Shelter from the Storm

// June 7, 2018
Reading Time: 3 minutes

Temperatures are warming up and school is letting out, but one thing that remains constant regardless of the time of year is people in need of help. There are and always will be circumstances that lead people to seek various types of assistance such as counseling, food banks, health care support, special needs services or substance abuse relief, to name a few. Assistance knows no discrimination; people of all ages, races and demographics can find themselves in need of help.

There are also various levels of help. While support can occasionally be sought through one appointment, one meal or one meeting, the need is usually not met after one time. It usually takes multiple sessions or long-term plans to fulfill the needs of those struggling. In addition to the types of services like counseling sessions or youth mentoring meetings, many find themselves or loved ones needing more around-the-clock help in the form of residential care.

The Center for Disease Control (CDC) reports that there were over 30,000 residential care facilities in the U.S. in 2014, with that number increasing and the number of beds in those facilities increasing more quickly. Residential care facilities can accommodate abused or homeless adults, those transitioning, handicapped or developmentally disabled, and more.

Social service organizations offering both outpatient and residential assistance are crucial in helping individuals of various backgrounds and needs. They can find themselves liable for claims that include but are not limited to:

  • Bodily injury
  • Physical and sexual abuse
  • Contract violations
  • Breach of duty
  • Discrimination
  • Misappropriation of funds
  • Defense costs

With the growing number of nonprofit organizations catering to this need assistance, USLI offers a variety of insurance and value-added solutions for them under the Nonprofit Package team’s Social Services product. Our comprehensive package policy offers:

  • General liability
  • Professional liability
  • Property
  • Abuse and molestation
  • Directors and officers
  • Employment practices
  • Hired and non-owned auto
  • Special events
  • Crime

In addition, our newly broadened Social Services product classes include, but are not limited to, youth community centers, learning disorder services, mental health counseling and programs for those with special needs. We have recently expanded our appetite to include more residential care exposures as well.

USLI’s Business Resource Center also provides value-added resources that greatly benefit social service organizations, such as digital permission slips and waivers, discounted background checks, marketing resources, cyber breach information and much more.

Please contact your Nonprofit Package underwriter today for more information about our ever-growing Social Services product!


As always, thank you for your support and business!

Jessica KnoppContact Jessica Knopp,
Product Leader| 888-523-5545 Ext. 2114

Jordan HahnContact Jordan Hahn,
Assistant Product Leader| 888-523-5545 Ext. 2851

Written by Kristin Logan
June 7, 2018