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.
Types of Human & Social Services we serve
Common questions about Human & Social Services
Answering the most frequently asked questions about Human & Social Services.
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.
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.
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.
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.
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.
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.
It covers third-party property damage, medical bills from accidents, and damage from theft, vandalism, or weather events.
Most states require workers’ compensation insurance for businesses with employees to cover workplace injuries.
It covers legal expenses related to claims of negligence or mistakes made while providing services.
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 ★★★★★ 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 ★★★★★ 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 ★★★★★ 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
We Are Semper Insurance
Semper Insurance is a lot of things – we’re a small business headquartered in New York, a licensed insurance broker – but first and foremost, Semper Insurance is a collection of passionate team members working hard to solve our Human & Social Services clients problems.
Our trusted partners
We work with the nation’s largest, most reputable insurance companies.






