Insurance for Human Services Organizations

Helping human services organizations avoid the most common risks

Whatever your specific mission or the particular group you serve, your human services organization is dedicated to helping others. But your good work can expose you to a variety of risks, especially in our litigious society. In working with individuals that need assistance—whether physical, mental, or financial—your business and your staff often face regulatory challenges that make it difficult to balance compliance with compassion. Referring people to third-party providers can increase your liability risk. And the fact that some positions require technical training or certifications and involve a great deal of stress, but aren’t highly compensated, only increases the risk of claims.

B. F. Saul Insurance understands the exposures that human services organizations face in fulfilling their mission. We bring deep experience in helping organizations like yours identify and address those risks with the most effective insurance solutions. Whether you’re operating an outpatient or residential facility—serving youths, seniors, people with disabilities, or other protected classes—we can help protect your organization and your assets. 

Along with the basic coverages most human services organizations purchase, B. F. Saul brings extensive knowledge and expertise on risks that are especially relevant for organizations like yours, such as the following:

E&O/Professional

Your organization provides critical support and services to patients, but those services could open you up to accusations that you failed to serve or made errors in the process of serving patients. Third-party claims are often brought by family members who allege the organization did something or failed to do something that resulted in wrongful injury or death. When emotions about a loved one are involved, these claims can quickly escalate. It’s critical to secure E&O coverage that is appropriate for your services and the type of staff you employ, including case workers, nurses, psychologists, and even non-clinical providers like massage therapists.

B. F. Saul has deep expertise in the full spectrum of E&O coverages and can help your human services organization obtain a policy uniquely suited to your operations and activities. 

Workers’ Compensation

The nature of your organization’s work makes it more likely your employees could be injured on the job. Back injuries are common for workers who lift or maneuver people with injuries or disabilities. Assault and battery incidents frequently occur when human services organizations work with individuals who rely on others for physical or emotional care. And returning to work can be especially complicated when the claim involves conditions that prove slow to recover from.

Commercial Auto

Many human services organizations own and operate commercial vans and other vehicles to transport people in their care. Given the size of these vehicles and their unique features, like wheelchair ramps, your staff might find them more difficult to maneuver, especially in foul weather and when backing up. That’s why commercial auto claims are so common.

B. F. Saul Insurance is well-versed in commercial auto coverage and can help your human services organization obtain insurance that protects your fleet and your drivers.

Abuse/Molestation

If your organization works with youth, seniors, people with disabilities, those recovering from an injury or addiction, or other protected classes, your staff is at greater risk of an abuse or molestation claim. Many human services providers don’t realize that abuse/molestation coverage is essential for protecting the organization itself. If an employee is accused and found guilty of such claims, the right insurance will protect your organization in the event the victim or family member sues you for failing to take the proper precautions to prevent the incident. Simply ensuring this exposure isn’t excluded from your general liability policy isn’t enough. And the difference between an occurrence vs claims made policy can be significant.

B. F. Saul Insurance understands the nuances of abuse/molestation insurance and can help your organization navigate the complexities to secure the best coverage for your needs.

We’re also well-versed in many other human services insurance coverages, such as D&O (directors and officers), employment practices liability, cyber, commercial property, and general liability insurance.

Leading human services organizations trust B. F. Saul Insurance

When it comes to obtaining insurance for human services organizations, B. F. Saul is the right advisor to guide you. We recognize the importance of working with an insurance carrier that understands the human services sector, is experienced in providing coverage for your unique risks, and knows how to approach the claims process with sensitivity and compassion. The right carrier will even offer services like support from a nurse case manager, both for real-time help and loss prevention recommendations.

Our team has decades of experience working with those carriers, along with deep knowledge of the human services sector, how your business operates, and the jurisdiction-specific requirements you must meet. That makes us the ideal choice for identifying your risks and addressing them with the optimal human services insurance solution.