adoption/foster care insurance

Westwood will work with you to ensure your Adoption/Foster Care agency clients have the best possible insurance coverage for every threat they could face.
General Liability Insurance
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance (E&O) and medical malpractice insurance, protects your business against claims of negligence, malpractice, errors, and omissions which may have occurred during the fulfillment of a professional service.
Directors and Officers Liability (D&O) insurance
D&O insurance (Directors and officers liability insurance), shields the personal assets of company directors and officers, and where necessary, their spouses, from claims which could arise as a result of the decisions they made and actions they took within the scope of their regular duties.
Cyber insurance
Cyber liability insurance covers the financial costs associated with a breach of your cyber security, such as a ransomware attack. It also covers first party costs including event management, data restoration, financial costs to third parties, network interruption, and cyber extortion.
HNO Insurance
HNOA, (hired non-owned auto insurance) is designed for organizations who regularly hire vehicles or require employees to use their own vehicles in the course of their work. In the case of an accident where your employee was liable, it could cover physical damage to that other person’s vehicle, medical expenses, the cost of hiring an attorney to defend your business.
Workers’ Comp. Insurance
Workers’ compensation insurance covers your employees for workplace injuries or illness. It provides them with medical and wage benefits.
This coverage is mandated by each state, with the wage and medical benefits varying from state to state. Workers compensation also protects business owners from civil suits by workers who become injured on the job.
Employment Practices Liability
Employment practices liability insurance (EPL insurance or EPLI), covers employers (PDF) against claims made by employees for:
- Discrimination (based on sex, race, age or disability, for example)
- Wrongful termination
- Harassment
- Failure to promote and other employment-related issues
Environmental Liability insurance
Environmental Liability insurance is liability insurance specifically designed to protect environmental liabilities. This is a specialized form of general, commercial liability insurance that provides financial protection against litigation and clean-up costs resulting from claims of injury or damage caused by pollution, contamination or hazardous waste disposals.
Property Insurance
Property Insurance covers unexpected damage or loss to property. The policy can be purchased to cover both structures and contents, which are separate policies in many cases. Property Insurance covers physical structures, not land. Medical facilities and aged care facilities need property insurance to cover the real property and all fixed items such as furniture, medical equipment, art works and tapestries.
Crime Insurance
Crime Insurance covers the insured party a reimbursement if their property is damaged due to a crime. Crime Insurance usually has a huge range of options and comes in different forms. It can be either a rider that can be attached to the existing insurance policy, or it is available as a completely separate product.
Auto Insurance
Auto insurance is a type of liability insurance coverage, usually mandated by law, for all mechanically propelled vehicles. It provides protection against losses resulting from traffic accidents and against liability that could also arise therefrom. A medical or aged care facility would typically have auto insurance on their fleet of vehicles as well as for any vehicles transporting patients to and from the facility.
Fully/Partially Funded insurance
Partially Funded insurance gives facilities the opportunity to pay a set premium for, and then in turn is partially covered for specific risks.
Fully Funded Insurance allows facilities to pay premiums to have coverage against all risks. In return, if they are unfortunate enough to incur any of the covered loss or injury, they are reimbursed their insurance policy amount.
Excess and umbrella coverage
Excess coverage provides an additional layer of protection over and above what an underlying policy provides. It applies to a single policy only.
An umbrella policy on the other hand, provides additional liability coverage over and above what is provided by a number of underlying policies.
adoption/foster care agencies insurance is essential for their protection
Adoption and foster care agencies face a number of challenges, including:
- Funding: Many agencies rely on government funding and donations to operate, and finding stable sources of funding can be a challenge.
- Staffing: Recruiting and retaining qualified staff can be difficult, particularly in rural or underserved areas.
- Demand for services: The number of children in need of foster care or adoption often exceeds the number of available homes and resources.
- Matching children with families: Finding the right match for a child can be challenging, as agencies must consider the needs and strengths of both the child and the potential adoptive or foster family.
- Supporting families: Providing ongoing support to adoptive and foster families is important, but it can be resource-intensive for the agency.
- Working with birth parents: Adoption and foster care agencies must often work with birth parents to facilitate the placement of a child, which can be emotionally challenging.
- Navigating legal systems: The legal processes involved in adoption and foster care can be complex and time-consuming.
- Promoting positive outcomes: Ensuring that children in foster care or adoptive placements are supported and have positive outcomes can be a challenge for agencies.
Adoption and foster care agencies typically need a variety of insurance coverage to protect themselves and the children in their care.
Some of the types of insurance that may be necessary include:
- General liability insurance: This covers the agency in the event that it is sued for bodily injury or property damage.
- Professional liability insurance: This protects the agency against claims of professional negligence or malpractice.
- Workers’ compensation insurance: This covers medical expenses and lost wages for employees who are injured on the job.
- Auto insurance: If the agency owns or uses vehicles in the course of its work, it will need auto insurance to cover any accidents or damages.
- Child abuse and molestation insurance: This type of insurance provides coverage in the event that a child in the agency’s care is abused or molested.
- Directors and officers liability insurance: This protects the agency’s board members and officers against personal liability for decisions they make on behalf of the agency.
- Cyber liability insurance: With an increasing reliance on electronic record-keeping and online communications, many agencies are choosing to purchase cyber liability insurance to protect against data breaches and other cyber risks.
It’s important for adoption and foster care agencies to carefully assess their specific insurance needs and work with an agent backed by an insurance broker like Westwood, who has the contacts and leverage to negotiate the best deal on appropriate coverage for them.
Contact Michael Richards now

Michael specializes in insurance for this particular group. You can call him on the number below or fill out the form and he will get your message directly:
we've got you covered
General Liability Insurance
Protecting healthcare organizations against increasingly crippling litigation.
Professional Liability Insurance
Protecting medical professionals against increasingly crippling litigation.
Medical Malpractice Insurance
Protecting medical professionals against increasingly crippling litigation.
Cyber Liability Insurance
Protecting healthcare organizations & professionals against cyber attacks.
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216.539.0841
855.351.7487