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Social Services Product – Non Profit Package

Product Advantages:

    All in One
  • Minimum Professional Liability Premiums STARTING AT $800.00 (plus appropriate fees and taxes)!
  • All-in-one package product provides Non-Profit Social Service organizations with the opportunity to purchase General Liability, Property, Social Service Professional, Directors & Officers and Employment Practices Liability all through one application, one policy and one carrier.
  • Separate limits for D&O and EPL claims
  • Unlimited Defense outside the limits
  • Lifetime Occurrence Reporting Provision for former Directors & Officers
  • Third party sexual harassment and third party discrimination coverage
  • Separate limits of liability for General Liability/Professional Liability (E&O)/Abuse & Molestation.
  • General Liability/Professional Liability (E&O)/Abuse & Molestation written on an Occurrence form
  • Contingent Professional Liability for specific medical professionals
  • Property written on Special Form
  • Special Events coverage available
  • Hired and Non Owned Auto Liability coverage available where allowed
  • Expanded definition of Bodily Injury to include Mental Anguish or Emotional Distress
  • Optional Value Plus Endorsement
  • Optional Equipment Breakdown – includes free boiler inspection if required in your jurisdiction
  • No General Liability deductibles
  • Admitted Product available in most states
  • Security of an A.M. Best Rated A++ Carrier
  • Quick quote turnaround

Eligible classes include, but are not limited to:

  • Abused Adult Shelters (Battered Women)
  • After School Tutoring
  • Animal Shelters/Rescue Groups
  • Anxiety Counseling
  • At Risk Youth Counseling
  • Big Brother/Big Sister Organizations
  • Botanical Gardens
  • Boys & Girls Clubs
  • Career & Vocational Counseling
  • Caregivers (Non Medical)
  • Child Care
  • Community Centers
  • Conservation Groups
  • Counseling & Referral
  • Counseling for Eating Disorders
  • Credit Debt Counseling
  • Crisis Intervention (Non Suicide)
  • Food Banks/Soup Kitchens
  • Gay/Lesbian Services
  • Government Assistance Services
  • Group Homes – Mildly Handicapped Adults – 100% Ambulatory
  • Halfway Housing
  • Health Care Clinics
  • Historical Societies
  • Homeless Shelters
  • Horticultural Societies
  • Hospices
  • Job Placement Services
  • Learning Disorder Services
  • Parenting Education
  • Pregnancy Help Centers
  • Prison Families Support Services
  • Psychologist Services
  • Reading Programs
  • Referral Agencies
  • Religious Outreach
  • Rescue Missions
  • School Social Work
  • Senior Activities Centers (Non Medical)
  • Sleep Disorder Counseling
  • Speech Therapists
  • Spiritual Counseling
  • Stress Management Services
  • Substance Abuse Recovery (Non Medical/Post Detox)
  • Thrift Stores
  • Transitional Housing
  • Unwed Mothers/Single Parent
  • Victims of Abuse
  • Vocational Sheltered Workshops

Available Limits:

Directors & Officers

  • Up to $5,000,000 for D&O and EPLI. The EPLI limit may not exceed the D&O limit.


  • General Liability: $1,000,000/$3,000,000
  • Molestation & Abuse: Up to $1,000,000 each claim
  • Professional Liability: $1,000,000/$1,000,000


  • Up to $3,000,000 TIV when no habitational exposure and risk is located in a PC 1-6. If habitational exists, TIV cap is $1,000,000
  • Up to $1,000,000 when no habitational exists and risk is located in PC 7-10. If habitational exposure exists, TIV cap is $500,000.


  • Up to a $5,000,000 limit

Need a quote? We'll get it to you fast!

Check out our website or give us a call for an application today!