Social Services & Non-Profit Insurance

Risk Management Solutions Protecting Human & Social Services Organizations

USI’s Human & Social Services Practice delivers leading risk management solutions for a variety of state and private agencies focused on support services for people with developmental disabilities, physical disabilities, mental illness, substance abuse/addiction as well as homeless or low income populations, individuals who are incarcerated or just released and people with certain health needs. Our clients include shelters, residential care facilities, welfare organizations, community programs and many more mission driven organizations.

The risks facing social service agencies are complex, and require careful cost control and accountability. USI advises clients in the Human & Social Services industry in managing business risks related to Property, Business Income / Extra Expense, Crime, General Liability, Professional Liability, Abuse or Molestation, Automobile, Umbrella / Excess Liability, Workers' Compensation, Directors and Officers, Employment Related Practices, Workplace Violence, Cyber Liability and Claims and Risk Control.

USI’s Human & Social Services Practice also offers specialty services including:

  • Alternative Risk Financing Options
  • Experience Modification Review and Analysis
  • Loss Forecasting
  • Limits Benchmarking
  • Liability and Automobile Frequency and Loss Ratio Benchmarking
  • Contract Review and Insurance Policy Compliance
  • Certificate Review
  • Catastrophic Modeling/CAT Facility*, a proprietary USI program for creating pricing and coverage stability for catastrophic risk exposures

* Proprietary and exclusive USI programs.

USI is proud to be the primary broker for The Captive Advantage program, the only known traditionally fronted Captive Program for the Human and Social Services Industry in the United States.

To analyze our clients' business issues and challenges, our Human & Social Services team leverages USI ONE®, a fundamentally different approach to risk management. USI ONE integrates proprietary business analytics with a network of local and national technical experts in a team based consultative planning process to evaluate the client’s risk profile and identify targeted solutions. Clients then receive tailored recommendations for improving their total cost of risk.

Experience the USI ONE Advantage® and let USI’s Human and Social Services team provide the expertise you need to protect your business, so you can focus on your mission. Email to learn more or contact your local USI office today.


A large Human & Social Services client was concerned about rising Workers’ Compensation costs resulting from their organic growth in payroll as well as affiliations with other organizations. With a Guaranteed Cost Premium of over $1,700,000 the client was looking for options to lower their Workers’ Compensation premiums and costs. USI’s Analytics team reviewed historic payroll and loss data to develop an accurate view of expected future Workers’ Compensation claims. Based on the team’s analysis, a High Deductible Program was recommended. Despite being risk adverse, the client entered into a High Deductible Program based on USI’s in-depth analytics review and comfort with USI’s claims management expertise. First policy year results, which are now over 24 months old, show a current net savings to the client of $727,342. This savings is based on comparing the Guaranteed Cost Premium of $1,762,489 versus the High Deductible Program Costs of $460,100, Claims and Expenses of $523,065 and Reserves of $80,982. The second policy year with the High Deductible Program just ended with similar results.


A USI Human & Social Services (H & SS) client focused on serving individuals with complex special needs inquired about the adequacy of their Umbrella and Directors’ & Officers’ (D&O) limits. The client has several residential sites as well as fairly significant automobile and transportation exposure. USI conducted a benchmarking analysis of our H & SS clients in the region and after extensive review and discussion with the client increased the Umbrella and D&O Limits to $10,000,000. The client subsequently incurred a significant Professional Liability loss – which resulted in a settlement of close to $6,000,000. Throughout the claim adjudication process, the Client and its Board of Directors were comfortable with the limits in place – which provided them with peace of mind and enabled them to continue running the organization with uninterrupted services for the community.

Not a client yet?

Speak to a representative at your local USI office today!