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    • NONPROFITS OWN®
      • Commercial General Liability
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      • Flat Rate D&O
      • Non-Owned/Hired Auto Liability
      • Umbrella Liability
      • Businessowners Property (NIAC)
      • Improper Sexual Conduct and Physical Abuse Liability
      • Social Service Professional Liability
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    • Companion Programs
      • Auto Physical Damage (ANI)
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Home / Coverages / NONPROFITS OWN® / Social Service Professional Liability

Social Service Professional Liability

Social Service Professional covers liability for damages arising from errors and omissions in the providing of professional services. Broad coverage applies to nonprofit professionals, including nurses, educational professionals, veterinary professionals, adoption service employees, aides, assisted living providers, childcare workers, counselors, daycare providers, instructors, mentors, nurse assistants, psycho-therapists, psychologists, resident home care providers and supervisors, social workers, therapists and tutors. Psychiatrists and other physicians must have their own professional insurance.

Enhanced Coverage of NONPROFITS OWN® Social Service Professional

Summaries of key features only. Actual policy language will differ.

  • Defense costs outside the policy limits
  • Separate limits from the General Liability Coverage Form
  • Various limits available: aggregate limit to $3 million
  • Umbrella limits to $10 million available
  • Prior Acts Coverage available for additional charge

Read more…

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From the CLAIMS FILES

Medicine Dosage Error:

THE NONPROFIT

A nonprofit providing home healthcare to the elderly.

THE SITUATION

One of its nurses misunderstood a client’s medication orders and gave the client an improper dosage of medicine that caused his death.

The ensuing litigation was protracted because the prescribing physician was also a defendant, along with the nonprofit and its nurse.

THE RESOLUTION

Eventually NIA was able to settle the nonprofit’s and the nurse’s exposures. Legal defense costs to get that result were in the five-figure range.

Foster Child Death:

THE NONPROFIT

An organization that certifies foster parents.

THE SITUATION

A four-month-old foster child, placed in a home certified by a nonprofit, died in her sleep.

The natural mother, a recovering drug addict, brought a lawsuit against the foster parents and the nonprofit.

THE RESOLUTION

Following the plaintiff’s deposition, during which no breach of duty could be identified, NIA asked for and received a voluntary dismissal of the nonprofit.

No loss was paid and legal costs were in the five-figure range.

Improper Supervision:

THE NONPROFIT

A nonprofit maintained an apartment complex for developmentally disabled adults.

THE SITUATION

One of the nonprofit clients was inappropriately supervised, in violation of applicable statutes, leading to a drowning of the client.

THE RESOLUTION

Despite efforts to resolve the matter, the action went to trial — after which the plaintiffs accepted a settlement for less than the policy limits.

Defense fees and costs were in the five-figure range.

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Insurance Brokers: To submit business, start by filling out a Broker Appointment Questionnaire and find more information on the Working with Us page.

Learn More

  • Flip through our 2021 Annual Report
  • Our Enduring Commitment to the Nonprofit Sector
  • Top 10 Reasons 501(c)(3) Nonprofits Rely on NIA
  • Help Us Win our Fight for Nonprofits in Congress with the Nonprofit Property Protection Act
View Our FAQ
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  • List of Coverages
  • NONPROFITS OWN®
    • Commercial General Liability
    • Directors and Officers Liability
    • Flat Rate D&O
    • Improper Sexual Conduct and Physical Abuse Liability
    • Social Service Professional Liability
      • Social Service Professional Details
    • Employee Benefits Liability
    • Business Auto Liability
    • Non-Owned/Hired Auto Liability
    • Umbrella Liability
    • Auto Physical Damage (NIAC)
    • Businessowners Property (NIAC)
    • Employee/Volunteer Dishonesty (NIAC)
  • Companion Programs

Learn More

  • See States Covered
  • Watch Video
  • FAQs

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  • About
    • Nonprofits Insurance Alliance®
    • Mission & History
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    • Boards of Directors
    • Senior Leadership
    • In the News
    • Videos
    • States Covered
    • Our Members
    • What Our Members Are Saying
    • FAQs
  • Coverages
    • List of Coverages
    • NONPROFITS OWN®
      • Commercial General Liability
      • Directors and Officers Liability
      • Flat Rate D&O
      • Non-Owned/Hired Auto Liability
      • Umbrella Liability
      • Businessowners Property (NIAC)
      • Improper Sexual Conduct and Physical Abuse Liability
      • Social Service Professional Liability
      • Employee Benefits Liability
      • Business Auto Liability
    • Companion Programs
      • Auto Physical Damage (ANI)
      • Businessowners Property (ANI)
      • Employee Dishonesty (ANI)
      • Participant/Volunteer Accident
  • Insurance Brokers
    • Start Here: Working with NIA
    • Submit 501(c)(3) Nonprofit Business
    • Become an Appointed Broker
    • States Covered
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  • Events
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    • Addresses, Phone & Map
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AM Best A IX (Excellent) Rating

The insurance policy, not this website, forms the contract between the insured and the insurer. The policy may contain limits, exclusions, and limitations that are not disclosed in this website. Coverages may differ by state. NIAC, ANI, and NANI are AM Best A IX (Excellent) insurers with 501(c)(3) nonprofit status. Nonprofits Insurance Alliance® is a brand of Alliance Member Services® (AMS).
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Nonprofits Insurance Alliance® (NIA) is a brand of Alliance Member Services® (AMS). © 1996–2022 AMS.