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Human services

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


Hanover Human Services Advantage targets non-profit (501c3) and for-profit organizations that provide professional (non-medical) services for a disadvantaged population. Examples of the various human services operations that we write include:





  • Arts and cultural programs
  • Meal sites
  • Ethnic-based groups and centers
  • Thrift stores
  • Outpatient counseling
  • Temporary housing for families with medical needs
  • Food bank/distribution
  • Goodwill agencies
  • Homeless & women's shelters
  • Community Action or Development organizations
  • 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
  • Day programs
  • Leisure/recreational programs
  • Supported living facilities
  • Sheltered workshops
  • Vocational programs
  • Group homes
  • Intermediate care facilities





  • Outpatient counseling
  • Supported/independent living
  • Supported living facilities
  • Nonprofit residential treatment facilities
  • Senior centers
  • Meals on Wheels
  • Adult day care
  • Non-medical in-home assistance
  • Outpatient counseling
  • Supported/ transitional living
  • Residential treatment facilities


Human services organizations offering medically-focused services may benefit from working with our healthcare division. Our Hanover Healthcare team 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.


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

Product offerings

Specialized coverages and endorsements

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

The Hanover Human Services Advantage

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

  • Significant experience — We have expert, local underwriting resources with national product claims and loss control services, all supported by regional experts.
  • Competitive products — Our innovative and comprehensive product suite with business owner's policy and commercial package policy options can be designed to fit current and future needs, including:
    • Industry-specific broadening endorsements
    • Three coverage options for errors and omissions
    • Total account solutions 
  • 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.
  • Risk management services — Our training options include employee screening, professional boundaries, abuse and molestation, workplace harassment, discrimination and respect training.
  • Risk Solutions partnership – We partner with companies to provide background checks and employment screening, driver monitoring and active shooter training.
  • Trusted partner — We have the support and financial strength of an "A" rated leading insurance carrier.


Property and casualty

Deb Zborowski
AVP, Industry Solutions

Marine and industrial property

Chris Zaneski
VP, Distribution Management

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