Human & Social Services

Human & Social Services2026-08-17T22:56:25-04:00

Recommended Insurance Products for Human & Social Services

Professional Liability

Errors & omissions: claims that your work, advice or service caused a financial loss.

General Liability

Third-party bodily injury, property damage and advertising injury.

Directors & Officers

Personal liability protection for directors, officers and board members.

Employment Practices Liability

Wrongful termination, discrimination, harassment and retaliation claims.

Commercial Auto

Owned and leased vehicles used in the business.

Workers’ Compensation

Medical costs and lost wages for employees injured on the job. Required in New York.

Common questions about Human & Social Services

Answering the most frequently asked questions about Human & Social Services.

Are volunteers covered under our policies?2026-08-17T22:57:26-04:00

Not consistently. General liability usually covers claims by third parties against volunteers, but injuries to volunteers themselves often fall outside workers’ compensation. Ask specifically how volunteers are treated on each policy.

What does professional liability cover that general liability doesn’t?2026-08-17T22:57:26-04:00

General liability covers physical injury and property damage. Professional liability covers claims that your care, supervision or case decisions caused harm, which is where the substantial claims in this sector originate.

Why does a non-profit board need directors and officers coverage?2026-08-17T22:57:25-04:00

Because board members can be sued personally for governance decisions, and volunteer status is not a defense. Many qualified people will not join a board without it, so it affects recruitment as much as risk.

Do we need commercial auto if staff drive clients in their own cars?2026-08-17T22:57:25-04:00

You need hired and non-owned auto at minimum. The organization can be sued for an accident during client transport even when the vehicle is personally owned and personally insured.

Is abuse and molestation coverage included automatically?2026-08-17T22:57:24-04:00

Rarely. It’s usually an endorsement, frequently sublimited well below your main liability limit, and sometimes excluded entirely. For any organization serving children or vulnerable adults, this is the first thing to verify rather than assume.

Why is directors and officers insurance important for my adoption agency?2024-07-10T10:33:20-04:00

It protects board members and officers from legal expenses related to decisions made on behalf of the organization, such as mismanagement of funds or regulatory failures.

What does commercial auto insurance cover for my community outreach program?2024-07-10T10:32:39-04:00

It covers third-party property damage, medical bills from accidents, and damage from theft, vandalism, or weather events.

Is workers’ compensation insurance mandatory for my senior center?2024-07-10T10:31:56-04:00

Most states require workers’ compensation insurance for businesses with employees to cover workplace injuries.

How does professional liability insurance protect my nonprofit organization?2024-07-10T10:31:15-04:00

It covers legal expenses related to claims of negligence or mistakes made while providing services.

What type of insurance do I need for my daycare center?2024-07-10T10:30:15-04:00

You need general liability insurance, a business owner’s policy, and possibly workers’ compensation if you have employees.

Reviews from Semper Insurance clients

110-35 72nd Rd, Forest Hills

5.0 23 reviews

  • Lisa Duffner’s Avatar Lisa Duffner ★★★★★ 9 months ago
    I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget.
  • Justin Wheeler’s Avatar Justin Wheeler ★★★★★ 11 months ago
    We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
  • Grigoriy Priev’s Avatar Grigoriy Priev ★★★★★ 12 months ago
    Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks

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