy)
Whether your client operates a small residential facility or a multi-site behavioral health agency, we can help you find the right coverage structure to protect their people, property, and operations.
Coverage Highlights and Advantages
Our social services insurance program offers broad coverage tailored to the industry’s specialized needs. Key features include:
- General Liability, Property, Crime, Inland Marine, Umbrella, and Employers Non-Owned Auto
- Flat premiums not subject to audit
- Coverage for employees, directors, officers, trustees, volunteers, and students while acting on behalf of the agency
- Commercial General Liability form includes:
- Bodily Injury/Property Damage
- Personal Injury
- Employee Benefits Liability
- Products and Completed Operations
- Broad definitions of "Professional Incident," "Territory," "Named Insured," and "Contractual Liability"
- Optional coverage for Physical Abuse and Sexual Misconduct
- Claims-made policy form
This structure allows agents to provide well-rounded protection for insureds with complex operational risks and regulatory requirements.
Underwriting Notes and Minimum Premiums
We offer flexible underwriting across most social service classes. While minimum premium requirements may vary by risk and state, flat premiums and non-auditable policies can simplify placement and billing processes. Our underwriting team is available to help you evaluate unique risks or custom program structures.
Territories and Availability
This program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
We offer coverage through multiple carriers, with access to both admitted and non-admitted markets depending on the class and location of the risk.
Why Work With U.S. Risk Insurance Group
U.S. Risk is known for its deep industry knowledge, responsive service, and ability to craft solutions for niche markets. Our in-house team ensures fast turnaround, reliable communication, and proactive claims and risk management support. Partnering with us means you can confidently place social services accounts, knowing your clients will receive the specialized attention and protection they need.