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.