Social Service Agency - American Professional Agency

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Tailored specifically for Social Service Agencies, our insurance program offers the essential coverage needed to protect your agency and the critical work you do. Our professional liability plans are crafted to meet the unique needs of your social service agency. With a strong commitment to exceptional service, we handle your coverage so you can focus on supporting individuals and communities in need. Our flexible coverage options ensure that your agency is safeguarded, allowing you to continue making a meaningful impact through your social service work.

Coverage Overview

Telehealth Best Practices

Your Policy covers you for Telehealth. Visit our resources pages for information on Telehealth Best Practices. Click here for Telehealth Information

Agency-wide coverage including all employees

Protection for directors, trustees, and executive officers

Dedicated team understanding agency-specific needs

Specially designed no-deductible protection

The Agency is protected for volunteers and students

Volunteers and Students are protected personally

Additional Benefits

Insureds can call, email, or chat during business hours to get the answers to your most pressing Risk Management questions.

Unlike the competition, with APA, Inc. there are no out of pocket expenses

Additional Resources

Renewal applications may vary by state and coverage may not be available in all states. Some renewals may require more than a single form. Please read descriptions carefully. You may have the ability renew your application by logging in to your account.

Social Service Agency - Renewal Application (All states except KS & ND)

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Social Service Agency - Renewal Application (KS)

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Social Service Agency - Renewal Application (ND)

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The following are valid with effective dates After 4/1/2022

Social Service Agency Policy Contract Claims Made

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Social Service Agency Policy Contract Occurrence Based

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Risk & Insurance

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Program Benefits and Highlights

Specially designed no-deductible protection against claims which arise from professional services by your Agency, including the Agency’s liability for acts of employees.
your Agency is insured in its own name and the policy covers individual employees while working under the auspices of the Agency. In the event of a professional liability suit against the Agency and an employee on your staff, the policy will protect both.
This blanket protection includes employees, directors, trustees, and executive officers while acting within the scope of their duties as such.
The Agency is protected for volunteers and students and they are protected personally.
An automatic coverage of additional employees hired during the policy term.
Employed psychiatrists* may be included except in Massachusetts, Pennsylvania, and Wisconsin.

*Psychiatrists are not covered unless you tell us about them in the application and a premium charge is shown for them in the policy. Physicians (other than Psychiatrists) cannot be covered.

All Social Service Agency FAQs

This blanket protection includes employees, directors, trustees, and executives while acting within the scope of their duties as such.

Employed psychiatrists may be included except in Massachusetts, Pennsylvania, and Wisconsin.

Please submit the completed application with a description of all services provided via email to agency@americanprofessional.com or you may fax it to us at (631) 608-1051. Should you have any questions please contact our office at (800) 421-6694 and ask for the Social Service Agency department.

• $35,000 in defense costs for proceedings coverage which includes licensing board defense coverage with an option to purchase higher limits. • $25,000 for information privacy coverage which provides defense expenses and damages for federal and state regulators who investigate you for a violation of the privacy protection statutes (HIPAA). • $15,000 for Emergency Aid expenses reimbursement for medical supplies and up to $100 for lost earnings due to the provision of volunteer emergency treatment. • 25,000 for Assault or Battery coverage that reimburses you for medical expenses and/or personal property damage caused by a client.

The first limit is the maximum that will be paid for each individual claim. The second limit is the maximum annual amount that will be paid during the policy period.

Resources for Social Service Agencies

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Risk Management Resources

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Any information related to costs, premiums, or coverage provided before receiving an official customer quote from American Professional Agency, Inc. is merely an estimate and not guaranteed. Actual cost, premium, and coverage are dependent upon various unique factors associated with each individual risk. Customer quotes are contingent upon the information supplied and are subject to underwriting and rating evaluations. Until a formal quote is issued, all content on the website, email communications, or in advertisements should be viewed solely as examples for informational purposes, lacking any offer or guarantee of premium or coverage. Additionally, the coverage terms and conditions are dictated by the specific policy issued, and any explanatory information provided does not in any way alter the terms of the policy or confirm the existence of coverage.

2025 American Professional Agency, Inc.