Human Services & Nonprofit Insurance in Pennsylvania

Organizations We Work With

From small community programs to multi-site agencies, the right coverage depends on the services you provide, the people you serve and how your staff and volunteers do the work.

Community & family services
Behavioral & mental health programs
Intellectual & developmental disability services
Residential & group homes
Youth, mentoring & after-school programs
Food banks & social service agencies

Where Nonprofit Claims Usually Come From

These are common exposures for human services organizations. How a claim is handled always depends on the facts and on your actual policy wording.

Allegations of Abuse or Misconduct

Organizations that serve children, seniors or vulnerable adults can face abuse and molestation allegations, which many general liability policies exclude or limit.

The Services You Provide

Counseling, case management, care and supervision can lead to claims that a service was performed improperly. That's a professional liability exposure.

Board and Management Decisions

Directors and officers can be named in claims over governance, funding or management decisions.

Employment Claims

Hiring, discipline and termination decisions can lead to claims of discrimination, harassment or wrongful termination.

Driving Clients and Running Errands

Agency vans and staff or volunteers driving their own cars to transport clients or run errands create auto exposures that are easy to overlook.

Coverage Human Services Nonprofits Should Consider

Coverage	What it's generally for
General liability	Third-party bodily injury and property damage at your locations, programs and events.
Professional liability	Claims arising from the social, counseling or care services your organization provides.
Abuse & molestation	Allegations of abuse or misconduct involving the people you serve, often written separately or by endorsement.
Directors & officers (D&O)	Claims against your board and leadership over their decisions.
Employment practices liability (EPLI)	Claims such as discrimination, harassment or wrongful termination.
Commercial auto / hired & non-owned auto	Agency vehicles, plus staff and volunteers driving their own cars for your work.
Workers' compensation	Employee injuries on the job. Some carriers also offer coverage options for volunteers.
Property	Buildings, contents and equipment you own or are responsible for.
Crime & fidelity	Theft of funds or property, including by employees or volunteers.
Cyber liability	Breaches of the sensitive client and donor information you hold.

The Fine Print

Policy Wording Worth a Second Look

Two nonprofit programs with the same limits can respond very differently. These are details we check on every human services policy we review.

CG 21 46Abuse or molestation exclusion

What it does: Removes general liability coverage for claims arising from abuse or molestation.

Why it matters: For organizations serving children or vulnerable adults, this exposure usually needs to be covered somewhere else, and the limits and sublimits matter.

CG 21 16Designated professional services exclusion

What it does: Excludes claims arising from listed professional services, such as counseling or case management.

Why it matters: If your GL excludes the services you provide, those claims need a professional liability policy.

VariesD&O without employment coverage

What it does: Some D&O policies exclude or limit employment-related claims.

Why it matters: Employment claims are among the most common claims nonprofits face. Make sure they're covered by D&O or a separate EPLI policy.

VariesNo hired & non-owned auto

What it does: Without it, your organization may have no coverage when staff or volunteers use their own cars for your work.

Why it matters: A volunteer's personal auto limits may not be enough, and the organization can still be named in the claim.

Funding Contracts and Insurance Requirements

County, state and grant agreements often spell out specific insurance terms. We review those requirements against your coverage before you sign, then issue certificates to the funders and partners who need them.

Required limits for each line of coverage
Additional insured status for the funder
Abuse & molestation or professional liability minimums
Auto and client transportation requirements
Waiver of subrogation
Certificate and notice requirements

What We'll Ask for Your Quote

Having these ready makes quoting faster. We'll walk you through anything you're unsure of.

Services you provide and who you serve
Annual budget and payroll
Number of employees and volunteers
Locations, including any residential sites
Vehicles and client transportation
Funding contracts with insurance requirements
Current policies or declarations pages
Claims history (loss runs, if available)

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Nonprofit Insurance FAQ

Does our general liability cover abuse allegations?

Often it doesn't, or only with a low sublimit. Many policies exclude abuse and molestation entirely, so organizations serving vulnerable people usually need it addressed separately. We'll check how yours is written.

Do we need D&O if our board is all volunteers?

Volunteer board members can still be named in claims over the organization's decisions. D&O is designed to protect the organization and its leaders; we'll help you decide on limits.

Are our volunteers covered if they're hurt?

It depends on your policies. Workers' compensation generally covers employees; some carriers offer options for volunteers, and volunteer accident coverage is another approach. We'll look at what fits.

Do you work with nonprofits outside Pennsylvania?

We're based in Phoenixville and licensed in Pennsylvania, New Jersey, Delaware, Maryland, Ohio, Indiana, South Carolina, Georgia, Florida and Nevada.

Protecting the People Who Serve Others.