Berkley Human Services
Berkley Human Services is a specialty U.S. property and casualty insurer exclusively serving nonprofit and for-profit human services organizations with a package policy spanning eight lines. Founded in 1989 and operating as a member company of W. R. Berkley Corporation, it distributes through a curated retail agent network.
- Company typePrivate
- Founded1989
- HeadquartersMinneapolis, United States
- Headcount51–100
- GTM typeB2B
- OfferingServices
What Berkley Human Services does
Berkley Human Services is a specialty property and casualty insurance provider exclusively serving nonprofit and for-profit human services organizations in the United States. Founded in 1989 and headquartered in Minneapolis, the company offers a package insurance program spanning eight lines: General Liability, Automobile, Crime, Professional Liability, Abuse or Molestation Liability, Property, Cyber Suite Coverage, and Inland Marine. The company is structured as a wholly-owned member company of W. R. Berkley Corporation (NYSE: BER, Fortune 500, S&P 500), with its underwriting subsidiaries rated A+ (Superior) by A.M. Best and AA- (Very Strong) by S&P.
The company distributes exclusively through a network of appointed retail agents and producers who specialize in social service organizations, with no direct-to-consumer sales channel. Underwriting, claims handling, and risk control are supported by a flat organizational structure. In addition to core coverage, BHS bundles value-added risk management services: the Risk Management Center web platform, Safety Source training video library, and partnerships with MinistrySafe (abuse prevention), eRiskHub (cyber risk management), SafetyFirst (driver monitoring), Cisive (background screening), and fire-safety product vendors. Pricing is quote-based through the underwriting process with multiple payment-plan options administered via ACH through Fifth Third Bank.
The business model is recurring insurance premium revenue underwritten through W. R. Berkley Corporation's insurance company subsidiaries, with the BHS subsidiary contributing a specialized human-services vertical book to the parent's diversified P&C portfolio. Customer acquisition is indirect (via agents), customer retention is supported by embedded risk-mitigation tools and multi-line bundling, and the company competes on domain specialization in a sector with complex exposures (e.g., abuse/molestation liability) rather than on price.
Berkley Human Services firmographics
Firmographics- Name
- Berkley Human Services
- Legal name
- Berkley Human Services
- Website
- https://berkleyhumanservices.com
- Company type
- Private
- Founded year
- 1989
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Berkley Human Services is a specialty U.S. property and casualty insurer exclusively serving nonprofit and for-profit human services organizations with a package policy spanning eight lines. Founded in 1989 and operating as a member company of W. R. Berkley Corporation, it distributes through a curated retail agent network.
- Ownership category
- akta.pro rank
Berkley Human Services industry classification
Industry- Product category
- Specialty Commercial Insurance (Human Services)
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)
- SIC
- Fire, Marine & Casualty Insurance (6331)
- akta.pro primary industry
- Professional Liability (E&O) (FSAJAGAC)
- akta.pro secondary industry
- Professional Liability (Errors & Omissions) (FSAJADAB)
Keywords
Where Berkley Human Services is headquartered
LocationHeadquarters
- HQ city
- Minneapolis
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Berkley Human Services business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Insurance Premium Revenue: Berkley Human Services generates revenue through insurance premiums paid by human services organizations. The company offers multiple payment plans including online payments via ACH, mail-in payments, and various installment plans to accommodate the cash flow needs of busy human services organizations. Coverage includes General Liability, Automobile, Crime, Professional Liability, Abuse or Molestation Liability, Property, Cyber Suite Coverage, and Inland Marine insurance products.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Insurance products are priced based on the organization's risk profile, coverage needs, and policy type, determined through the underwriting process. |
Go-to-market motion2 records
Distribution channels1 record
Marketing channels2 records
Berkley Human Services product offering
Product offeringCore offering
Berkley Human Services underwrites and distributes a specialized package of commercial insurance products — including General Liability, Automobile, Crime, Professional Liability, Abuse or Molestation Liability, Property, Cyber Suite Coverage, and Inland Marine — exclusively to nonprofit and for-profit human services organizations in the United States. Policies are issued through W. R. Berkley Corporation's insurance company subsidiaries and sold via a select network of appointed retail agents and producers. The company supplements its insurance products with risk management tools and 24-hour claim services tailored to the human services sector.
Product overview
Berkley Human Services offers a comprehensive insurance program specifically designed for nonprofit and for-profit human services organizations. The core portfolio includes eight specialized insurance products: General Liability, Automobile, Crime, Professional Liability, Abuse or Molestation Liability, Property, Cyber Suite Coverage, and Inland Marine. These products are offered both individually and as a comprehensive package policy. In addition to insurance coverage, the company provides supplementary risk management tools and services including the Risk Management Center (a web-based platform), Safety Source training videos, and partnerships with external service providers such as MinistrySafe (abuse prevention), eRiskHub (cyber risk management), SafetyFirst (driver monitoring), Cisive/IntelliCorp (background screenings), and Quickstop Tools (fire sprinkler protection).
Differentiator
Problem solved
Functional benefit
Products and services
- General Liability Insurance Coverage for bodily injury, property damage, and personal injury claims arising from operations of nonprofit and for-profit human services organizations. Available as a monoline or as part of the comprehensive package policy, sold through appointed retail producers.
- Automobile Insurance Coverage for vehicles owned or operated by human services organizations, including liability and physical damage protection, suited to organizations whose staff transport clients or operate program vehicles.
- Crime Insurance Coverage for losses due to employee dishonesty, theft, fraud, and other criminal acts against the human services organization.
- Professional Liability Insurance Coverage for claims arising from professional errors, omissions, or negligence in the delivery of human services, including counseling, social work, and program services.
- Abuse or Molestation Liability Insurance Specialized coverage for claims related to abuse or molestation allegations against organization personnel, designed for the unique exposures of human services organizations serving vulnerable populations.
- Property Insurance Coverage for buildings, contents, and business interruption for properties owned or leased by human services organizations.
- Cyber Suite Coverage Coverage for cyber liability, data breach response, and network security incidents, designed for human services organizations handling sensitive client and donor information.
- Inland Marine Insurance Coverage for property in transit and certain types of equipment or mobile property used by human services organizations in program delivery.
- Risk Management Center Web-based platform providing safety and risk management tools, computer-based training, safety videos, and a Training Track application available 24/7 to qualifying Berkley Human Services policyholders at no charge.
- Safety Source On-demand library of safety training videos covering workplace violence, driver safety, and emergency preparedness, available 24/7 to qualifying Berkley Human Services policyholders.
Companies that use Berkley Human Services
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Berkley Human Services technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Berkley Human Services partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- MinistrySafe (Abuse Prevention Systems)coreBerkley Human Services partners with Abuse Prevention Systems to help organizations prevent sexual abuse. The program offers training, background checks, and policy development to protect children and reduce risks. Berkley Human Services covers the membership fee for qualifying policyholders, who can access training resources and background checks at a discounted rate.
- SafetyFirstcoreBerkley Human Services partners with SafetyFirst to offer a Safe Driver Monitoring Program at no extra cost to qualifying policyholders. This program helps reduce vehicle collisions and improve driver behavior.
- eRiskHubcoreThe eRiskHub Cyber Risk Management Portal helps organizations prepare for and respond to cyber-attacks. It offers tools like risk assessments, incident roadmaps, and training resources. Policyholders with cyber insurance receive free access to the portal.
Scale indicators3 records
Recent moves2 records
Expansion highlights3 records
Berkley Human Services competitors and assessment
Company assessmentBroad incumbents
- Markel Group: Markel is a specialty P&C insurer operating through decentralized niche business units — structurally the closest large analogue to Berkley's model. While not exclusively human services, Markel writes professional liability, abuse, and nonprofit-adjacent coverages through several of its divisions.
- Hanover Insurance Group: Hanover is a commercial P&C insurer with a strong specialty commercial division serving nonprofits, social services, and human services organizations. Its package policies and sector expertise make it a relevant broader-portfolio competitor.
- Great American Insurance Group: Great American is a specialty P&C carrier with multiple niche divisions writing professional liability, crime, and specialty commercial lines for non-mainstream risks. It competes in adjacent specialty verticals and shares the multi-niche underwriting model.
- Cincinnati Financial: Cincinnati Financial writes specialty commercial P&C through independent agents, with notable strength in nonprofit, religious, and human services accounts. Its agent-driven, decentralized model parallels BHS's distribution and customer approach.
- Liberty Mutual Insurance: Liberty Mutual is a large national P&C carrier that writes specialty commercial lines including nonprofit and human services risks through dedicated business units. While broader in scope, it is a scaled incumbent that competes for the same large nonprofit accounts.
Direct peers
- Nonprofits' Insurance Alliance of California (NIAC): NIAC is a mutual insurer exclusively serving nonprofit and human services organizations with GL, Auto, Property, and specialty coverages. It competes head-to-head with BHS for nonprofit accounts and shares the niche-exclusive distribution model.
- Kinsale Insurance: Kinsale is a specialty excess and surplus (E&S) carrier underwriting commercial lines including liability and property for niche and non-admitted risks. It is a relevant peer because BHS's human services book has E&S-like characteristics (specialty, non-standard risks, abuse exposure).
- Philadelphia Insurance Companies (PHLY): Philadelphia Insurance Companies operates a dedicated Nonprofit & Human Services Division offering similar package policies (GL, Auto, Property, Professional Liability, Abuse coverage) to social service organizations. It is the closest direct competitor to Berkley Human Services in product mix and target customer.
- Hiscox: Hiscox is a specialty commercial insurer with deep small-business and nonprofit expertise, offering professional liability, GL, cyber, and package policies through digital and broker channels. It targets many of the same human services and small nonprofit accounts as BHS.
Emerging players
- Church Mutual Insurance Company: Church Mutual specializes in religious and human services organizations with package P&C policies (GL, Property, Auto, Abuse coverage) and serves a customer base that partially overlaps BHS's nonprofit and social services accounts.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Berkley Human Services social profiles
Digital presenceBerkley Human Services financial estimates
Financial estimateRevenue estimate
Valuation estimate
Berkley Human Services leadership team
Management profileNumber of profiles
Berkley Human Services funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Berkley Human Services M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Berkley Human Services
What does Berkley Human Services do?
Berkley Human Services underwrites and distributes a specialized package of commercial insurance products — including General Liability, Automobile, Crime, Professional Liability, Abuse or Molestation Liability, Property, Cyber Suite Coverage, and Inland Marine — exclusively to nonprofit and for-profit human services organizations in the United States. Policies are issued through W. R. Berkley Corporation's insurance company subsidiaries and sold via a select network of appointed retail agents and producers. The company supplements its insurance products with risk management tools and 24-hour claim services tailored to the human services sector.
Is Berkley Human Services a public or private company?
Berkley Human Services is a private company. It is classified as corporate owned and is currently operating.
When was Berkley Human Services founded?
Berkley Human Services was founded in 1989. It employs 51 to 100 people.
Where is Berkley Human Services based?
Berkley Human Services is headquartered in Minneapolis, United States, in the North America region.
How does Berkley Human Services make money?
One revenue line is on record: insurance Premium Revenue.
Who are Berkley Human Services's main competitors?
Broad incumbents on record are Markel Group, Hanover Insurance Group, Great American Insurance Group, Cincinnati Financial and Liberty Mutual Insurance. Direct peers are Nonprofits' Insurance Alliance of California (NIAC), Kinsale Insurance, Philadelphia Insurance Companies (PHLY) and Hiscox. Church Mutual Insurance Company is listed as an emerging player.
Does Berkley Human Services have an API?
No public API is recorded for Berkley Human Services.
What industry is Berkley Human Services in?
Berkley Human Services's product category is Specialty Commercial Insurance (Human Services). Its primary akta.pro industry code is FSAJAGAC, Professional Liability (E&O), with a secondary code of FSAJADAB, Professional Liability (Errors & Omissions). Its NAICS code is 52412 and its SIC code is 6331.