Best Insurance Companies for IDD Providers in Maryland (2025 Guide)

If you’re searching for the best insurance companies for IDD providers in Maryland, you’re not alone. Every year, more service providers ask the same question—who really understands our risks, our mission, and our programs?

Whether you run a group home, provide in-home support, operate an adult day program, or offer community-based services, your insurance needs go beyond the basics. You need a carrier that understands the unique regulatory and operational realities of supporting people with intellectual and developmental disabilities (IDD).

In this 2025 guide, we’ll break down the top insurance carriers by category—so you can find the best fit for your organization.

Why Insurance for IDD Providers Is Different

Most commercial insurance companies were built for Main Street businesses—not human service organizations. But IDD providers manage risk differently. You’re transporting vulnerable individuals, operating group residences, hiring direct support staff, and meeting complex state requirements from agencies like Maryland’s DDA.

That’s why it’s essential to work with carriers that specialize in or deeply understand this space.

Best All-Around Insurance Companies for IDD Providers in Maryland

If you're looking for a carrier that can handle property, general liability, and commercial auto insurance—and supports a wide range of services—start with these four:

1. Philadelphia Insurance

A major player in human services. Philly offers broad coverage, solid pricing, and strong risk management tools for abuse prevention, fleet safety, and quality assurance.

2. Irwin Siegel Agency

ISA has long been a trusted name for behavioral health and IDD agencies. Their policies are tailored for human services and backed by expert underwriting.

3. Selective Insurance

Reliable for property and auto coverage, Selective supports various IDD service types and brings proactive loss control support.

4. Nationwide

With a growing appetite for human services, Nationwide brings competitive pricing and flexible underwriting for both for-profits and nonprofits.

All four companies are excellent choices if you’re offering mixed services—like in-home, group home, respite, or adult day programming.

Best Insurance Companies for Nonprofit IDD Providers in Maryland

Nonprofit organizations have a few exclusive insurance options in Maryland. If you’re a 501(c)(3), here are two strong contenders:

5. Guide One Insurance

Guide One focuses solely on nonprofits and faith-based organizations. Their program is ideal for IDD agencies with grant funding and mission-driven operations.

6. Alliance for Nonprofits (ANI)

Built by nonprofits for nonprofits. ANI offers coverage for liability, property, and auto—and understands the complexities of nonprofit risk.

🚫 Note: These carriers do not write policies for for-profit organizations.

Specialty Carriers Based on Service Type

Not every insurance company will cover every kind of service. Here’s how to choose based on what you do:

✅ In-Home Support Services

• HPSO (Healthcare Providers Service Organization)Great for solo or small in-home care agencies—but not ideal for growing operations with staff or multiple programs. Many outgrow this carrier.

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✅ Adult Day Programs

• Cincinnati Insurance Excellent for adult day care programs. Not ideal for in-home services or group homes.

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✅ Auto Insurance Only

• Progressive A top option for commercial auto coverage. Many providers pair Progressive with another carrier for liability/property coverage.

Workers Compensation Insurance for IDD Providers in Maryland

Workers’ comp is critical for IDD agencies, especially those with direct care staff or drivers. Here are the best options:

Self-Insured Option:

• MACS (Maryland Association of Community Services Self-Insured Program)Many providers participate in this program. It offers strong group-based coverage with a community approach.

Private Market Leaders:

• Chesapeake Employers Insurance – Broad appetite, Maryland-focused.

• Encova Insurance – Great for diverse human services.

• Key Risk – Well-suited for hands-on, high-touch programs.

• Accident Fund – Strong for in-home and personal care.

• AmTrust – Often a fit for home health-style services.

Your eligibility will depend on your service model and claims history. Some carriers focus on smaller agencies, others on large multi-site programs.

Choosing the Best Insurance Company for Your IDD Agency

There’s no one-size-fits-all answer when it comes to insurance. The best insurance company for your IDD program in Maryland depends on:

• Whether you’re nonprofit or for-profit

• Your services (group home, in-home, adult day, etc.)

• Your fleet, employee count, and property holdings

• Your claims history and loss control measures

That’s why the most important part of your process may not be the company—it’s your broker.

A good broker will:

• Understand the IDD space

• Know which carriers are writing in Maryland

• Bring the right underwriters to the table

Need Help Choosing the Right Insurance Partner?

If you want to review your current policy, explore better coverage, or just see what your options are—I’d be happy to help.

📞 Contact me using the form below to start the process.

Let’s make sure your insurance is protecting your mission, your clients, and your team in 2025.