Insurance Coverage for NonProfits, Social Service Agencies

Care Providers offers a wide range of insurance protection – providing coverage for claims that involve injuries on the premises, automobile accidents, property damage, and business interruption to more severe claims involving professional liability, sexual abuse, and wrongful death. In addition, our program covers a broad range of classes – from youth and adult services to special needs and more.

Coverage Features

General Liability Coverages Available

  • ISO Forms/Endorsements
  • Separate limits to $1MM/$3MM apply

Social Service Enhancement Endorsement includes:

  • blanket waiver of subrogation
  • blanket additional insured
  • fire legal $1,000,000
  • blanket special events
  • “host” & “sold” liquor liability for special events
  • plus others

Professional Liability

  • Separate limits to $1MM/$3MM apply
  • Broad form E&O
  • Includes vicarious liability
  • Can be extended to cover virtually any professional
  • First dollar coverage

Abuse and Molestation Liability

  • Includes both physical & sexual
  • Covers client on client, counselor client & third parties
  • Separate limits to $1MM/$3MM apply
  • First dollar coverage

Auto Liability

  • Limits up to $1 Million
  • Uninsured Motorist up to $1 Million
  • Symbol 1, Any Auto – available
  • Social Service Enhancement Endorsement available
  • Physical Damage:
    • Comprehensive – $500 Deductibles
    • Collision – $500 Deductibles
  • Hired and Non-Owned

Excess Liability (includes Abuse and Professional)

  • Limits up to $10 Million


  • Directors & Officers Liability
  • Employment Practices Liability

Property Coverages

  • Buildings & Contents
  • Replacement Cost
  • Blanket Limits
  • Theft
  • Crime
  • EDP
  • ISO Forms
  • Business Interruption
  • Property Enhancement Endorsement
  • Equipment Breakdown Coverage
  • Various deductibles available

Accident Policies

  • Volunteer Accident
  • Students/Teachers
  • Youth Sports Activities
  • Big Brother/Big Sisters & Mentoring Programs

Workers' Compensation

  • In Texas Only - Care Providers Insurance Services Administers the Social Services Agencies of Texas (SSA) Purchasing Group in the State of Texas through Texas Mutual Insurance Company. The SSA Purchasing Group is the largest writer of this class of business in Texas. No Membership Fee- specifically for nonprofit social service agencies in Texas. Special Premium Discount and dividend features apply. For more information, please click here. Care Providers also administers the Texas Church Group through Texas Mutual Insurance Company, which is a safety group open to qualifying nonprofit, faith-based organizations operating houses of worship, such as churches and synagogues. For more information, please click here.

Learn More About Our Care Providers Insurance Services Program

We strongly support the work done by nonprofits and social service organizations, and are committed to protecting these operations. To learn more about our program and how we can help grow your agency’s book of business contact us today.