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
- Community action or development organizations
- Ethnic-based groups and centers
- Food banks/distribution/meal sites
- Foundations/grantmaking organizations
- Homeless and women’s shelters
- Nonprofit thrift stores
- Outpatient counseling
- Temporary housing for families with medical needs
- United Way organizations
- Vocational rehabilitation/training
- YMCA/YWCA/Jewish community centers (JCC)
Youth services
Youth services
- Boys & Girls Clubs
- Camps
- Court Appointed Special Advocates (CASA)
- Early intervention programs
- Emergency shelters
- Head Start programs
- Nonprofit group homes
- Nonprofit residential treatment programs
- Outpatient therapeutic programs
- Youth centers
Developmental disabilities
Developmental disabilities
- ABA Therapy
- Day programs
- Leisure/recreational programs
- Nonprofit group homes
- Nonprofit intermediate care facilities
- Sheltered workshops
- Supported/independent living
- Vocational programs
Substance abuse
Substance abuse
- Nonprofit residential treatment
- Outpatient counseling
- Supported/independent living
- Transitional living
Mental health
Mental health
- Crisis intervention
- Nonprofit residential treatment
- Outpatient counseling
- Supported/independent living
- Transitional living
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:
- 1:1 offsite mentoring
- Affordable housing development entities
- Alternative to incarceration, adjudicated youth or secure/lockdown facilities
- For-profit camps
- For-profit residential programs
- For-profit or standalone daycare
- Foster care or adoption services
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
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
- Property damage legal liability coverage
- Automobile
- Umbrella
- International
Professional liability for healthcare
Human services organizations offering medically focused services may need healthcare professional liability coverage as part of a total account solution. Hanover Healthcare can offer coverage for organizations including for the entity or for nurses or physicians on staff.
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.
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.
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.
Community services
Community services
- Arts and cultural programs
- Community action or development organizations
- Ethnic-based groups and centers
- Food banks/distribution/meal sites
- Foundations/grantmaking organizations
- Homeless and women’s shelters
- Nonprofit thrift stores
- Outpatient counseling
- Temporary housing for families with medical needs
- United Way organizations
- Vocational rehabilitation/training
- YMCA/YWCA/Jewish community centers (JCC)
Youth services
Youth services
- Boys & Girls Clubs
- Camps
- Court Appointed Special Advocates (CASA)
- Early intervention programs
- Emergency shelters
- Head Start programs
- Nonprofit group homes
- Nonprofit residential treatment programs
- Outpatient therapeutic programs
- Youth centers
Developmental disabilities
Developmental disabilities
- ABA Therapy
- Day programs
- Leisure/recreational programs
- Nonprofit group homes
- Nonprofit intermediate care facilities
- Sheltered workshops
- Supported/independent living
- Vocational programs
Substance abuse
Substance abuse
- Nonprofit residential treatment
- Outpatient counseling
- Supported/independent living
- Transitional living
Mental health
Mental health
- Crisis intervention
- Nonprofit residential treatment
- Outpatient counseling
- Supported/independent living
- Transitional living
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:
- 1:1 offsite mentoring
- Affordable housing development entities
- Alternative to incarceration, adjudicated youth or secure/lockdown facilities
- For-profit camps
- For-profit residential programs
- For-profit or standalone daycare
- Foster care or adoption services
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.
Resources for you
Marketing materials
Nonprofit management liability
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
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
Greg Ketay
Vice President, Distribution Management
630-760-3045
gketay@hanover.com