What We Cover

Professional Liability Insurance for Non-Profits

Also known as Errors & Omissions insurance, Professional Liability addresses the gaps left by general liability — so you stay focused on your mission while we guard your reputation and assets.

What It Covers

Allegations of wrongdoing — alleged misconduct, neglect, or unintentional harm to the foster child
Legal defense costs, even if the claims made are without merit
Mental and emotional claims — emotional distress or psychological effects on the child
Coverage beyond basic homeowners insurance, which often leaves gaps for foster care specifically

Worth Confirming

Standard homeowner’s insurance alone — it typically doesn’t address the unique challenges of foster care, which is exactly the gap this coverage fills

Why Baker Romero

Specialists, not
generalists.

Tailored Coverage

Crafted to align with your specific services and operations

Competitive Pricing

Industry relationships that translate into competitive rates

Informed Expertise

A finger on the pulse of non-profit-specific challenges

Seamless Claims

A streamlined, dedicated approach to a stressful situation

How It Plays Out

An illustrative
example.

A client alleged that advice given by a nonprofit’s counseling staff caused harm. Professional Liability covered the legal defense while the claim was investigated and resolved.

Illustrative only — not a specific client case.

Who Needs This

Organizations we place
this for.

Group Homes

Services for the Disabled

Questions

Questions we
get asked.

Is professional liability insurance the same as general liability insurance?

No — general liability covers bodily injuries or property damage, while professional liability focuses on errors or omissions in the services you provide.

We're a small non-profit. Do we still need this coverage?

Yes — even smaller nonprofits can face claims related to their services, and the financial impact can be significant.

How do we determine the right coverage amount?

Our team will assess the scope of your operations, potential risks and other factors to recommend an appropriate coverage level.

Related Coverages

Coverages that often
go with this one.

Abuse & Molestation

Foster Parent Professional Liability

Let’s find the right fit.

Tell us how your organization actually runs and we’ll tell you what you need — or call and ask for Lillian.