Business Insurance Solutions

Social Services

From mental health and substance abuse organizations to family services, educational and beyond. The one thing all these companies have in common is their desire to create more effective institutions, build stronger communities, and promote equality and opportunity.

Social services organizations have unique concerns including malfeasance by professionals acting on their behalf, owning or renting office space or real estate where services must take place, owning or renting vehicles, and more recently, storing confidential records or data on internal software (i.e. from donors, employees, volunteers) that is subject to cyber security concerns.  Understanding these many exposures, Hickok & Boardman will design an insurance and risk management program that protects all of your organization’s assets and operations.

Case Study


A non-profit agency supporting folks with developmental disabilities was concerned about requiring employees and volunteers to transport clients in their personal vehicles. Their biggest concern was how an employee or volunteer would be reimbursed for any damage caused to the vehicle by their clients. Employees did not want to report physical automobile damages to their personal car insurance since their rates would increase and they would be at risk of being non-renewed from claim frequency.


Investigating this unique concern, Hickok & Boardman found an insurance carrier that was comfortable with the employees’ and volunteers’ exposure. In working closely with the insurance carrier, an endorsement was added to the client’s policy which provided coverage for damage to the employee’s personal vehicle caused by an intentional act of a developmentally disabled patient. There was no deductible for these claims.

Key Available Coverages

Property: protects your facility’s buildings, medical equipment, and resident’s personal property.

General Liability: covers third-party bodily injury and property damage related to premises and operations exposures

Professional Liability/Medical Malpractice: covers the acts, errors, and omissions of your medical providers as well as staff providing miscellaneous other professional services including counseling.

Physical and Sexual Abuse: protects against losses related to lawsuits arising from claims of physical and/or sexual abuse. This abuse can include molestation, inappropriate touching, and more.

Automobile: protects you and your employees while operating owned, non-owned or rented vehicles for business purposes. This also includes patient transportation coverage.

Workers’ Compensation: covers costs associated with work-related injury or illness

Excess Liability/Umbrella: a policy designed to provide protection against catastrophic losses. It is generally written over various primary liability policies, such as the general liability, professional liability, auto liability, and employers liability coverage.

Cyber Liability: covers your business’ liability for a data breach involving sensitive customer information, such as social security numbers, credit card numbers, account numbers, and health records

D&O/Management Liability: covers exposures faced by directors, officers, managers, and business entities that arise from governance, finance, benefits, and management activities. For Social Service entities, it often includes employment practices liability coverage for wrongful termination, retaliation, discrimination, failure to accommodate, etc.

Have questions? We’re here to help!