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Most foster agencies and human service organizations carry general liability, professional liability, and auto coverage. What those policies have in common is a ceiling. When a serious claim pushes past that ceiling, whatever is left becomes the organization's problem.
Most foster agencies and human service organizations don't think of themselves as running a transportation operation. But between driving foster children to medical appointments, caseworkers making home visits, and volunteers shuttling clients to program activities, a significant amount of driving happens on behalf of organizations every week. And when an accident occurs during one of those trips, liability rarely stops with the driver.
Behavioral health and youth service programs occupy an unusual position in the insurance market. The work is specialized, the populations served are vulnerable, and the liability exposure is genuinely different from what most commercial policies are designed to handle. Yet many of these organizations are running on coverage that was never built for them.
