Non-Profits: Human Services

Our specialists can help you place standard and challenging risks for non-profit groups that are designed to improve social conditions in a community, individuals, families, and homes.

Why Work with Brown & Riding?

  • An independent wholesaler that thrives on teamwork, quality, and professionalism
  • Transparency in marketing
  • Benchmarking availability in many cases
  • Contract review, negotiation, and recommendations

Solutions Specifically for the Human Services Industry

  • Expansive broadening forms and meaningful solutions
  • Complete package approach including: Professional Liability, Abuse coverage, General Liability, Property, Inland Marine, Auto, Crime, and Umbrella
  • Media / crisis management coverages to protect your reputation in the event of adverse circumstances (e.g., car driving into a building, abuse situations, food contamination, etc.)
  • Broad options to meet contractual obligations often required by funding sources
  • Underwriting that is flexible and competitive to meet your unique needs
  • Risk mitigation that supports a customized approach to be proactive rather than reactive
  • High degree of communication during the claims process

Substance Abuse

  • Outpatient services
  • Residential facilities, including detox
  • Sober living homes

Mental Health

  • Group homes
  • Independent living services
  • Outpatient services
  • Residential facilities

Developmentally Disabled

  • Day treatment programs
  • Group homes
  • Independent living services
  • Intermediate care facilities
  • Vocational programs

Youth Services

  • Counseling services
  • Foster care / Domestic adoption
  • Headstart, youth centers
  • Residential facilities, including group homes and shelters

Social / Community Services

  • Advocacy, education, outreach
  • Senior adult daycares
  • Services for disadvantages population
  • Shelters (homeless, domestic violence)
Products Offered
  • Directors & Officers
  • Professional Liability
  • Employment Practices Liability
  • Workers' Compensation
  • Fiduciary
  • Crime
  • Cyber
  • Property
  • General Liability
  • Abuse
  • Auto
  • Inland Marine
  • Umbrella

Coverage Options

  • Side A
  • Claims Made or Occurrence on all coverage parts
  • Defense Outside the Limits
  • Broad definition of who is an Insured
  • Coverage for professionals, including physicians