Human services
Human services organizations require comprehensive insurance solutions with specialized coverage. Hanover Human Services Advantage is designed to meet these needs with flexible, affordable products and services.

Hanover Human Services Advantage targets 501(c)(3) nonprofit and for-profit organizations that provide professional (non-medical) services for a disadvantaged population. Our appetite for human services varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities.

The appetite below outlines examples of the various mid-sized human services operations we target.

 

 

Community services

Community services

  • Arts and cultural programs
  • Meal sites
  • Ethnic-based groups and centers
  • Outpatient counseling
  • Temporary housing for families with medical needs
  • Food bank/distribution
  • YMCA/YWCA
  • Homeless and women's shelters
  • Community Action or Development organizations

Youth services

Youth services

  • Outpatient therapeutic programs
  • Head Start programs
  • Boys & Girls Clubs
  • Youth groups/youth services (residential or non-residential)
  • Early intervention programs
  • Court Appointed Special Advocates (CASA)
  • Camps
  • Residential treatment programs
  • Multiservice facilities that include foster care and adoption
  • Group homes

Developmental disabilities

Developmental disabilities

  • Day programs
  • Leisure/recreational programs
  • Supported living facilities
  • Sheltered workshops
  • Vocational programs
  • Group homes
  • Intermediate care facilities

Substance abuse

Substance abuse

  • Outpatient counseling
  • Supported/independent living
  • Supported living facilities
  • Nonprofit residential treatment facilities

Aging services

Aging services

  • Senior centers
  • Meals on Wheels
  • Adult day care
  • Non-medical in-home assistance

Mental health

Mental health

  • Outpatient counseling
  • Supported/ transitional living
  • Residential treatment facilities

 

Additional capabilities

Human services organizations offering medically focused services may benefit from working with our healthcare division. Hanover Healthcare can assist clients who offer the following types of services:

  • Senior living facilities including skilled nursing, assisted living, continuing care retirement communities and independent living.
  • Inpatient behavioral health facilities
  • Medical clinics and other miscellaneous medical facilities
  • Primary medical malpractice for physicians

Learn more

Not in appetite

The Hanover does not target the following areas: 

  • Affordable housing development entities
  • 1:1 off-site mentoring
  • Alternative to incarcerated adjudicated youth secured/ lock down facilities
  • For-profit residential substance abuse facilities
  • For-profit day care
  • For-profit camps
  • Workers' compensation
  • International foster care or adoption

 

Property and general liability

Property

  • Selection of base property broadening endorsements that add or enhance more than 65 coverages
  • Add the human services property broadening endorsement below to a base property endorsement to further tailor industry-specific coverage.

Human services property broadening endorsement 411-0803

Coverage Limits Coverage Limits

Automated external defibrillators

$10,000

Paved surfaces

$100,000

Broadened building coverage

Included

Property at conventions, exhibition or special event

$100,000

Business income

$300,000

Property at temporary location

$500,000

Dampness and extremes of temperature

Included

Property of home care provider

$50,000

Emergency evacuation expense

$25,000

Residential room reserve

$100,000

Mobile medical equipment

$15,000

 

 

 

General liability 

  • Suite of general liability broadening coverage that add or enhance over 20 coverages
  • Add the human services general liability broadening endorsement below to the base general liability broadening endorsement to further tailor coverage.

Commercial general liability enhancement endorsement – human services 421-2921

Coverage Limits Coverage Limits

Additional insured — broad form vendors

Included

Mobile equipment redefined

Included

Aggregate limit per location

Included

Personal injury — broad form

Included

Broad form named insured

Included

Product recall expense
– Occurrence
– Aggregate
– Deductible


$25,000
$50,000
$500

Extended property damage

Included

Property damage legal liability
– Broad form
– Fire, lightning, explosion, smoke and leakage from fire protection systems damage limit
– Damage caused by “your client” limit

$1,000,000


$30,000

Innocent party defense coverage for employees

$25,000

 

Human Services Professional Liability highlights

The Hanover’s Human Services Professional Liability offering is designed to provide these organizations with the peace of mind they need to be their best. Hanover Professional Liability for human services organizations:

  • Is designed to cover liability from errors and omissions arising out of wrongful acts
  • Provides broad coverage for nurses, teachers, psychologists, counselors, social workers and more
  • Can be included in umbrella coverage, with limits tailored to the individual account
  • Offers coverage for an organization’s vicarious liability for certain professionals regardless of the employment status of the professional
Group of volunteers stacking hands

 

Additional coverage options

  • Physical abuse, sexual misconduct and sexual molestation coverage, with the option to include in umbrella offering
  • Emergency event management coverage
  • Human services additional insured endorsement
  • Donated stock endorsement
  • Aggregate limit per location
  • Property damage legal liability coverage
  • Automobile
  • Umbrella
  • International

 

Professional and executive lines

Professional and executive lines

Marine

Marine


 

Surety

Surety

 

Hanover Human Services Advantage protects against the unique risks faced by human service organizations. Unlock the Hanover advantage.

 

Risk management services

Our training options include employee screening, professional boundaries, abuse and molestation, workplace harassment, discrimination and respect training.

Learn more

 

Competitive products

Our innovative and comprehensive product suite provides options designed to fit current and future needs, including:

  • Industry-specific broadening endorsements
  • Account-focused solutions
  • Human services professional liability

 

Dedicated claims team

Our claims teams have years of industry expertise and experience handling the unique types of claims human service organizations can face. We employ experts in the fields of water mitigation, subrogation, risk transfer, litigation management, nurse and legal analysis, accounting, and SIU.

 

 

Significant experience

We have expert, local underwriting resources with national product claims and loss control services, all supported by regional experts.

 

Risk Solutions partnership

We partner with companies to provide background checks and employment screening, driver monitoring and active shooter training.

Learn more

 

Trusted partner

We offer the support and financial strength of an "A"-rated leading insurance carrier.

 

Appetite

Hanover Human Services Advantage targets 501(c)(3) nonprofit and for-profit organizations that provide professional (non-medical) services for a disadvantaged population. Our appetite for human services varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities.

The appetite below outlines examples of the various mid-sized human services operations we target.

 

 

 

Additional capabilities

Human services organizations offering medically focused services may benefit from working with our healthcare division. Hanover Healthcare can assist clients who offer the following types of services:

  • Senior living facilities including skilled nursing, assisted living, continuing care retirement communities and independent living.
  • Inpatient behavioral health facilities
  • Medical clinics and other miscellaneous medical facilities
  • Primary medical malpractice for physicians

Learn more

Not in appetite

The Hanover does not target the following areas: 

  • Affordable housing development entities
  • 1:1 off-site mentoring
  • Alternative to incarcerated adjudicated youth secured/ lock down facilities
  • For-profit residential substance abuse facilities
  • For-profit day care
  • For-profit camps
  • Workers' compensation
  • International foster care or adoption

 

Industry resources

 

 

Professional liability for human services organizations overview

Learn how Hanover Human Services Advantage provides helpful services and information to help give customers peace of mind.

Download now

Resources for you

Human services applications

Policy forms library

 

Marketing materials

Nonprofit management liability

Emergency event management

 

Industry learning

The Hanover Accelerator program offers exclusive self-guided training designed to give you expertise in key growth industries, empowering you to better offer specialized insurance solutions for commercial clients.

Sign up for The Hanover's Industry Accelerator for Human Services 

Resources for your customers

Our Risk Solutions program includes onsite and remote assessments, on-demand learning, self-service tools and custom action plans that address the complex demands and issues facing your clients in the human services industry.

Background checks and employment screening

e-learnings on client protection

See all of our Risk Solutions resources for human services organizations

 

Customer tools

Claims reporting

My Hanover Policy

 

 

Let's start a conversation today

Contact a member of our team to learn more about our coverage and services, and how we can help you tailor a solution for you and your clients.

Property and casualty

Chris Rhodes
Lead Director, Industry Solutions
317-442-0677
crhodes@hanover.com

Marine and industrial property

Chris Zaneski
Vice President, Distribution Management
240-638-5706
czaneski@hanover.com

Professional and executive lines

Jon Martin
Vice President, Distribution Management
269-240-8118
jonmartin@hanover.com