What Is Social Services and How to Protect these Organizations Against Risk?

Organizations in the human/social services field provide front-line support and social assistance for individuals, families, and communities in need. They offer a variety of services in different settings that range from Adult & Family Services to Developmentally Disabled Programs/Homes and Mental Health Prevention Programs; Adult Day Care; Health Clinics and Laboratories; Substance Abuse Facilities; Youth Services; and many others. Occupations include: health educators, mental health counselors and marriage and family therapists, rehabilitation counselors, social and human service assistants, social workers, and substance abuse and behavioral disorder counselors.

Organizations providing Adult & Family Services, for example, offer individuals and families educational and training opportunities, including GED programs, job training, vocational training, and more. Developmentally Disabled Programs/Homes provide adults with living support services including a place to live on their own while still receiving care and services to meet their needs rather than individuals living in an assisted living or group home setting. Services may include performing chores, environmental modifications, and home-delivered meals. Organizations providing Youth Services offer everything from community organizing and advocacy; homework help and tutorial services; recreation, sports, and cultural activities; educational workshops; and more. 

With the various services provided by human/social services organizations come exposures that require industry-focused insurance and risk management solutions. A comprehensive insurance program should include everything from General Liability insurance to protect against premises liability risks (slips and falls); to Professional Liability coverage to protect an organization in the event it is sued for the errors, oversights or negligence of their employees, contractors or volunteers while carrying out their services; a Package Policy comprised of Property, Crime, Business Interruption, Commercial Auto and other key coverages; and Workers’ Compensation to safeguard both the organization and employees in the event of on-the-job injuries. 

Manchester Specialty Programs specializes in providing human/social services organizations with a total insurance solution that includes the coverages listed above. Our Professional Liability program, available on a claims-made or occurrence-based policy, also includes Abuse & Molestation coverage with separate limits within the policy form, particularly critical for organizations that provide services to youth and at-risk populations. Our Workers’ Compensation solutions offer competitively priced guaranteed-cost plans, including for multi-state risks, and offer “pay-as-you-go and self-reporting plan options. Our carrier partners also offer risk management strategies to help contain Workers’ Comp costs. 
For more information about how our products and services can help protect your insureds, please contact us at 855.972.9399.

Sources: Department of Professional Employees