Industry Intel
Key coverages, common gaps, red flags, and questions that open doors.
Daycare & Childcare
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Critical Coverages
- Workers' comp for childcare staff — high injury rate, often miscoded
- Abuse & molestation liability — essential, often missing or sublimited
- General liability for on-site injuries to children
- Professional liability if they provide any therapy or special needs care
Key Questions to Ask
"Do you have part-time or seasonal staff? How does your workers' comp handle that?"
"Have you had any workers' comp claims in the last 3 years?"
"Does your policy include abuse and molestation coverage? What's the limit?"
Red Flags in Their Current Policy
WC class code doesn't match childcare workers — miscoding = overpaying
A&M coverage is a sublimit under GL rather than standalone
No coverage for field trips or off-site activities
Best Carriers
- Hartford (WC strength), Philadelphia (A&M), Church Mutual
Home Health
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Critical Coverages
- Workers' comp for aides — one of the most expensive and complex WC lines
- Professional liability for licensed staff (RNs, LPNs, therapists)
- Non-owned auto / hired auto — aides driving between clients
- Abuse & molestation for in-home care workers
Key Questions to Ask
"Are your aides classified as W2 employees or 1099 contractors?"
"Do your aides drive their own vehicles between clients? Are they covered for that?"
"What's your experience mod on workers' comp right now?"
Red Flags in Their Current Policy
1099 aides treated as employees for WC — massive audit exposure
No non-owned auto coverage — every aide driving to clients is uninsured exposure
Professional liability doesn't cover the specific services being provided
Best Carriers
- USLI, Hartford (WC), Great American
Housing & Shelter
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Critical Coverages
- Property — transitional housing often under-insured or misvalued
- Abuse & molestation — residential programs are high-exposure
- General liability for resident incidents
- D&O for nonprofit board managing federal/state housing funds
- Fortegra custom program — built for exactly this industry
Key Questions to Ask
"Is your property covered at replacement cost or actual cash value?"
"Do you serve residents with behavioral health histories? How does your policy handle incidents involving them?"
"Does your board have D&O coverage?"
Red Flags in Their Current Policy
Property insured at ACV not replacement cost — major gap for transitional housing
No standalone A&M — residential programs need this desperately
Standard commercial policy not designed for transitional housing exposures
Best Carriers
- Fortegra (custom program — your biggest advantage), Philadelphia, Church Mutual
IDD Services
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Critical Coverages
- Abuse & molestation — among the highest-risk populations for this exposure
- Professional liability for DSPs and licensed staff
- Workers' comp — DSP injury rates are high, class codes often wrong
- General liability for residential and day program incidents
Key Questions to Ask
"Are your direct support professionals classified correctly on your WC policy?"
"Do you have standalone abuse and molestation coverage, or is it a sublimit?"
"What's your staff-to-client ratio? Do you have behavioral support plans in place?"
Red Flags in Their Current Policy
DSP WC class code is wrong — extremely common, results in overpaying
A&M is sublimited at $100K or less — dangerously low for this population
Residential IDD covered under same policy as day program without distinction
Best Carriers
- USLI, Philadelphia, Great American
Religious Organizations
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Critical Coverages
- Property at replacement cost — historic buildings are chronically undervalued
- Abuse & molestation — especially critical for youth ministry and counseling
- D&O for church board and leadership
- Special event coverage if they rent out the facility
- Volunteer liability
Key Questions to Ask
"When was the last time your building was appraised for insurance purposes?"
"Do you run any youth programs, counseling, or community services out of the building?"
"Do you rent your space out for events? Are those renters required to have their own insurance?"
Red Flags in Their Current Policy
Building insured at ACV not replacement cost — huge issue for older sanctuaries
Community programs (food pantry, daycare, counseling) not scheduled on the policy
Rental events not covered — liability exposure every time they rent the space
Best Carriers
- Church Mutual (purpose-built), Philadelphia, Chubb (larger organizations)
Youth Services
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Critical Coverages
- Abuse & molestation — the most critical coverage for any org working with minors
- Volunteer liability — most youth orgs are heavily volunteer-run
- General liability for off-site activities and field trips
- Professional liability if they provide any counseling or mentoring services
Key Questions to Ask
"Do you run background checks on all volunteers and staff?"
"What's your abuse and molestation limit? Is it standalone or a sublimit?"
"Do you run summer programs? Is your coverage year-round?"
Red Flags in Their Current Policy
No volunteer liability coverage — volunteers are not covered under WC
A&M is excluded or sublimited — one incident can be devastating without this
Coverage is school-year only — summer programs left exposed
Best Carriers
- Philadelphia, Church Mutual, USLI
Substance Abuse Treatment
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Critical Coverages
- Professional liability for licensed counselors and clinical staff
- Abuse & molestation for residential programs
- Cyber / HIPAA — substance abuse records have extra federal protection (42 CFR Part 2)
- Workers' comp for behavioral health workers
Key Questions to Ask
"Are you CARF or Joint Commission accredited? That actually helps with placement."
"Do you run a MAT program? Is that specifically covered in your professional liability?"
"Is your cyber policy compliant with 42 CFR Part 2 requirements for substance abuse records?"
Red Flags in Their Current Policy
Professional liability doesn't cover MAT or specific treatment modalities being used
Cyber policy doesn't address 42 CFR Part 2 — separate from standard HIPAA
Standard carrier won't write them — they need specialty markets
Best Carriers
- USLI (specialty), Philadelphia, Great American
Nursing & Rehab Facilities
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Critical Coverages
- Professional liability — limits must match census size and acuity level
- Workers' comp for nursing staff — among the highest injury rates of any profession
- Abuse & molestation — elder abuse claims are increasing nationally
- Cyber / HIPAA — large volumes of PHI make these high targets
Key Questions to Ask
"What's your current professional liability limit? How does that compare to your census?"
"What's your workers' comp experience mod? What injury prevention programs do you have?"
"Have you had any CMS survey deficiencies? How do those affect your current coverage?"
Red Flags in Their Current Policy
Professional liability limit too low for their census — huge exposure
Part of a chain policy — individual facility coverage may be inadequate
No cyber coverage despite handling massive amounts of PHI
Best Carriers
- Chubb (larger facilities), Great American, USLI