Insurance for social and human service organizations is evolving and becoming more critical. USLI has options for nonprofits supporting individuals with a variety of needs.
Top Classes:
- Youth-focused organizations (after-school programs, STEM, mentoring, tutoring, community centers, education camps); our bind-to-quote ratio for this class is 40%
- Counseling with the addition of support groups and referral organizations; our bind-to-quote ratio for this class is 38%
- Non-coed residential services (homeless shelters, abused adult shelters and transitional homes) with 30 beds or less; our bind-to-quote ratio for this class is 33%
Here are a few more classes we target:
- Group homes for adults
- Vocational training programs
- Companion and caregiver services
These organizations, and the broader group of social and human services, need comprehensive insurance coverage. Many receive grants or enter into contracts, which require coverages beyond general liability, such as abuse and molestation as well as errors and omissions. We can provide this comprehensive coverage under our Social Services product and include separate towers of coverage for each, as well as special events, hired and non-owned auto, directors and officers, employment practices liability, property and more.
What Does Social Service Mean?
Social service is a very broad term that can be used to describe a multitude of classes. In a nutshell, social service programs help people in need, such as those experiencing poverty, addiction, mental illness or homelessness. As times change, the focus of these groups can also change, resulting in updates to services offered. We’ve recently noticed a strong focus on concerns such as diversity and inclusion, LGBTQ support, homeschool support and homelessness.
There are approximately 358,000 nonprofit organizations throughout the U.S. that fall under categories we can consider, and we have 200 classes under this diverse product.
- Transitional housing
- Community centers
- Counseling and referral programs
- Food banks
- Soup kitchens
- Senior activity centers
- Thrift stores
- Youth mentoring
