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As a provider of human services, you have unique needs. Our exclusive OthersFirst® program provides a wide range of basic and optional coverages to meet the needs of your industry.

Use a commercial package policy as your base, then choose from a wide range of basic and optional coverages and endorsements to addresses the specific risks inherent to the human services industry.

Specialized coverages, endorsements and loss control services for your industry include:

  • Abuse prevention and reporting
  • Abuse or molestation coverage
  • Crisis response coverage
  • Emergency evacuations
  • Medicare and health care bonds
  • Professional liability insurance
  • Wheelchair transportation
  • Optional enhancement endorsements (property, workplace violence loss of income, human services enhancement, human services liability & commercial auto broad form)

Our OthersFirst® program is open to both non-profit (501c3) and for-profit organizations in the business of caring for others, including:

  • Organizations who care for the elderly, the disadvantaged and others with physical or intellectual disabilities
  • Outpatient and residential mental health programs
  • Daycare centers for children with and without special needs
We also insure a wide variety of other organizations, including:
  • Adult day services
  • Addiction and treatment counseling (outpatient and residential)
  • Community/senior centers
  • Daycares for children with and without special needs
  • Domestic violence centers
  • Emergency shelters/transition homes
  • Food banks
  • Group homes
  • Intermediate care centers for physical or intellectual disabilities
  • Schools and programs for special needs
  • Outpatient and residential mental health programs
  • Goodwill Industries and thrift stores
  • YMCAs and YWCAs
  • Ronald McDonald Houses

Claims – just like your business – are unique

We know that if you have a claim, not every situation is the same. So to help you and your business get back to normal as soon as possible you’ll have access to tools, resources and a team of experts. 

Check out some highlights on what sets our claims teams apart, such as:

  • Our core consultative services
  • Claims associate expertise
  • Tools that make it easy to file a claim

Other business policies you may need

Loss control services & risk management

When you insure your business with us, you get loss control tools and resources, including a Loss Control Services team who can review your operations, procedures and programs.

Safe driver training and resources
Operating vehicles can be a significant source of risk. Get training, resources and expertise to help keep drivers safe.
Have a senior living organization to protect? Learn about our senior living insurance.

Product, coverage, discounts, insurance terms, definitions, and other descriptions are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in your individual insurance contracts, policies, and/or declaration pages from Nationwide-affiliated underwriting companies, which are controlling. Such products, coverages, terms, and discounts may vary by state and exclusions may apply.