Organizations serving people with disabilities carry a duty of care most carriers do not fully understand. We read the regional center or county contract before we go to market.
Regional center and county contracts often demand specific limits and endorsements before you serve a single client. Getting the endorsement wrong can stall a contract.
Your staff support people who may be unable to advocate for themselves. Allegations of mistreatment are handled very differently from an ordinary liability claim.
Staff driving clients to appointments and activities creates auto exposure that often sits outside the vehicles the organization actually owns.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
