Non-profit & Social Services Insurance

We want to help you grow a healthy organization. As an independent insurance agency, you can rest assured we will always have your interests at heart. Strengthen your operations by taking advantage of all the tools and resources offered to our clients.

Key Distinctions

What makes us different

• Service: We have decades of experience insuring non-profits and social services. We provide our clients the same care you do. Our dedication earned us the exclusive endorsement of the Virginia Network of Private Providers. We are proud to serve.
• Dedicated Account Management: Your organization deserves attention. Each client receives the email and direct phone number of their assigned account manager. Your need is their priority.
• Compliance: Comply with regulatory and contract requirements.
• Claims Advocacy: As a client of our non-profit social services insurance program, any claims are assigned to on-staff claims agents. These are our employees who advocate for you with the insurance company to make sure claims are processed smoothly and settled fairly.
• Return to Work Programs: Lower future impact of work-related injuries to workers compensation premiums up to 70%. Let us help you design and implement an effective RTW program.
• Industry-specific Coverages: More than we can list. Important protections include abuse and molestation, volunteers as insureds, counseling and professional liability, medical malpractice, crisis response, directors and officers liability, employment practices liability, cyber liability, unemployment insurance alternatives, employee dishonesty, ERISA compliance, legal expense for innocent insureds, and more…

We can insure

All non-profits, such as:

• Arts, culture, humanities
• Churches
• Cognitive disabilities
• Community action programs
• Counseling and mental health
• Education
• Environmental
• Faith-based organizations
• Family couseling and family service agencies
• Health and human services
• Hospice
• In-home companion care
• Membership or public benefit
• Easter Seals Societies
• Rehabilitation services
• Schools
• Senior citizen services and centers
• Substance abuse
• United Cerebral Palsy associations
• United Way agencies
• Vocational rehabilitation and training

We Offer

• Property: buildings, contents, equipment
• Liability: general liability, professional liability, medical malpractice, all others…
• Commercial Auto
• Workers Compensation
• All others…

Success!

Non-profit and social service organizations are leaner and operate on thinner budgets than their for-profit counterparts.  But this doesn’t mean they need to skimp on insurance coverage.  On the contrary, Bankers Insurance specializes in this industry and offers tailored non-profit social services insurance packages at industry-leading pricing.  Let us listen to you, understand your organization, and offer a no-obligation risk analysis so you know where your exposures lie.

Depending upon operations, non-profits often have volunteers, members, and clients on-site. If not there, they can be found working out in the community. Wherever your work takes you, whatever your mission, let us offer a non-profit social services insurance package that is big on coverage, lean on price.

Testimonial / Case Study

How we helped Beyond Disabilities avoid premium audits and fill coverage gaps for no additional cost.

Non-Profit Social Services Insurance Highlights

Liability protection for even the toughest non-profit social services insurance classes.

• General Liability
• Professional Liability / Errors & Omissions
• Medical Malpractice – including optional automatically-increasing limits to meet rising settlement caps, such as Code of Virginia § 8.01-581.15.
• Abuse and Molestation coverage
• Umbrella Liability (including abuse/molestation in some cases)
• Directors and Officers Liability, including Directors Fiduciary
• Cyber liability – crucial coverage if your business stores any client medical, health, or personal information.
• Liquor liability (fundraisers)
• Volunteers as insureds
• Employment Practices Liability Insurance
• Legal expense for innocent insureds
• Rental/lease agreement contractual liability
• Medical payments, including members and clients
• Liability due to damage to rented/leased premises
• Employee Benefits Liability
• Blanket additional insureds available

Property coverage protects your organization’s tangible assets. Each non-profit social services insurance package can include:

• All buildings, rented/leased locations, outbuildings, and warehouses
• Business personal property (contents)
• Contents off-site
• Contents of others, including members and clients
• Inventory and stock
• Blanket coverage available
• Business Income with Extra Expense (reference our business income calculator, an MS Excel spreadsheet)
• Computer systems, software, and the expense of data restoration
• Employee dishonesty, including pension plan (ERISA) compliance
• Computers and media
• Money and securities, including that of your clients
• Equipment breakdown
• Flood

• Non-owned (employee-owned or borrowed) vehicle liability: A critical addition to your non-profit social services insurance package. Inexpensive, broad coverage.
  • This coverage is needed if your employees or volunteers drive their own vehicles on behalf of the organization. This could be as simple as picking up mail or going on a supply run. Should they be involved in an accident while working and your organization be sued as a result, non-owned auto liability coverage responds.
• Hired (rented) vehicle liability
  • To protect your organization if it ever utilizes rented vehicles
• Physical damage for volunteers’/employees’ autos and hired/rented autos while used in the service of your organization.
• Owned vehicles
  • Personal passenger type vehicles
  • Vans, trucks, and even semi-tractors and trailers
• Lease / Loan gap
• Rental reimbursement
• Towing and labor
• Blanket additional insured

Workers compensation insurance protects your employees should they be injured in a work-related injury. Health expense and disability coverage related to the injury is unlimited. This coverage is written as a separate policy, but is an important part of a thorough non-profit social services insurance package. Read more on how Bankers Insurance can help control your workers compensation costs.

• Guaranteed cost, traditional programs
• Retrospective rating plans (retro plans)
• High deductible programs
• Self-insured plans
• Risk-retention groups
• Captives
• Experience modification reviews
• Worksite safety programs

Services for Non-Profits and Social Services

We recognize your organization’s effectiveness doesn’t happen by chance. Non-profits succeed through hard work, determination, and the sacrifices of  employees, donors, and volunteers. We want you to win so that you can serve your clients and members with distinction. To that end, we not only offer non-profit social services insurance packages, but a menu of tools and resources to help manage your organization effectively, safely, and with excellence.  Review all of Bankers’ value-added client services.

The below services are offered by Bankers Insurance and/or the insurance carrier.  Services may vary depending upon insurance carrier:

• Assistance in obtaining and maintaining CARF/JCAHO/COA accreditation
• Documented safety manuals and procedures
• Thermographic infrared surveys
• Complete risk surveys and reviews
• Building Valuation
• Employee background screening
• Driver safety programs
• Driver screening and training programs, including defensive driving instruction, 15 passenger van safety, and emergency evacuation training
• Driver monitoring programs
• Emergency evacuation training
• Employee manuals tailored to your non-profit / social service organization
• Best practices assessment / gap analysis
• Contractual liability consultation
• Workers compensation experience modification analysis
• Exposure reduction consultations
• Regulatory guidance

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At Bankers Insurance, the client is always in control.

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We don’t expect clients to be non-profit social services insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

As your insurance agent, we strive to know you. Only then can we suggest coverage that fits your specific business. We look for coverage gaps and offer protection. With us, you get the benefit of: