Specialty Insurance Programs

Social Services

social service website banner

Social Service Insurance Programs – providing protection and risk management for human services/non-profit organizations

Our social services/non-profit insurance programs are uniquely designed to provide a wide range of special insurance needs for the non-profit sector as defined under IRS code 501 (C)(3).

Helping others is the cornerstone of your organization, but it can be easy to forget that you need protection as well. That’s where our team comes in. Our social services/non-profit insurance program is tailor-made to protect nonprofit agencies, staff, and clients.

Our specialized team takes the time to understand the unique needs of your organization and to provide coverage that protects every aspect of it. Because of our expertise in this area, we have access to many insurance programs which other agencies do not, including coverages which are often difficult to place such as molestation, sexual abuse and directors and officers liability.

We take a holistic, integrated risk management approach in order to provide a comprehensive plan and then match the coverage needs with an insurance company that has the right combination of coverage, service and price. Some of the many different types of social service agencies we help include Community Action Agencies, Boys and Girls Clubs, YMCAs, Scouts, Pathways programs, Big Brothers Big Sisters, Hospice and Palliative Care, Head Start programs and Court Appointed Special Advocates (CASA) associations.

In the event of a claim, we are here to help you through every step. Our caring and understanding team will help with all aspects of the process by not only handling the administrative parts, but also by providing compassion and understanding during a difficult time.

We value your dedication to your community. We understand that your work is important and often very complex. Social service agencies require unique insurance programs that offer a combination of specialty coverages and very competitive pricing, and the team at Raley Watts & O’Neill is ready to help ensure your agency is properly protected.

These are just some of the programs we insure:

  • Substance Abuse Programs
  • Adult Day Care
  • Adoption Agencies
  • Foster Care
  • Hospice Organization
  • Youth Services, Recreational Programs
  • Residential Facilities with or without Treatment
  • Outpatient Mental Health Facilities
  • Outpatient Services to the Disabled
  • Home Healthcare Agencies
  • Meals on Wheels/Food Banks

Types of Coverages:

  • Professional Liability
  • Abuse and Molestation
  • Umbrella/Excess Liability
  • Directors & Officers Liability
  • Property
  • Auto
  • Workers’ Compensation
  • Professional Liability


  • Separate coverage from liability so no dilution of limits
  • Defense limits can be offered outside the liability limit
  • Can cover psychologists, counselors, nurses, social workers, etc.
  • Abuse and molestation
  • Umbrella/Excess Liability

We can include professional and abuse/molestation under the umbrella coverage. Over 30 years of experience have gone into our social services programs. Click on the highlight sheet for more information.