Social & Human Services Agency Insurance Coverage Checklist
The coverages a social & human services agency business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for social-services and human-services agencies, including foster care, case management, and in-home programs. Priorities reflect typical exposure for this class; confirm against your actual programs and contracts.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Social Services Professional Liability | Covers claims of negligent case management, placement, counseling, or advice — GL excludes professional services. | Core | |
| Abuse & Molestation | Covers abuse allegations against staff, volunteers, or foster parents — often excluded unless added back. | Core | |
| Commercial General Liability | Covers injuries at offices and program sites. | Core | |
| Directors & Officers | Covers board decisions, funder disputes, and governance claims. | Core | |
| Workers' Compensation | Required by law; assaults on home visits and in offices are a leading cause of injury. | Core | |
| Hired & Non-Owned Auto | Covers staff transporting clients in their own cars — a frequent and severe exposure. | Prevalent | |
| Cyber / Privacy Liability | Covers breaches of client health, case, and benefits records. | Prevalent | |
| Employment Practices Liability | Covers claims by staff in a high-turnover, high-stress field. | Prevalent | |
| Umbrella / Excess Liability | Adds limits above GL, auto, and abuse coverage; government contracts often require it. | Prevalent | |
| Crime / Fidelity (incl. Client Funds) | Covers theft of client money held as payee or in trust. | Situational | |
| Medicaid / Billing Errors Coverage | Needed if you bill Medicaid or other government payers. | Situational | |
| Property & Business Income | Covers offices and equipment, plus extra expense to keep programs running. | Situational |
The coverage gap most often missed
The gap most often missed by human-services agencies is abuse coverage that is missing or too small. Agencies that place, supervise, or serve children and vulnerable adults can be held responsible for abuse by staff, volunteers, or foster parents — one agency was found 60% responsible in a $25 million verdict — and many professional and GL policies exclude abuse or cap it with a low sublimit. Client transport adds a second gap when staff drive their own cars. Confirm your abuse limit, that it covers foster homes you supervise, and that hired and non-owned auto is in place.
Send us the checklist and we'll review your social & human services agency coverage line by line, then market it across multiple carriers that compete for your account.
Related: Social Services Agency Insurance · Social & Human Services Agency Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a social & human services agency business need?
The core coverages for a social & human services agency business are Social Services Professional Liability, Abuse & Molestation, Commercial General Liability, Directors & Officers, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my social & human services agency coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.