Human Services Insurance
If you run or own a company that specializes in human service such as the list below, thank you. You’re one of the people who so many others in need rely upon to provide them with basic services, kindness or friendship. Even so, you can’t be too certain that a claim can derail your efforts. At Heaton Bennett Insurance we can help you find the right insurance coverage to cover your non-profit or human services business. We offer great insurance protection for:
- Adult Daycare
- AODA Out-Patient Rehabilitation
- Autism Services
- Boys & Girls Clubs
- Commercial Child Care Centers
- Dogs for the Blind
- Domestic Abuse Shelter or Counseling
- Food Pantry
- Head Start Program
- Homeless Shelters
- Intervention Programs
- Meals on Wheels
- Wellness Counseling
- Occupational Therapist
- Out-Patient Counseling for Convicts
- Nonprofit Behavioral Health Centers
- Respite Care
- Services for the Hearing Impaired
- Nonprofit Speech Pathologist
- Suicide Helpline
- Tutoring/Education Programs
- Youth Activity/Recreation Groups
We can tailor a policy that fits your business. Some of the coverage option include:
- Human Services Liability WRAP
- Umbrella (up to $10 million)
- Office WRAP for facilities and equipment
- Workers’ Compensation (most classes)
- Abuse and Molestation (including legal defense costs)
- Abduction Expenses
- Professional Liability (separate limits from the General Liability limits)
- Directors and Officers Liability (federally filed nonprofits)
- Commercial Auto Insurance
- Commercial Property Insurance
- & more!
Call our agency today to get started on a policy for your human services or non-profit.
Frequently Asked Questions
What types of nonprofit organizations can obtain human services insurance?
Insurance programs may be available for organizations providing community outreach, housing assistance, counseling, education, rehabilitation, and other social services. Eligibility depends on the organization’s activities, clients, staffing, and facilities.
Can insurance cover employees and volunteers?
Coverage for employees, volunteers, temporary workers, and independent contractors varies by policy. Texas nonprofits should accurately report each person’s role and review who qualifies as an insured.
Does human services insurance address professional services?
Professional liability coverage may be available for certain claims involving counseling, case management, supervision, referrals, or other professional services. Covered services should be clearly identified in the policy.
Can nonprofits obtain coverage for allegations of abuse or misconduct?
Specialized coverage may be available for certain claims involving alleged abuse or misconduct. Eligibility, screening standards, reporting procedures, exclusions, and limits should be carefully reviewed.
Are fundraising events and off-site programs covered?
Coverage for fundraisers, community events, transportation, and off-site services depends on the policy. Organizations should discuss planned activities and contractual requirements with their insurance agent.