Coverage for the people who care for others.
Professional and general liability, abuse coverage, auto and management liability for developmental disability, foster care and adoption, youth residential and social service agencies.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Vulnerable clients, specialized coverage
Human services agencies serve vulnerable people, often in their homes, residences or vehicles. Claims involve allegations of improper care, abuse and transportation accidents.
Specialty programs combine professional and general liability with abuse and molestation, auto for client transport, and D&O for boards. I place agencies with markets dedicated to the class.
- Professional and general liabilityClaims about services and care.
- Abuse and molestationAllegations involving clients.
- AutoStaff and volunteers transporting clients.
- D&OBoard and management decisions.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Programs: services and settings.
- Clients: number and populations served.
- People: staff and volunteers.
- Residential: overnight or residential care.
- Transportation: client transport.
- History: current policies and loss runs.
Human services insurance, answered
Why is abuse coverage important for human services?
Agencies serve vulnerable clients, and many general liability policies exclude abuse claims.
Are staff driving clients covered?
Hired and non-owned auto or a commercial auto policy covers that. Disclose how often staff transport clients.
Does the board need D&O?
Yes. Nonprofit boards are often required to carry it by funders.
Can foster care agencies get coverage?
Yes, through specialty programs that write placement agencies.
Do you offer human services agency insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Send your programs. I'll shop it.
Your services, clients and staff counts are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued. Some policies may be placed with nonadmitted (surplus lines) insurers, which are not members of the California Insurance Guarantee Association (CIGA).
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.