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Social Services Professional and General Liability

Minimum Premium

Beyond traditional medical malpractice insurance, NAS offers expanded PL/GL coverage to meet the growing needs of personal, family and community services organizations. 

Brian Alva
Vice President
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Matthew Thoburn
Assistant Vice President
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Justin Sanches
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  • Occurrence GL is available
  • Sexual misconduct up to a $1,000,000/$3,000,000 limit
  • $2,000,000 sexual abuse limit available when required by contract
  • Hired and Non-owned Auto coverage available up to $1,000,000 limit
  • Evacuation Expense
  • Defense outside the limits is available by endorsement
  • First dollar defense coverage
  • Up to $250,000 sub-limit for MEDEFENSE® Plus (includes HIPAA violations)
  • Up to $1,000,000 Limit for e-MD® cyber liability (includes breach response costs)
  • Reputational Harm Coverage
  • Disciplinary Proceedings Coverage
  • Extended reporting period is available


Stand-alone Professional:

  • $6,000,000 each claim/$8,000,000 aggregate

Combo - GL and Professional

  • $6,000,000 professional liability limit
  • $6,000,000 commercial general liability limit
  • $6,000,000 products/completed operations limit
  • $6,000,000 personal & advertising injury limit
  • $5,000 medical expense limit
  • $50,000 fire legal liability limit
  • $8,000,000 aggregate all coverages

Excess Liability - GL and Professional - Limits up to:

  • $5,000,000 each claim/$5,000,000 aggregate


Minimum Premium: $1,500

Mimimum Deducitble: $0


Eligible classes include, but are not limited to, the following:

  • Inpatient Mental Health & Substance Abuse/Rehabilitation Facilities
  • Transitional Living Facilities (Homeless Shelters, Halfway Houses, etc.)
  • Group Homes for the Developmentally Disabled
  • Methadone Clinics
  • Adult Day Care & Sheltered Workshops
  • Meals on Wheels
  • Outpatient Mental Health Counseling (Family, Behavioral, Substance Abuse, etc.)
  • Psychiatrists
  • Employee Assistance Programs
  • Referal Agencies
  • Respite Care
  • Crisis Hotlines
  • Day Schools for the Developmentally Disabled


Ineligible Classes: 

Foster Care Exposures, Adoption Agencies, Juvenile Detention Centers

Ineligible Territories: 


special features

Sub-limits of MEDEFENSE® Plus and e-MD® provide coverage beyond standard Professional and General Liability insurance to address the growing regulatory and patient data risks facing human services organizations.

NAS offers both coverages up to $100K sublimit in the Social Services program

$2 Million limits available for Sexual Misconduct when required by contract



Social Services Highlight Sheet


Social Services GL Application