Social Services & Non-Profits Insurance

insurance_policy420x315A Program Crafted Just For You

When it comes to protecting your social services organization, turn to the experts at Selective.  We have a dedicated and experienced team that specializes in the unique needs and challenges you face. Our program is designed to be both comprehensive and flexible—ranging from property coverage to professional liability—to help you get the protection you deserve.

Target Classes

Selective’s Social Service Program targets non-profit organizations. The following are just a few classes that qualify for this program:

  • Child development programs
  • Counseling centers
  • Developmental disabilities programs
  • Drug and alcohol programs
  • Hospice organizations
  • Mental health agencies
  • Senior services
  • Special needs day schools
  • Vocational rehabilitation and training

Product And Coverage Highlights

Selective’s Social Services Program automatically includes specialized coverage extensions. The major extensions are as follows:

Commercial Property

  • Broadened water coverage
  • Emergency vacating (for expenses associated with transporting consumers to a safe location)
  • Employee dishonesty, including welfare and pension plan ERISA compliance
  • Computers and media
  • Money, securities and stamps, including money of consumers
  • Personal property of others, including property of consumers
  • Systems PowerPac (equipment breakdown coverage)

General Liability

  • Blanket additional insured coverage
  • Volunteers as insured’s
  • Damage to premises rented to you
  • Medical payments for volunteers

Allied Health Care Liability

  • Occurrence form
  • Limits $1,000,000 occurrence/$3,000,000 aggregate
  • Insured’s include employees, volunteers and students in training for acts within the scope of their duties


  • Blanket additional insured
  • Physical damage coverage to volunteers’ and employees’ autos – $500 limit
  • Additional transportation expense
  • Property of others, including consumers
  • Lease gap coverage (not available in New York)
  • Excess hired car physical damage

Broad Insurance Protection Crafted Just For You

To further tailor your insurance program to your individual needs, you can select from a variety of optional coverage’s including:

  • Sexual abuse and molestation coverage (occurrence form)
  • Innocent employee, volunteer and student in training limited civil expense coverage
  • Loss of income coverage (actual loss sustained)
  • Key employee replacement expense (administrative costs associated with the replacement of the executive director)
  • Bonds (fidelity, employee dishonesty, treasurer, etc.)
  • Employee benefits liability
  • Flood and earthquake
  • Inland marine, including builder’s risk
  • Umbrella
    • Limits up to $10 million, with no minimum retention
    • Sexual abuse and molestation (may be available)

Program Services

Safety Management Services

  • Accident analysis and loss data trending
  • Assistance in obtaining and maintaining CARF and JCAHO accreditation
  • Automatic sprinkler system assessment
  • Fleet safety, including driver training programs, defensive driving, 15-passenger van safety programs, and Safety First driver monitoring programs, etc.
  • Implementation of OSHA-required safety programs
  • Organize and participate on accident review boards
  • Risk transfer methodology assistance
  • Thermographic testing of buildings and equipment
  • Training video library

Claims Services

  • Claim Service Center available 24/7
  • Dedicated Claims Management Specialists
  • Online claim reporting