Overview of the Program From Demetriou General Agency
This program is tailored for independent agents and brokers placing business with nonprofit social service organizations. With one application and one policy, your clients can access broad protection that includes:
- General Liability
- Property Coverage
- Social Services Professional Liability
- Directors & Officers (D&O)
- Employment Practices Liability Insurance (EPLI)
Whether you're working with a small local shelter or a multi-service community nonprofit, this package is built to address the unique risks they face.
Ideal Accounts and Appetite
Demetriou’s Social Services Insurance program is suitable for a wide range of nonprofit organizations, including:
- Abused Adult Shelters
- Animal Shelters and Rescue Groups
- Big Brother / Big Sister Programs
- Botanical Gardens
- Caregiver Services
- Counseling and Referral Agencies
- Food Banks and Soup Kitchens
- Group Homes for the Mildly Handicapped
- Senior Activity Centers
- Thrift Stores and Transitional Housing Programs
- Vocational Sheltered Workshops
- Youth and Community Centers
If you have clients in the nonprofit sector who provide direct services to vulnerable populations, this program is an excellent fit. For example, a broker might be working with a regional food pantry that also operates a thrift store and offers job training—this package can address all of those exposures under one policy.
Coverage Highlights and Advantages
Key benefits of this program include:
- One-stop application and underwriting process
- Access to multiple lines of coverage through a single carrier
- Tailored protection for nonprofit operations and professional services
- Options for D&O and EPLI to protect leadership and staff
This bundled approach helps reduce administrative overhead for your clients and gives you a competitive edge by offering a simplified, yet comprehensive solution.
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the size, scope, and services offered by the insured organization. Demetriou General Agency provides underwriting flexibility to accommodate a wide range of nonprofit operations. Submissions should include a completed application and relevant organizational details.
Territories and Availability
This program is available in the following states: Connecticut, Maine, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, and Vermont. Coverage is offered on an admitted basis where applicable.
Why Work With Demetriou General Agency?
As a trusted Managing General Agency (MGA), Demetriou General Agency brings deep experience in placing coverage for nonprofit and social service organizations. Their team understands the regulatory, operational, and liability challenges these groups face and offers responsive service and underwriting expertise to help you close business efficiently.
For your Social Services Insurance needs, contact Demetriou General today!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for nonprofit organizations such as shelters, food banks, group homes, counseling centers, and community outreach programs.
What coverages are included in the all-in-one package?
The package includes General Liability, Property, Social Services Professional Liability, Directors & Officers, and Employment Practices Liability.
Is this program available on an admitted basis?
Yes, coverage is offered on an admitted basis in all available states where applicable.
Which states is this program available in?
This program is available in CT, ME, MA, NH, NJ, NY, PA, RI, and VT.
How do I submit an account for underwriting?
Submit a completed application along with relevant organizational details to Demetriou General Agency for review and quoting.
Need help placing an account? Connect with a market specialist.