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A Program Crafted Just For You

When it comes to protecting your social services organization, turn to the experts at HDI.

We have a dedicated and experienced team that specializes in the unique needs and challenges you face. Our program is designed to be both comprehensive and flexible-ranging from property coverage to professional liability-to help you get the protection you deserve.

There are many different kinds of insurance coverage available for Social Service Institutions. Below are some of the types of coverage available through HDI. This list is not exhaustive, so we recommend you contact one of our experienced team members to discuss your specific coverage needs.

Commercial Package Policy

  • Property Coverage
  • General Liability
  • Employee Benefits Liability
    (Including ERISA Coverage)
  • High Hazard Coverage
  • Herbicide & Pesticide Liability
  • Bond Coverage (Including Volunteer & Employee Dishonesty Coverage)
  • Property of Others 
  • Medical Payments Coverage (Including Athletic and League Sports)

Specialty Liability 

  • Religious Communication Coverage
  • Discrimination Coverage
  • Employment Practices Liability
  • Directors & Officers Coverage
  • School Counseling Liability
  • Incidental Broadcasting Liability
  • Computer Liability
    (Including Negligent Web Supervision)
  • Incidental Medical Mal-practice Coverage
  • Nurses Professional Liability
  • Educators Professional

International Protection

  • Foreign Liability
  • Medical Coverage Abroad
    (Including a $10,000 Hospital Deposit)
  • Foreign Workers' Compensation
  • Repatriation Coverage
  • Medical Evacuation Coverage
  • Foreign Travel Assistance
Health-Life-Disability Insurance 

  • Individual or Group Benefit Health Insurance
  • Term / Whole / Universal Life Policies (Including Key Man Policies)
  • AFLAC Products - Cancer Policies and Short Term Disability
  • Individual and Group Long Term Disability Insurance

Commercial Vehicle Insurance

  • Auto Liability
  • Comprehensive & Collision Coverage
  • Uninsured/Underinsured Motorist

  • Hired Car Physical Damage
  • Medical Payments
    (Including Non-Owned Vehicles)
  • Hired and Non-owned Auto Liability
Human Resources (HR) Solutions

  • Payroll
  • 401K
  • HR Support

Workers' Compensation

  • Domestic Workers' Compensation
  • Foreign Workers' Compensation


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  • "Our experience with HDI has been excellent. Cliff Fortenberry has done a thorough job reviewing and advising our school of coverage- some of which we did not have before we met HDI- so we can be properly protected at the right price."
  • "HDI is not just another insurance company; they are a true ministry partner. Their unique coverage and risk management services help to close coverage gaps that exist in traditional insurance programs.  It is clear to me they are on a mission to glorify God, protect His Church,...
  • "I was very pleased and comfortable getting my insurance through HDI. They answered all my questions completely and in terms I could understand. My calls and questions were all answered in a timely manner. I would recommend HDI to any ministry or school."
  • "Lost Mountain Baptist Church has been a client of Harry Daniel Insurance since 2005. Since we desire to utilize the precious resources God has provided us in the most effective way, we use Harry Daniel Insurance for our insurance needs. They offer highly competitive pricing, outstanding c...
  • "Not only did we get a great price with Harry Daniel Insurance, we also got great service. The staff has always been friendly and happy to help."
  • It is very easy in today's world to be exposed to risk and liability. Without proper insurance coverages, the results of an accident or unexpected event can be devastating. I am thankful that Harry Daniel Insurance was there to help us work through selecting the appropriate insurances and making ...