Human and Social Services Insurance

Human and Social Services involves multiple stakeholders and dependencies, resulting in unique risks. To protect your business, the following insurance policies are recommended:

Covers common risks such as customer property damage, personal injuries, and slip-and-fall accidents. This policy is essential for protecting your business from financial loss due to lawsuits or claims.

Combines general liability and property insurance into one cost-effective package. This policy is ideal for small businesses looking to save on insurance costs while getting comprehensive coverage.

Required in almost every state, this policy covers medical expenses and lost wages for employees who get injured on the job. It also protects sole proprietors from work-related injury costs that health insurance might not cover.

Covers property damage and injuries resulting from accidents involving your business vehicle. Each state has its own requirements for auto liability insurance, making this policy necessary for businesses with company vehicles.

Shields board members and officers from personal losses if they are sued for decisions made on behalf of the organization. This includes financial mismanagement or failure to adhere to regulatory standards.

Covers claims of negligence or errors, legal costs from professional negligence claims, and inaccurate appraisals. This insurance is crucial for professionals who provide advice or services.