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...p homes, day programs, sheltered workshops, and similar providers. Ideal Ac...s, including group homes, sheltered workshops, day treatment centers, and outp...

...ot limited to): Sheltered workshops Drug & alcohol rehabilitati...ocational rehab services, sheltered workshops, and similar social service agen...

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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.

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Social services industry workers compensation insurance can be one of the most challenging types of coverage to place in the standard market. Don R. Jensen & Company specializes in helping agents and brokers secure coverage for hard-to-place accounts in the social services sector, offering solutions starting at $10,000 in premium. Ideal Accounts and Appetite This program is designed for a wide range of social service organizations that typically face higher exposure risks and may not qualify for standard carriers. A sample of eligible classes includes: Substance Abuse Counseling Vocational Rehabilitation Centers Day Care Centers Crisis Centers Community Shelters Whether you're working with a non-profit crisis center or a residential addiction treatment facility, this program offers flexible solutions for complex underwriting risks. Coverage Highlights and Advantages Don R. Jensen & Company has access to a variety of carriers, allowing for customized workers' compensation solutions tailored to your client’s operations. Coverage is available on an admitted or non-admitted basis depending on the state and risk profile. This program helps your clients address employee injury risks, manage claims efficiently, and stay compliant with state requirements. Underwriting Requirements and Minimum Premiums To submit an account for consideration, please include the following: Completed Acord Application 3 Years of Currently Valued Loss Runs Experience Mod Worksheet Submissions can be sent to [email protected]. The minimum premium for this program is $10,000. Territories and Availability This workers compensation program is available in most U.S. states, including but not limited to California, Texas, Florida, Illinois, New York, and Pennsylvania. Please contact Don R. Jensen & Company for state-specific availability and appetite. Why Work With Don R. Jensen & Company As a wholesale broker with deep experience in the social services sector, Don R. Jensen & Company understands the unique risks and operational challenges these organizations face. With access to multiple markets and a commitment to responsive service, we help agents and brokers find competitive workers compensation solutions for their most difficult accounts. For more information about Don R. Jensen & Company and our workers compensation solutions for the social services industry, visit www.drjco.com. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for social service organizations such as substance abuse counselors, crisis centers, vocational rehab facilities, shelters, and day care centers. What is the minimum premium for coverage?The minimum premium for this program starts at $10,000. Accounts must meet this threshold to be considered. What submission materials are required?Submissions must include a completed Acord application, 3 years of currently valued loss runs, and an experience mod worksheet. Is this program available nationwide?The program is available in most U.S. states. Contact Don R. Jensen & Company to confirm availability in your client's state. What carriers are used for this program?Carrier selection varies based on the risk profile and location. Coverage may be placed with admitted or non-admitted markets as appropriate. Need help placing an account? Connect with a market specialist.