Businesses and non-profits providing services to individuals with Intellectual and Developmental Disabilities (I/DD) or those with mental health diagnoses face unique risks. You serve a vulnerable population and with the proper risk management and insurance program, your business or non-profit can become less vulnerable.
Residential locations and vehicle fleets can pose dangers to client-residents and employees. Providers are exposed to contractual liability through leases on group homes, apartments in the supported or independent living programs, and payor contracts. Damage to a day support building can result in lost revenues.
Other risks that must be addressed include fiduciary liability, data security, and employment issues such as wage & hour claims.
As your risk management partner, Winters-Oliver will spend the time to discuss these risks and others faced by your company. Together we can develop a plan that allows you to focus on your mission and provide peace of mind to you and your staff.
We are experienced and knowledgeable in arranging commercial insurance programs for:
- I/DD Residential Providers
- Supported Living/Independent Living
- Alternative Family Living (AFL)
- I/DD Periodic Services
- Mental Health Providers (including residential)
- Addiction & Recovery Treatment Services
- Day Support Centers
- Applied Behavioral Analysis (ABA)
Winters-Oliver has partnered with many of the country’s leading insurance companies that offer social and human service-specific insurance programs.
We can offer you the following:
- General Liability
- Professional Liability
- Directors & Officers
- Property Insurance
- Cyber Liability
- Workers Compensation
- Business Auto Insurance
- Abuse & Molestation
- Employment Practices Liability
- Umbrella/Excess Liability
- Fiduciary Liability