Individual and Family Services NAICS 6241

Jul 10, 2026 - Liability Insurance Costs Increase

• The Connecticut Insurance Department is seeking a consultant to study whether the state should create a risk pool or captive insurance company to help nonprofits cope with rising liability insurance costs, according to the Hartford Business Journal. Insurance brokerage Risk Strategies, in its 2025 market outlook, forecast rate increases of 15% to 20% on abuse and professional liability lines for nonprofit and human services organizations like individual and family services, and 20% to 30% on umbrella coverage, with carriers reluctant to offer umbrella limits above $5 million. The Nonprofit Liability, Property & Casualty Insurance Working Group heard testimony in February 2026 that the problem is largely structural, driven by rising claim severity, reduced insurer capacity, reinsurance pressures and third-party litigation funding. Some providers described being pushed into secondary markets or hit with major premium spikes after a single large claim.
• Individual and family services may see increasing demand due to tighter qualifications for Supplemental Nutrition Assistance Program (SNAP) benefits. Non-disabled people up to age 64 now have to work or volunteer 80 hours a month to keep their SNAP benefits. The work requirements include parents whose youngest child is 14 years old, down from 18 years old. Nearly half of Coloradans experiencing food insecurity don’t qualify for SNAP, according to Feeding America, a national network of food pantries. About 50,000 people have been dropped from Alabama’s SNAP rolls since the new requirements went into effect, according to the AL.com news site. "We are on track to lose up to 100,000 people off of SNAP benefits by the end of this year," said Laura Lester, CEO of Feeding Alabama, the coalition of food banks across the state.

• Growth in personal income and higher net worth are expected to result in a 3.9% increase in charitable giving in 2025, according to the Indiana University Lilly Family School of Philanthropy. The projected increase is greater than the average growth rate of giving since 2005, and is expected to surpass 10-year, 25-year, and 40-year annualized growth averages. The average rate of growth for giving from 2005 to 2014 — a period covering the 2007-08 financial crisis and subsequent recession — was 1%. The average growth rate from 2015 to 2024 is expected to have been 1.9%.
• Individual and family service industry employment and wages for nonsupervisory employees increased slightly during the first five months of 2026, according to the US Bureau of Labor Statistics. Individual and family services industry sales are forecast to grow at a 6.47% compounded annual rate from 2025 to 2029, faster than the growth of the overall economy.