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Protection for Social Services

Cincinnati’s Social Services Program provides the appropriate insurance program to protect your organization, allowing you to continue servicing those in need. With professional advice from your agent representing Cincinnati, you can focus on your clients while we focus on customizing a policy to meet your insurance needs.

Protect Your Professional Reputation

The Social Services Program offers tailored professional coverages for exposures unique to human and social services organizations. You receive the option to choose between claims-made or occurrence coverage forms, which are available in most states.

Broaden Your General Liability Coverage

You can extend your standard general liability coverage with our Social Services Broadened Endorsement featuring:

  • automatic additional insured coverage for specified relationships
  • mental anguish included in bodily injury coverage
  • voluntary property damage
  • waiver of subrogation

Enhance Your Property Coverage

Cincinnati’s standard property form provides coverages that your business needs. You can further customize your policy with the Social Services Property Endorsement. This optional coverage form includes over 40 increased or expanded property coverages to meet the specific needs of human and social service organizations.

Options to Suit Your Needs

Round out your insurance program with these options:

  • physical abuse, sexual misconduct or sexual molestation coverage that includes innocent party defense
  • crisis event expense coverage
  • coverage for fundraising and special events is available
  • crime, commercial auto and umbrella coverages available
  • cyber risk coverage options
  • nonprofit directors and officers coverage

Cincinnati Advantage

Work confidently, knowing you are protected by a superior insurance program that provides:

  • loss control services at no additional charge
  • access to vendors offering specialized loss control services and training at discounted rates
  • superior claims service from a representative who lives in or near your community
  • multi-year policy terms for many coverages in most states
  • stability from a company with a high financial strength rating from A.M. Best Co.
  • one of the lowest countrywide consumer complaint ratios, as documented by the insurance regulatory group, the National Association of Insurance Commissioners, it its Consumer Information Source at
  • a management team dedicated to keeping your insurance program on the leading edge

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