There are two ways to approach liability coverage for your organization. The first is to go for professional liability insurance from a service provider with a wide scope whose policies are written to suit nearly any industry. While these insurers often have a lot of experience with liability insurance, they might not have a lot of experience with social services.
The other option is an industry-specific option from someone whose program focuses just on liability insurance for social services. These insurers tend to offer comprehensive liability insurance packages that let you get focused general liability coverage as well as a tailored professional liability policy.
Cover Unique Risks Taken By Social Services
Professional liability coverage is usually better suited to an organization when it is written to be closely suited to its needs and unique forms of risk exposure. Social services provide necessary and often essential resources to clients that are often in high-risk population demographics, so errors and omissions can have drastic effects even when they seem small. Your coverage needs to suit those risks while also providing general liability provisions for your facilities, events, and organizationally owned vehicles.
The best way to learn more is by looking at a quote from a dedicated program that provides liability insurance for social services. Compare that to the coverage you have now and see what the difference could be for your service organization.
