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...es of group homes, day programs, sheltered workshops, and similar providers. ...individuals, including group homes, sheltered workshops, day treatment centers, and outp...

...ing (but not limited to): Sheltered workshops Drug & alcohol re...ilities, vocational rehab services, sheltered workshops, and similar social service agen...

Irwin Siegel Agency offers a specialized package insurance program for Human and Social Service Provider Organizations. Built from decades of experience placing nonprofit and community-based accounts, this program combines flexible underwriting, industry-specific coverages, and value-added risk management to protect operations that serve vulnerable populations. Use this program when you need broad, targeted protection with carrier stability from Berkshire Hathaway Specialty Insurance. This program is available in all U.S. states on an admitted basis and supports a wide range of service models — from residential group homes to community outreach and workforce training. Irwin Siegel Agency underwrites based on the services provided, site-level controls, and demonstrated risk management, and offers tailored solutions for both small local providers and larger multi-site nonprofits. Ideal Accounts and Eligible Classes The program is designed for nonprofit and mission-driven organizations, including: Adult day care centers Domestic violence and emergency shelters Group homes and transitional housing Homeless shelters with support services Job counseling, training, and placement centers Senior centers and activity programs Multi-service outreach organizations Vocational rehabilitation agencies Residential services for individuals with AIDS Self-help and work experience programs Typical fits are organizations that provide temporary shelter, supervised residential services, social casework, or workforce training. Accounts with controlled medication administration, robust volunteer programs, or licensed residential operations are welcome with appropriate controls in place. Coverage Highlights Package coverage includes: Abuse and molestation General liability Professional liability Property coverage Crime Inland marine Business auto Umbrella liability Available enhancements & supplements: Commercial pollution liability Volunteer accident coverage HIPAA Protector Youth accident coverage Directors & Officers / Employment Practices Liability Cyber & privacy liability Enhanced property form Special events coverage Underwriting, Appetite and Example Scenarios Irwin Siegel Agency focuses on organizations with defined programs, formal policies, background screening for staff/volunteers, and documented safety procedures. Minimum premium varies by account size and complexity; Irwin Siegel will quote based on services provided, annual revenues, payroll, and loss history. Example 1 — A regional senior activity center seeking package limits that include general, professional and abuse liability, plus volunteer accident coverage for site volunteers. Example 2 — A small group-home network with medication administration and 24/7 staffing that needs property, business auto, and umbrella limits coordinated across multiple locations. Accounts with active residential care, substance abuse treatment, or programs that involve unsupervised minors will be reviewed for specific controls; specialized exposures may require supplemental underwriting or endorsements. Program Availability This program is placed on an admitted basis in all 50 states and the District of Columbia. Irwin Siegel’s national underwriting capacity makes the program a practical option for clients operating in urban, suburban, and rural locations across the U.S. Why Place This Business With Irwin Siegel Agency? As a Managing General Agency with a long record in human and social services, Irwin Siegel provides: Access to Berkshire Hathaway Specialty Insurance capacity Underwriting tailored to nonprofit and social service operations Value-added risk management and loss control services at no extra cost National admitted placements and flexible endorsements for specialty exposures A partnership approach that helps agents place challenging or mission-driven accounts For more information or to submit an account, call 800.622.8272 or visit the program page: http://www.siegelagency.com/insurance-programs/social-service/. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for nonprofit and community-based organizations, including group homes, shelters, senior centers, job training programs, and outreach services. Is this program available in all states?Yes. The program is available on an admitted basis in all 50 states and the District of Columbia. Which carrier underwrites this program?The program is underwritten by Berkshire Hathaway Specialty Insurance. Are risk management services included?Yes. Value-added risk management and loss control services are included at no additional cost to help clients reduce claims and improve safety. What is the minimum premium for this program?Minimum premium varies by the type and size of the organization. Contact Irwin Siegel Agency for specific underwriting guidelines. Need help placing an account? Connect with a market specialist.

...munity services Schools Shelters Workshops Ideal accounts and appetite Sma...

... housing programs Vocational sheltered workshops Youth and community centers Ty...

...sabled clients (group homes, day workshops, respite) Homeless services (sh...

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.

...hurches and counseling services, sheltered workshops, and a range of medical staffing an...