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Social Services Insurance and Non Profit Insurance in Massachusetts

HomeSocial Services Insurance and Non Profit Insurance in Massachusetts

Social Services Insurance Coverage Protecting Organizations That Improve Your Local Community

If you are running a social services or a nonprofit organization, you face a variety of risks related to your decisions. Lawsuits related to these claims can quickly eat up your financial assets and put your organization in jeopardy. LoPriore can help you find the customized coverage you need to protect your non-profit against potential risks.

Social Services Insurance

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Social Services Insurance is a policy designed to provide coverage for directors and officers of social services and nonprofit organization when facing a lawsuit. Decisions and votes made by the directors and volunteers of a nonprofit organization can lead to lawsuits that could cost you thousands of dollars in legal and defense costs–even if you win the suit.


Nonprofit organizations face the same risks as other businesses. They also face risks that for-profit businesses are unlikely to encounter. The right insurance policy can help you cover gaps related to high-risk situations and protect an organization with volunteers.


Any nonprofit organization can benefit from nonprofit insurance, including

• Youth programs
• Education
• Health
• Family service
• Housing support and services
• Miscellaneous other organizations

Coverage Detail

While nonprofit organizations are similar to businesses, failing to purchase specialized insurance coverage can leave you exposed to risks. Your nonprofit is exposed to a variety of risks through the services you provide to the community. For example, you may be liable for accidents that occur on the premises, or damages related to lawsuits of alleged negligence or misinformation resulting in losses for a third party. Nonprofit insurance is a customized policy designed to provide protection to all nonprofits including:
• Shelters (homeless, battered victim, etc.)
• Substance Abuse Centers
• Childcare Centers
• Churches and Religious Institutions
• Food Programs
• Youth Services
• Home Health Care
• Animal Shelters
• Residential Living (including halfway houses, residential group housing, transitional housing)
• Rescue Missions
• Private Schools
• Adult Education Facilities
• Mental Health Treatment Centers
• Social Clubs
• Grant Making Organizations

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Social Services Insurance FAQ's

Yes, legal expenses are included in the policy and don’t affect liability limits. You will still have the full limit of liability for each individual claim after paying defense costs.

A claims-made policy provides professional liability protection for incidents that occur while the policy is active (between the effective date and expiration date of your policy). It’s important to remember that claims must be reported while the policy is in force. An extended reporting period endorsement (or tail) can be added to protect you against allegations made for an agreed-upon period of time after the policy expires. 

Nonprofit organizations may run a variety of programs under one umbrella, exposing them to a bigger variety of risks. Additionally, nonprofits often work with vulnerable populations including seniors, children, and troubled teens. Nonprofits need insurance to cover volunteers and coverage for medical malpractice and social service professional risks. Simply put, the insurance needs of nonprofits are often more complex than those of a business with a single focus.

There are many factors that help determine the coverage you need such as the size of the organization and the unique risks you face. Many community-based social services and non-profit organizations purchase in excess of $1 million in coverage. However, if your organization has significant assets, you may need to purchase a commercial umbrella policy for higher limits to ensure you have the right protection.

Accidents and injuries (automobile or slip and fall accidents) that occur on the premises of a nonprofit location or the location of a nonprofit special event are the most common claims that occur. Other claims include improper employment allegations, sexual abuse, and professional errors or negligence.

To Learn More About Social Services Insurance

To learn more about the potential risks your social services or nonprofit organization may face and your options for customized insurance coverage, get in touch today. Our experienced agents are standing by 24/7 to answer your questions, provide a quick quote, or explain the details of your policy.

Have any Question? Ask us anything, we’d love to answer!