Tangram's Social Service Workers' Compensation Insurance program is tailored specifically for the needs of social service organizations. As a managing general agency with extensive authority and deep underwriting expertise, Tangram offers a solution that recognizes the unique exposures and operational realities of human service providers.
Our underwriters bring decades of experience in the social services niche, allowing us to handle a broad spectrum of accounts with confidence. Whether you're placing a small community nonprofit or a large multi-state organization, we deliver competitive pricing backed by strong carrier partnerships and built-in 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 focused on 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 size of the operation. Tangram evaluates each submission based on the nature of the services provided, staff count, prior loss history, and safety programs in place. Our team works closely with brokers to ensure a smooth and efficient underwriting 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 trusted program manager with authority to underwrite and bind business on behalf of top-rated carriers in specialized markets. We focus on programs that are not broadly available, giving our appointed brokers a unique edge in competitive placements. You’ll benefit from our niche expertise, responsive service, and commitment to long-term broker relationships.
You might have a client operating a residential care facility for developmentally disabled adults or a regional Boys & Girls Club with multiple locations—this program was built to serve those needs and more.
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 ideal 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 vary by class code, size of the organization, and loss history. Tangram offers competitive pricing with access to installment billing options.
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.