What we Do

We underwrite, rate, quote, issue policies, help providers prevent tragedies in their organizations, and help coordinate claims handling for the following lines of coverage:

- general liability

- professional liability

- abuse and sexual misconduct

- alienation of affection

- adoption services

- property

- auto

In some cases, we are able to provide coverage for:

- Umbrella

Most importantly, we help child welfare providers better protect their children by providing information on how children have been injured and killed in out-of-home placement so that similar tragedies can be avoided in the future. If we help providers keep children safe, we help them avert claims, lawsuits, and negative media attention.

Additionally, CWIS guarantees the perpetuation of the program by maintaining a loss ratio desirable in the eyes of the partnering insurance companies paying the claims. We know that profitable insurance companies are financially stable insurance companies, able to pay the claims that may arise years after a child has left your care. When insurance companies fail to charge premiums adequate to pay claims, they lose money and either discontinue insuring child welfare organizations or, worse, go out of business.

Our work in the area of claims takes into consideration the needs and issues of the injured child and his/her family; the child welfare agency’s license, reputation, accreditation, and responsibilities; the implications of the claim on the state’s child welfare environment; the responsibilities and contribution of placement agencies and any other partners in the care of the child; the coverages set forth in the insurance policy; the responsibilities and constraints of the insurance company; expectations placed on the defense counsel; and the exploration of any other avenues of defense and/or remedy.