Risk, Reform & Resilience: Navigating an Evolving Insurance Landscape for Human Service Providers
Keywords:
insurance market, human services, IDD providers, litigation funding, reviver statutes, tort reform, Pennsylvania, social inflation, fleet safety, abuse preventionAbstract
The nation’s human service providers continue to find themselves operating in challenging insurance environments for a variety of reasons. Rising tort costs, evolving legislation such as proposed “reviver” statutes, and the growing influence of third-party litigation funding have reshaped the property and casualty (P&C) insurance marketplace. This article explores how these factors intersect to drive volatility in liability coverage and offers actionable strategies for human service providers and mission-driven organizations to manage risk through strong governance, documentation, and proactive partnerships with insurance advisors, insurance brokers, and insurers.
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