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Over 30yrs of experience have gone into our Social Services program.

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RWO Brochure

Social Services

We value your dedication to your community. We understand that your work is important and often very complex. Social Service agencies demand unique insurance programs that offer a combination of specialty coverages and very competitive pricing.



These are just some of the programs we insure:

  • Substance Abuse Programs
  • Adult Day Care
  • Adoption Agencies
  • Foster Care
  • Hospice Organization
  • Youth Services, Recreational Programs
  • Residential Facilities with or without Treatment
  • Outpatient Mental Health Facilities
  • Outpatient Services to the Disabled
  • Home Health Care Agencies
  • Meals on Wheels/Food Banks



    • Types of Coverages:

  • Professional Liability
  • Abuse and Molestation
  • Umbrella/Excess Liability
  • Directors and Officers Liability
  • Property
  • Auto
  • Workers Compensation



    • Professional Liability

  • Separate Coverage from Liability so no dilution of limits
  • Defense limits can be offered outside the liability limit
  • Can cover Psychologists, Counselors, Nurses, Social Workers, etc...


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    Abuse and Molestation

  • Separate Coverage from Liability so no dilution of limits
  • Defense limits can be offered outside the liability limit


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    Umbrella/Excess Liability

  • We can include Professional and Abuse/Molestation under the Umbrella coverage


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