Specialized insurance for human services organizations

Our specialized Human Services Advantage is designed to help meet the unique insurance needs of a wide range of nonprofit, 501(c)(3), and for-profit organizations that provide a professional (non-medical) services for disadvantaged population, including:

  • Addiction Services
  • Developmental Disabilities
  • Youth Services
  • Aging Services
  • Community Services
  • Mental Health Service

More value for human service organizations

Our underwriting, claims, and risk management professionals have worked with human service organizations for many years. We offer comprehensive solutions that are cost-effective and convenient. We can help tailor your policy to meet your needs, and even offer convenient, automated premium payments to fit your budget.

In addition, Hanover Risk Solutions offers industry-leading risk management services, including:

  • The Hanover Professional Development Series, complimentary e-learning courses for policyholders, covering abuse prevention and other relevant topics
  • Customized risk management training includes: Employee Screening, Professional Boundaries, Abuse and Molestation, Workplace Harassment, Discrimination and Respect Training
  • Vehicle Safety Services—classroom and online training and sample safety policies
  • Risk Solutions consultation services include theft prevention,disaster preparedness and business continuity planning

End-to-end solutions for human service providers

We offer human services organizations products to help protect their property, autos, employees, and clients:

  • Commercial Package Policy
  • Commercial Property
  • Commercial General Liability
  • Commercial Auto
  • Commercial Follow Form Excess and Umbrella
  • Commercial Crime

Specialized coverages and endorsements for human service organizations include:

  • Human Services Property Broadening Endorsement
  • Professional Liability
  • Physical Abuse, Sexual Misconduct, and Sexual Molestation Coverage
  • Emergency Event Management Coverage
  • Aggregate Limits per Location provided in our suite of General Liability broadening coverages
  • Property Damage Legal Liability Coverage
  • Business Auto Coverage
  • Donated Stock Endorsement

In addition, we offer specialized insurance products that offer human service organizations enhanced protection: