Social Service Agencies

The social services program brings property, general liability, and professional and management liability coverage together in one package of policies designed to meet the unique risk management needs of social services agencies. 

Eligible classes of business:

  • Substance abuse programs
  • Mental health counseling centers
  • Domestic violence shelters
  • Adoption and foster care placement agencies
  • Residential care facilities
  • Program for developmentally disabled
  • Vocational rehabilitation facilities

Specific lines/coverages:

  • Property / inland marine / crime / equipment breakdown
    • Comprehensive proprietary coverage form
    • Blanket limits
    • Agreed value
    • Replacement cost
    • Bundled/enhancement endorsement
    • All standard IM and crime coverage available
  • Commercial general liability (up to $1M/$3M)
    • Enhancement endorsement
  • Management portfolio
    • Management liability / Directors & Officers / Employment practices liability ($1M/$1M)
    • Miscellaneous professional liability ($1M/$1M)
    • Social services and healthcare professional liability ($1M/$3M)
    • Sexual abuse or molestation, including physical abuse endorsement (up to $2M/$2M)
    • Fiduciary ($1M/$1M) 
  • Commercial auto liability and physical damage ($1M CSL)
  • Excess liability (up to $5M/$5M)

State availability:
50 states plus the District of Columbia

Program contact person:
Bill Gallagher
wgallagher@munichreamerica.com