Published June 10, 2026 · Last updated June 10, 2026
Human services insurance in California
Organizations that care for vulnerable people — group homes, behavioral health programs, daycares, residential facilities — carry exposures most insurance programs aren't built for. The defining line is abuse & molestation coverage: whether it exists, how much of it is real, and on what basis it's written. That's where our work in this niche starts.
Abuse & molestation coverage
The make-or-break line for this entire sector — limits, claims-made versus occurrence, and what underwriters require.
Group home insurance
Why the class is hard to place, what a complete program looks like, and what underwriters ask before quoting.
Daycare insurance
Centers and family daycares — liability, A&M, and the path back from a non-renewal.
Running a program that's been non-renewed, post-claim, or quoted at a premium that threatens its viability? That's the work we chose. Email mathis@setinsure.com with your license type, capacity, and renewal date — or call (628) 468-7620.