Social & Human Services

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‚Äôs 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
  • Crime
  • Abuse & Molestation
  • Employment Practices Liability
  • Umbrella/Excess Liability
  • Fiduciary Liability