Ideal Accounts and Appetite
This program is built for a broad range of social service providers, including:
- Adoption agencies and foster care programs
- Group homes and residential facilities (youth, adults, elderly)
- Home healthcare, hospice, and visiting nurse services
- Mental health homes and rehabilitation centers (drug & alcohol)
- Private and charter schools (including schools for the deaf and blind)
- Nursing homes and long-term care facilities
- Shelters and therapy programs (wilderness, physical, and speech therapy)
Whether you represent a small single-site residential program or a multi-state behavioral health agency, U.S. Risk can help place accounts with complex staffing models, volunteer involvement, regulatory oversight, and client interaction exposures.
Example scenarios that often fit the program: a residential treatment facility that relies on volunteers and part-time clinicians, or a hospice provider that needs liability and property protection across several locations while managing professional exposures for visiting nurses.
Coverage Highlights and Advantages
U.S. Risk’s social services program combines broad insurance features tailored to the industry’s needs. Key elements include:
- Package options: General Liability, Property, Crime, Inland Marine, Umbrella, and Employers Non-Owned Auto
- Flat premiums and non-auditable billing where applicable, simplifying placements and renewals
- Coverage extended to employees, directors, officers, trustees, volunteers, and students while acting on behalf of the organization
- Commercial General Liability form that includes:
- Bodily injury and property damage
- Personal injury
- Employee benefits liability
- Products and completed operations
- Broad definitions for terms important to social services accounts, including "Professional Incident," "Territory," "Named Insured," and "Contractual Liability"
- Optional coverage for physical abuse and sexual misconduct, available subject to underwriting review
- Claims-made policy form for professional and liability exposures
This structure helps you deliver well-rounded protection for insureds facing operational risks, regulatory scrutiny, and high-contact client services.
Underwriting Notes and Minimum Premiums
U.S. Risk offers flexible underwriting across most social service classes. Appetite and minimum premiums vary by risk profile and state, but the program’s flat-premium, non-auditable options can simplify placement and billing. Underwriters are available to evaluate unique exposure scenarios, multi-site structures, and optional coverages such as abuse/sexual misconduct limits.
Territories and Availability
This program is available in most states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Coverage can be placed through multiple carriers; U.S. Risk works with both admitted and non-admitted markets depending on class and jurisdiction to secure the best fit for your client.
Why Work With U.S. Risk Insurance Group
U.S. Risk brings niche industry knowledge, hands-on underwriting, and in-house claims and risk management resources. Agents benefit from fast turnaround, direct access to underwriting, and tailored solutions for hard-to-place social services accounts. Partnering with U.S. Risk gives you market breadth (admitted and non-admitted) plus service that helps keep placements smooth from submission through claims handling.