Comprehensive Property and Casualty Insurance for

Social and Human Service Organizations

Social and Human Service Organizations are the lifelines of our communities. They improve the daily quality of lives by providing the means for social and economic independence. Serving individuals, families, and communities, they strive to promote life changing results—especially for our children. Supporting those that need it most, these Social Service Organizations believe that by building a strong foundation for the future, everyone will have the opportunity to succeed.

Read below to learn more about Coverage Highlights, Eligibility Requirements, and Submission Guidelines.


  • Replacement Cost, Agreed Amount & Blanket Limit
  • Equipment Breakdown
  • Earthquake & Flood available
  • Emergency Vacating Expense
  • Client Monies & Securities included
  • Room Reserve
  • Business Income / Extra Expense
  • Extermination Expense to $5k

General Liability
(Occurrence & Claims made available)

  • $1M / 3M Limits Standard
  • Fundraising Events including Liquor Liability
  • Broad Additional Insured included
  • Medical Payments up to $25k available
  • Fire Legal Liability
  • Separate, Dedicated Abuse Limits
  • Abuse & Molestation for Employee / Client / 3rd Party
  • Aggregate per Location Endorsement
  • Crisis Response
  • Defense outside the Limits
  • No binding arbitration endorsement
  • HIPAA *where available


  • Up to $25M limits
  • Broad coverage over GL, PL, Abuse & Auto
  • $10k Minimum Retention (SIR)


  • Employee Theft
  • Forgery or Alteration
  • Fraudulent Impersonation Coverage
  • Exposure for In-Home Service Providers
  • Clients Property for Janitorial Contracts

Inland Marine Form

  • Blanket EDP Coverages
  • Builder’s Risk Coverage available
  • Scheduled Equipment

Professional Liability
(Occurrence & Claims made available)

  • $1M / 3M Limits Standard
  • Employed and Contracted Professionals
  • Independent Contractors (excluding MDs)
  • Vicarious Liability of Doctors
  • Primary Care Clinics Covered, if eligible
  • Psychiatrist, Psychologist Coverage

Commercial Auto

  • $1M Combined Single Limit Liability
  • Employees as Insured
  • Non-Owned / Hired Auto
  • Hired Auto Physical Damage
  • Auto Loan / Lease Gap (where available)
  • $50 Towing Limit for Private Passenger Vehicles
  • Drive Other Car – Executive Officers
  • Rental Reimbursement available
  • UM / UIM Coverage
  • Children’s Guidance Agencies
  • Children’s Homes / Villages
  • Community Action Agencies
  • Community Centers
  • Crisis Intervention Centers / Hotlines
  • Disaster Services
  • Emergency Shelters
  • Family Counseling Services
  • Family Location Services
  • Halfway Group Homes
  • Helping Hands Services
  • Homes for Destitute Men and Women
  • Hotline Services
  • Job Counseling and Training Centers
  • Missions
  • Multi-Service Centers
  • Non-Profit Rural Transportation for Elderly / Disabled
  • Orphanages
  • Outreach Programs
  • Paratransit Operators
  • Self-Help Organizations
  • Settlement Houses
  • Social Service Centers
  • Vocational Rehabilitation / Training and Counseling Agencies
  • Youth Self-Help Group Agencies
  • Brochure or Website
  • Application (ISA will work off another carrier’s application or our own)
  • 5 years currently valued company loss runs with expiring premiums
  • ACORDs or Coverage Requirements
  • Audited Financials or 1120 Income Tax Returns (if For-Profit)
  • Drivers List
  • Financials or Pro-Forma Statement
  • Resume for Executive Director (showing 3-5 years experience)
  • Business Plan

Click here to download
a new business application.

Click here to download
a renewal application.
(current ISA policyholders)