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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.

Human Service and Non-profit

Working together to achieve your mission.

Organizations within the human service and non-profit sector are juggling an unpredictable regulatory environment and the growing concern of cyberattacks, all while balancing tight budgets and staff turnover. Our specialized team understands your industry and strives to help you with human service and non-profit liability insurance, employee health and benefits, retirement and wealth planning, and more. We help safeguard numerous organizations, such as:

  • After school programs
  • Behavioral health and substance use care
  • Food banks
  • Museums and art galleries
  • Religious groups
  • Youth associations

Human service and non-profit industry solutions

Our consultants work with you to tailor coverage and services specific to your organization. We provide sustainable health and safety initiatives to help you further your mission.

Human resource strategies

Enhance your human resource strategy, stay compliant, and retain employees with HR Consulting. Our compliance team can also help with your health and welfare plans.

Cyber risk consulting

Protect your organization with data-driven cyber insurance solutions. Get personalized service to assess, mitigate, and insure potential risks.

Employee wellness and retention

Get tools to be the employer of choice while managing costs. Pair sustainable benefits packages and Dimensions of Well-being with powerful tools like Planning and Analytics for Total Health and Rx Solutions.  

Sexual abuse and molestation liability

Assess risk factors and implement prevention strategies for sexual abuse and molestation risks. Safeguard against claims with coverage and expert assistance.

Executive liability and risk management

Manage your personal liability risk. Our in-house risk management team understands your risks and strengthens loss control measures.

Captives and alternative risk

Customize coverage with our exclusive captive programs and alternative risk strategies. Our specialists prioritize long-term stability for risks in the human service and non-profit industry.  

Meet Ashley, a human service industry specialist.

Ashley Savage

Senior Client Service Representative
Schaumburg, IL

Marsh McLennan Agency Alliances

Social Current

The Arc

Frequently Asked Questions

Non-profit insurance coverage and human service insurance 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 needs.

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

In addition to risk management our liability insurance coverage, employee health and benefits and retirement solutions for non-profit and human service organizations aid you in building employee benefits packages. This helps ensure the health and safety of your team and provides a positive experience for your employees.

Marsh McLennan Agency provides non-profits and human service organizations plans that go beyond general liability, 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

These solutions may proactively protect your organization 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 or a legal battle arises, your team 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. Often, you have small budgets, meaning protecting your assets may save money in the long run. You should get any insurance relevant to your 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

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.

Meet a human services and non-profit specialist.