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Ohio Social Services Insurance: Protection for the people who help others.

Group homes, home care, counseling, day programs and youth services work closely with people who depend on them. We're an independent agency in Marion and Powell, so we compare several carriers and build a package around your mission and your funders.

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The Quick Answer

Ohio nonprofits and social service agencies typically need general liability, professional liability for the services they provide, abuse and molestation coverage (which may be needed or required by funders and contracts), directors and officers (D&O) liability for the board, hired and non-owned auto when staff drive clients in their own cars, EPLI, and bonds or crime coverage for funds. Workers' comp comes through the Ohio Bureau of Workers' Compensation (BWC). eGoodwin Insurance is an independent agency in Marion and Powell that compares multiple insurance companies. Call (740) 387-8335.

Often required: Abuse & molestation coverage
For your board: Directors & officers liability
Staff driving clients: Hired & non-owned auto
Call first: (740) 387-8335

Social Services Insurance, The Short Version

Your work is about people. So are your risks.

Organizations in the business of helping others take on a particular kind of responsibility. Staff work one-on-one with children, older adults and people with physical or intellectual disabilities. Clients ride in staff cars. Boards make decisions about money that came from donors and grants. A standard small-business policy wasn't built for that.

The core is general liability and professional liability for the services you provide. Most organizations that serve vulnerable people also need abuse and molestation coverage, which is often excluded or limited elsewhere and may be needed or required by funders, licensing bodies or contracts. Your board needs directors and officers liability, and your staff need EPLI behind them.

Two more pieces get missed. When staff drive clients in their own cars, hired and non-owned auto may help protect the organization if there's an accident. And because you handle donor and grant money, bonds and crime coverage may help if funds are stolen. Nothing on this page is legal or regulatory advice.

What a social service agency needs. Built around the people you serve.

Every organization is different, but most programs come together from these pieces.

Core

Liability

General Liability

Injuries at your office, program site or events, and damage to someone else's property. It's what landlords, partners and funders will ask a certificate for.

Core

Prof. Liability

Professional Liability

Claims tied to the services you provide, like counseling, care or case management. It responds where general liability typically doesn't.

Often required

Abuse

Abuse & Molestation

Coverage for allegations of abuse or molestation, which is often excluded or limited on other policies. It may be needed or required by funders, licensing bodies or contracts.

Your board

D&O

Directors & Officers

Protects board members and officers against claims tied to their decisions, like mismanagement of funds. Helps you recruit and keep good board members.

Staff drivers

Auto

Hired & Non-Owned Auto

Staff driving clients or running errands in their own cars or rentals. This may help protect the organization if there's an accident. Agency-owned vans need commercial auto.

Your team

EPLI

Employment Practices Liability

Responds to claims like wrongful termination, discrimination and harassment. Staff turnover in care work makes this an important conversation.

Funds

Bonds

Bonds & Crime

Employee theft, forgery and funds-transfer fraud. Some grants and contracts also require a bond. We can help with both.

Ask us

Property

Property & Equipment

Your office or residence, furniture, records and electronic equipment. Group homes and day program sites each need a look.

Ohio rule

BWC

Workers' Compensation

Ohio is a monopolistic state, so workers' comp comes through the Ohio Bureau of Workers' Compensation (BWC). We help you coordinate and review it, and look at stop-gap employer's liability.

Got a new grant or contract with insurance requirements?

Send us the requirements page. We'll compare it with what you carry today, tell you where the gaps are and shop what's missing. Free, no pressure.

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Who we insure. Organizations that help others.

Whether you run one program or several, the package depends on who you serve, where you serve them and how your staff get around.

Non-medical home care

Caregivers in clients' homes. Professional liability, abuse coverage, bonds and non-owned auto for caregivers who drive.

Group homes & residential programs

Supported living and residential programs. Property for each site, liability, abuse coverage and a close look at staffing.

Counseling & behavioral programs

Counseling, recovery and support programs. Professional liability and client-data protection are central.

Adult day programs

Day programs for older adults and people with disabilities. Liability, abuse coverage and transportation questions.

Youth services

After-school, mentoring and youth programs. Abuse and molestation coverage is often required by funders and partners.

Nonprofit boards

Boards of food banks, shelters, advocacy groups and community centers. D&O and crime coverage protect the people and the funds.

How We Help

We shop it. Then we stay with it.

We're an independent agency, which means we represent multiple insurance companies and work for you, not an insurance company. We shop your coverage across several carriers, compare what comes back, and walk you through the differences in plain English. Mark Goodwin has been a licensed insurance professional since 1990, and our offices in Marion and Powell work with businesses across Ohio.

We read the funder's requirements with you

Grants, contracts and licensing bodies often spell out exactly what coverage and limits you need. Send us the language. We'll compare it with your current program, point out the gaps and help you meet the requirements without buying what you don't need.

Certificates, renewals and changes

Landlords, lenders, management companies and contracts often ask for a certificate of insurance or additional insured wording. Send us the request and the contract language, and we'll work to turn it around quickly. At renewal, and any time your business changes, we review the program again and re-shop it when it makes sense.

Need a certificate for a funder or partner?

Send us the request and the contract language. We'll work to turn it around quickly with the right additional insured wording.

Get My Free Quote Call (740) 387-8335

Social services insurance questions. Straight answers.

What insurance does a social service agency need in Ohio?

Most organizations start with general liability and professional liability. Many add abuse and molestation coverage, directors and officers liability, hired and non-owned auto, EPLI, and bonds or crime coverage. Workers' comp comes through the Ohio Bureau of Workers' Compensation (BWC).

Why do funders ask for abuse and molestation coverage?

Organizations that serve children, older adults or people with disabilities face the risk of abuse allegations, and that coverage is often excluded or limited on standard policies. Abuse and molestation coverage may be needed or required by funders, licensing bodies or contracts. Send us the requirement and we'll match it.

Does our board need D&O insurance?

It's worth having. Directors and officers liability protects board members and officers against claims tied to their decisions, like mismanagement of funds or employment decisions. Many people won't join a board without it.

Our staff drive clients in their own cars. Are we covered?

Not automatically. The driver's personal auto policy usually responds first, but the organization can still be pulled into a claim. Hired and non-owned auto coverage may help protect the organization. Vehicles the agency owns need commercial auto.

What are bonds and crime coverage for?

Crime coverage may help if an employee steals funds, a check is forged or money is lost to funds-transfer fraud. Some grants and contracts also require a fidelity bond. We can help with both.

Do we need professional liability if we already have general liability?

Usually, yes. General liability covers injuries and property damage. Professional liability responds to claims tied to the services you provide, like counseling, care or case management.

What kinds of organizations do you insure?

We work with non-medical home care, group homes and residential programs, counseling and recovery programs, adult day programs, youth services and nonprofits like food banks, shelters and community centers. Some types of organizations are harder to place, so tell us everything you do.

How does workers' comp work for our staff in Ohio?

Ohio is a monopolistic workers' comp state, so employers get coverage through the Ohio Bureau of Workers' Compensation (BWC), not private carriers. We don't sell it, but we help you coordinate and review it and look at stop-gap employer's liability on your business policy.

Still have questions? Call (740) 387-8335. We'll give you a straight answer.