Specialized insurance for human services organizations
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Human services

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 services

End-to-end solutions for human service providers

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

Industry-specific coverages

Industry-specific coverages

  • Commercial package policy
  • Commercial property
  • Commercial general liability
  • Commercial auto
  • Commercial follow form excess and umbrella
  • Commercial crime

Specialized coverages and endorsements

Specialized coverages and endorsements

  • 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


Specialized products for enhanced protection

Specialized products for enhanced protection

We offer specialized insurance products that offer human service organizations enhanced protection:

  • Nonprofit management liability
  • Fidelity and crime
  • Commercial surety

Our services for human services 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.

    Risk Solutions

    Risk Solutions

    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

    Find out more



    In a perfect world, you would never have to file a claim. But in the real world, you need to be prepared. If you need to file a claim, our dedicated claims team is ready with the expertise and resources you need 24/7, including:

    • A dedicated adjuster, who as your point of contact, understands your organization’s unique needs
    • Industry experts who take the time to consult with you every step of the claims process
    • Easy incident reporting to enable a proactive investigation of potential claims. Find out more.

    Learn more

    Featured resources

    Get safety and insurance articles, videos, infographics and more to help keep your business and property safe, and guide you through the insurance-buying process.