SOCIAL SERVICES

Social Services Insurance addresses the needs of social service agencies and human service organizations, providing insurance coverage for non-profit and for-profit organizations.

As the Human & Social Services industry grows, so does the risk that social service insurance can protect against.  CBM is familiar with managing risks like non-profits, schools, and churches.  Exposures related to these accounts include:

  • Property
  • Business Income / Extra Expense
  • Crime
  • Professional Liability
  • Abuse or Molestation
  • Automobile
  • Umbrella / Excess Liability
  • Workers’ Compensation
  • Directors and Officers
  • Employment-Related Practices
  • Workplace Violence
  • Cyber Liability

D&O liability insurance is insurance coverage designed to protect directors and officers from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization.

Errors and Omissions Insurance. For professionals, that have “expertise and advice’ exposure – technology firms, consultants, accountants, lawyers, etc. Protect you financially from claims of inadequate work or negligent actions.

Having a commercial umbrella policy to extend above your commercially owned auto and commercial workers comp policy to provide an extra layer of protection in the event of an unforeseen accident.  The extra coverage is something that we highly recommend to all business owners.

Workers’ compensation is required by any business that has employees and would provide protection for your employees in the event they are injured on the job.  Medical bills, doctor visits, and paid time out of work until they can get back on the job.

Additional Insurance Coverage: