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Types of Businesses We Insure
Social Services

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Types of Nonprofits We Insure:

  • Child development programs
  • Counseling centers
  • Drug and alcohol programs
  • Programs for the developmentally disabled
  • Family Service Agencies
  • Federal and state early education programs
  • Hospice organizations
  • Meal delivery programs
  • Self-sufficiency programs
  • Senior services
  • Special needs day schools
  • Vocational rehabilitation and training

You’re in the Business of Helping Others…

…and we’re in the business of helping you. Selective’s dedicated and experienced team created an insurance program specifically tailored to the unique challenges you face. Selective’s program includes flexible coverage options including specific property and liability coverages that meet your needs. When you’re a Selective customer, our Safety Management Specialists can provide free thermographic testing to help you meet safety requirements. We can also assist you with employee screening. The care you provide should be supported by the care we provide. Reach out to your Selective agent today.

As the list below shows, Selective’s program for social services offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.

    Commercial Property
  • Broadened water coverage
  • Emergency vacating (for expenses associated with transporting consumers to a safe location)
  • Employee dishonesty, including welfare and pension plan ERISA compliance
  • Computers and media
  • Money, securities and stamps, including money of consumers
  • Personal property of others, including property of consumers
  • Systems PowerPac (equipment breakdown coverage)
    General Liability
  • Blanket additional insured coverage
  • Volunteers as insureds
  • Damage to premises rented to you
  • Medical payments for not-for-profit members
    Social Service Professional Liability
  • Occurrence form
  • Limits $1,000,000 occurrence/$3,000,000 aggregate
  • Insureds include employees, volunteers and students in training for acts within the scope of their duties

  • Automobile
  • Blanket additional insured
  • Physical damage coverage to volunteers’ and employees’ autos – $500 limit
  • Additional transportation expense
  • Property of others, including consumers
  • Lease gap coverage (not available in New York)
  • Excess hired car physical damage

To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:

  • Sexual abuse and molestation coverage (occurrence form)
  • Innocent employee, volunteer and student in training limited civil expense coverage
  • Loss of income coverage (actual loss sustained – non-profits only)
  • Key employee replacement expense (administrative costs associated with the replacement of the executive director)
  • Bonds (fidelity, employee dishonesty, treasurer, etc.)
  • Employee benefits liability
  • Flood and earthquake
  • Inland marine, including builder’s risk
  • Umbrella
    1. Limits up to $10 million, with no minimum retention
    2. Sexual abuse & molestation (may be available)

When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.

  • Best practices assessment/gap analysis
  • Contractual liability consultation
  • Customized workers compensation cost containment
  • Driver and fleet safety programs
  • Exposure reduction consultations
  • OSHA 30-hour training
  • Premises liability reviews
  • Regulatory guidance
  • Safety assessment and benchmarking tools
  • Sprinkler system evaluation and analysis
  • Supervisor accountability programs
  • Thermographic infrared surveys


For more information about Selective's Safety Management services, click here.

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