Social Service Professional Liability

Specialized coverage for your professional staff, volunteers, and more!

Nonprofits need to protect staff and volunteers against allegations of vicarious liability, negligence, and errors and omissions in the professional services they provide.

A big benefit of NIA’s Social Service Professional Liability (SSP) coverage is that it protects not only employees and volunteers, but also interns, students-in-training, and individual independent contractors.

NIA’s Commercial General Liability coverage is required if you want to purchase

two young women look at a laptop together

Insured by NIA:
Foster Progress
Chicago, IL

Highlighted features of NIA’s Social Service Professional Liability coverage.

Summary of key features only. Actual policy language may 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 up to $2 million may be available
  • Prior Acts Coverage is available for an additional charge
  • Reimbursement of wages up to $10,000 for an employee suspended from work with pay during an investigation

Broad definition of insured includes the nonprofit organization as well as the medical services provider for counseling, evaluation, and nursing services if that person is a volunteer or employee of the organization.

It also includes all other employees and volunteers, as well as interns, students-in-training, and individual independent contractors.

Nonprofit member (other than medical service providers) is covered for alleged improper oversight or supervision of medical professionals.

See policy conditions applying to medical service providers.

  • Acupuncturists
  • Adoption service employees
  • Aides
  • Assisted living providers
  • Certified nursing assistants
  • Childcare workers
  • Chiropractors
  • Counselors
  • Daycare providers
  • Educators
  • Home health aides
  • Instructors
  • LPNs
  • Mentors
  • Nurse assistants
  • Nutritionists
  • Opticians
  • Phlebotomists
  • Psychotherapists
  • Psychologists
  • Resident home care providers and supervisors
  • RNs
  • Social workers
  • Teachers
  • Therapists
  • Tutors
  • Veterinarians

Coverage checklist

This PDF allows you to print and compare coverage features with your clients.

Policy forms

Available for appointed brokers only on the NIA Broker Portal.

List of coverages:

Here’s the menu of NIA’s nonprofit insurance offerings.

Note: NIA’s Commercial General Liability coverage is required if you want to purchase any other coverages from NIA.

Commercial General Liability

Coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury, or advertising injury. Liquor liability included at no extra fee.

Improper Sexual Conduct and Physical Abuse Liability

Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.

Social Service Professional Liability

Coverage for employees, volunteers, interns, students-in-training, and independent contractors for damages resulting from errors and omissions in the provision of certain professional services.

Directors and Officers Liability (D&O)

D&O, fiduciary, and employment practices (EPLI) coverage for the organization and its directors and officers, employees, and volunteers for allegations of wrongful acts. Affordable flat-rate D&O without EPLI for nonprofits without employees.

Business Auto Liability and Physical Damage

Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.

Businessowners Property

Coverage for the physical assets a nonprofit owns or leases — such as buildings, office equipment, computers, furniture, etc. Generous, modified BOP, includes business income and extra expense.

Participant/Volunteer Accident Coverage

Limited coverage for injury to a volunteer or participant (depending on the coverage) on a no-fault basis. May apply prior to (or in excess of) an individual’s health insurance policy.

Umbrella Liability

While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.

Insurance Brokers: 

Learn more about working with NIA, how to become an NIA appointed broker, or how to submit 501(c)(3) business.