⛉ Social Services Insurance
Protect Those Who Care for Others
Social Services Insurance is designed for nonprofits and care organizations, offering protection for liability, claims of abuse, professional exposures, and property damage to keep your mission moving forward.
Insurance for Social Service Organizations
Social service providers face unique and sensitive risks as they support vulnerable populations and manage community-focused operations. At Hako Risk & Insurance, we offer specialized social services insurance for nonprofits, group homes, counseling centers, food banks, shelters, and other human service organizations. Our comprehensive solutions include general liability, professional liability, abuse and molestation coverage, commercial auto, workers’ compensation, and property insurance.
We understand the regulatory requirements, state contracts, and real-world risks these organizations face—whether you’re managing staff, volunteers, or providing in-home services. Our team builds custom policies that align with your mission while helping you stay protected, compliant, and operational. If your services include
transportation,
housing, or
healthcare referrals, we’ll extend your policy to cover every corner of your outreach.
Social Services Expertise
Our specialists will take the time to review your commercial insurance to ensure it’s designed to protect your assets, property, management, employees, volunteers, and those you serve. We’ll conduct a thorough risk review, including reading through all your policy terms and conditions and discussing the limits with you to close any potential coverage gaps. We’ll also review your contractual agreements with clients and vendors to assess what liabilities you may be taking on and what coverages are necessary to address these liabilities. We want to ensure your volunteers are properly covered, individual board members in addition to your organization are insured, and your fundraising activities are protected from liability risks.
Social Services Coverages
We provide products to respond to a wide range of risks:
- Commercial Property
- Commercial General Liability
- Abuse & Molestation Liability
- Excess/Umbrella Liability
- Employment Practices Liability Insurance
- Directors & Officers Liability
- Professional Liability
- Commercial Auto Liability including Hired & Non-Owned Auto
- Cyber Liability
- Workers’ Compensation
Who We Insure
Our broad network of clients in the social services industry include both for-profit and nonprofit organizations:
- Adult & Family Services
- Charities
- Girls & Boys Clubs
- Fraternal Organizations
- Senior Centers
- Charter Schools
- Before & After School Programs
- Counseling Services
- Foundations
We will help you with your safety programs and claims management to mitigate losses and facilitate the claims process in the event of an accident or loss.
Industries We Insure
Explore a wide range of specialty insurance options, each designed to give your business the protection it actually needs—not just generic coverage.
Our Services
We offer a broad spectrum of insurance solutions designed to meet the unique needs of businesses and individuals:
Reliable bonding services to support your contractual and legal requirements.
Protect What You've Built
Your business deserves more than just a policy—it deserves a partner. Let's discuss how Hako Risk & Insurance can help you minimize risks and maximize protection.
