Human Service and Non-profit

Non-profit insurance coverage and human service insurance helps protect 501(c)(3) companies and human service organizations from a potential risk or claim that could occur during normal operations.

A non-profit is a legal entity organized and operated for a collective, public, or social benefit. This is different from a normal for-profit business that generates income for an owner.

A human service organization is a company that strives to deliver beneficial necessities to a society or group. These can include older adults, low-income, or sick people. This line of work hosts programs or facilities that meet people’s basic health, welfare, and educational needs.

Non-profit and human service insurance coverage can help protect you from accidents, oversights, or misunderstandings that may trigger liability lawsuits. It can also help non-profit and human service organizations face legal issues from volunteers, donors, employees, and government regulators.

In addition to risk management our liability insurance coverage, employee health and benefits and retirement solutions for non-profit and human service organizations aid you in building employee benefits packages. This helps ensure the health and safety of your team and provides a positive experience for your employees.

Marsh McLennan Agency provides non-profits and human service organizations plans that go beyond general liability, including:

• Business income insurance
• Commercial auto insurance
• Commercial property insurance
• Data breach and cyber liability insurance
• Directors and Officers insurance (D&O)
• Employment practices liability insurance
• General liability insurance
• Health insurance

These solutions may proactively protect your organization from vulnerable situations or possible risks that could harm you, your employees, or your volunteers.

The importance of human service insurance coverage can’t be overstated. When a critical situation or a legal battle arises, your team can go through a lot. If this happens, you are subject to large costs and reputational damage. Productivity loss can also leave your organization grasping for straws.

It’s better to be safe when it comes to non-profit business operations. Often, you have small budgets, meaning protecting your assets may save money in the long run. You should get any insurance relevant to your industry or area of work to keep things running smoothly, no matter what event or crisis may occur.

Employee health and benefits and retirement savings plans are also beneficial options for any 501(c)(3) or human service business. Having a holistic employee solution for your team will help them feel valued and may increase retention and loyalty to your organization.