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
  • Homeless and women's shelters
  • Community Action or Development organizations

Youth services

Youth services

  • Outpatient therapeutic programs
  • Head Start programs
  • Boys & Girls Clubs
  • Early intervention programs
  • Court Appointed Special Advocates (CASA)
  • Camps
  • Nonprofit residential treatment programs
  • Multiservice facilities that include foster care and adoption
  • Nonprofit 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

Mental health

Mental health

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

Property and general liability


  • 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


Paved surfaces


Broadened building coverage


Property at conventions, exhibition or special event


Business income


Property at temporary location


Dampness and extremes of temperature


Property of home care provider


Emergency evacuation expense


Residential room reserve


Mobile medical equipment





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


Mobile equipment redefined


Aggregate limit per location


Personal injury — broad form


Broad form named insured


Product recall expense
– Occurrence
– Aggregate
– Deductible


Extended property damage


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



Innocent party defense coverage for employees



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







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.



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.


Medically focused services

Human services organizations offering medically focused services may need healthcare professional liability coverage as part of a total account solution. Hanover Healthcare may offer coverage to clients who provide 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

Contact your Middle Market underwriter for more details.



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

Marine and industrial property

Chris Zaneski
Vice President, Distribution Management

Professional and executive lines

Greg Ketay
Vice President, Distribution Management