Skip to main content

As the situation in Ukraine evolves, businesses should be mindful of potential risks to their people, assets, operations, or supply chains in the region and globally. Marsh, as part of the Marsh McLennan family of companies, has created a page with information, tools, and resources related to the Russia-Ukraine conflict. Please visit the page for the latest information.

Marsh McLennan Agency logo

Human Services and Non-Profit

The top priority of non-profits and social services organizations is caring for others. Risk management and your employees’ well-being are ours.

Marsh McLennan Agency doesn’t just serve your organization—we practically become part of it to help you thrive and impact the world.

  • Funding
  • Regulatory compliance
  • Reputation
  • Staffing and employee turnover

Human Services and Non-Profit Industry Services

We understand the full range of challenges faced by non-profits and can provide the services needed to protect your organization and help you succeed.

Property & Casualty

We offer a full line of property and casualty insurance coverage, providing comprehensive, cost-effective solutions for your organization and employees.

Employee Health & Benefits

Our employee benefits solutions will help you balance the health and wellbeing of your employees with your bottom line.

HR Consulting

We evaluate your HR needs using the appropriate tools, which may include employee surveys, policy audits and other assessments. We’ll then develop and execute a plan while tracking progress along the way.

Safety and Loss Prevention

We evaluate and revamp your safety and disaster recovery protocols to improve your claims history, lower your premiums, and expand your financial resources.

Cyber Risk Advisory Practice

Cyber risk is real—even for non-profits. Our Cyber Risk Advisory Practice specializes in technical and complex program design to keep your organization’s data out of the wrong hands while protecting it from costly cyberattacks.

Retirement & Wealth

We help you navigate uncertain waters to create a successful 401(k) or 403(b) retirement plan for your organization.

Surety

We work with you to bond even your most difficult surety projects, reduce your costs, and streamline the overall process.

Executive Liability

Our professionals leverage their experience to protect the assets of your organization and those of your directors and officers.

Risk Management

Our Risk Control Center, professional liability assessments and safety and risk control services help prevent financial difficulties at your organization.

Tailored Coverages for Human Services and Non-Profit

  • Cyber Liability
  • Defense Base Act (DBA) Insurance
  • Directors and Officers (D&O) Liability
  • Excess Liability

Meet Ashley, a human services industry specialist.

Ashley Savage

Senior Client Service Representative
Schaumburg, IL

Learn More

Frequently Asked Questions

Non-profit insurance coverage helps protect 501(c)(3) companies and human service organizations from a potential risk or claim that could occur during normal operations.

A non-profit is a legal entity organized and operated for a collective, public, or social benefit. This is different from a normal for-profit business that generates income for an owner.

A human service organization is a company that strives to deliver beneficial necessities to a society or group. These can include older adults, low-income, or sick people. This line of work hosts programs or facilities that meet people’s basic health, welfare, and educational requirements.

Non-profit and human service insurance coverage can protect you from accidents, oversights, or misunderstandings that may trigger liability lawsuits. It can also help non-profit and human service owners face legal issues from volunteers, donors, employees, and government regulators.

On top of risk management or liability coverage, employee health and benefits and retirement solutions for non-profit and human service organizations help you build employee benefits packages. This helps ensure the health and safety of your team and provides a positive experience.

Marsh McLennan Agency provides non-profits and human service organizations a wide range of plans, including:

  • Business income insurance
  • Commercial auto insurance
  • Commercial property insurance
  • Data breach and cyber liability insurance
  • Directors and officers insurance (D&O)
  • Employment practices liability insurance
  • General liability insurance
  • Health insurance
  • And more

These solutions can proactively protect your company from vulnerable situations or possible risks that could harm you, your employees, or your volunteers.

The importance of human service insurance coverage can’t be overstated. When a critical situation arises or a legal battle begins, your company can go through a lot. If this happens, you are subject to large costs and reputational damage. Productivity loss can also leave your organization grasping for straws.

It’s better to be safe when it comes to non-profit business operations. These organizations often have small budgets, meaning protecting their assets will save them money in the long run. These organizations should get any insurance relevant to their industry or area of work to keep things running smoothly, no matter what event or crisis may occur.

Employee health and benefits and retirement savings plans are also beneficial options for any 501(c)(3) or human service business. Having a holistic employee solution for your team will help them feel valued and may increase retention and loyalty to your organization.

If your organization is a 501(c)(3) or in the human service industry, you will benefit from insurance. This could include:

  • Alumni non-profit associations
  • Business non-profit associations
  • Charitable foundations
  • Civic non-profit associations
  • Political clubs
  • Professional non-profit associations
  • Recreation clubs
  • Trade non-profit associations
  • And more

Here is a list of common sub-industries that Marsh McLennan Agency serves:

  • Behavioral Health/Substance Use
  • Community Outreach Programs
  • Clubs
  • Community Action Programs, Food Banks
  • Education, After School Programs, Head Starts
  • FQHCs
  • Goodwill, Sheltered Workshops
  • Museums and Art Galleries
  • Services for Intellectual and Developmental Disabilities (IDD)
  • Shelters and Housing
  • Sober Living
  • Youth Associations

Even a simple general liability insurance policy helps protect non-profits from injury, advertising, and property damage claims. It will also cover certain defense costs, including court prices, witness and attorney fees, and judgment or settlement money. This level of protection can help ensure that the organization doesn’t have to worry about something uncertain happening.

If your non-profit or human service organization is uninsured, reach out to Marsh McLennan Agency to learn more about our professional liability coverage solutions.

Featured Insights

Portrait of a volunteers working in community charity donation center. Volunteers putting clothes and other supplies in donation boxes. Focus on a volunteer or a social worker man making notes.

Navigating the storm: Risk management strategies for human service and non-profit organizations

10/31/2023
Dad reading to two kids in library

How the human service and non-profit industry can positively impact society and people's lives

08/11/2023
In the Hospital Two Doctors Standing in Elevator and have Discussion while Using Tablet Computer. New Modern Fully Functional Medical Facility.

Federal Tort Claims Act (FTCA) and other potential legislative barriers for FQHCs

11/22/2022
More Insights