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Social Services Non-Profit Insurance

Non-Profit Insurance • Community Associations • 501(c)3 Non-Profits • Performing Arts Insurance • Social Services • Fraternal Clubs

Our All-In-One Package product is designed for Thrift Stores, Food Banks, and Soup Kitchens with revenues up to $1,000,000 and can be tailored to meet the unique needs of your organization.

Overview
Claim Examples
Why
Overview

Product Options:

  • General Liability
  • Property Coverage
  • Directors & Officers Liability with Employment Practices coverage

General Liabiility Features:

  • Expanded definition of Bodily Injury to include Mental Anguish and Emotional Distress
  • Volunteers included as Additional Insured
  • No designated premises limitation
  • No General Liability deductible
  • Hired and Non-Owned Auto Liability coverage available

Property Product Features:

  • Special Cause of Loss and Replacement Cost Coverage is available
  • Property limit up to $3,000,000
  • Optional Value Plus Endorsement that includes 15 additional coverages
  • Optional Equipment Breakdown – includes free boiler inspection if required in your jurisdiction

Directors & Officers/Employment Practices Features:

  • Separate Limits of Liability for D&O and EPL claims
  • Unlimited Defense Costs outside the limit
  • Full Prior Acts coverage
  • Lifetime Occurrence Reporting Provision for former Directors & Officers
Claim Examples

Property Claims Examples

  • While cooking french fries in the deep fat fryer, a volunteer decided to take a break. The grease overflowed from the fryer and quickly ignited in the flammable environment of the kitchen. The fire caused $27,000 in building damage and $9,500 in business personal property damage.

General Liability Claims Examples

  • A patron of the soup kitchen went to use the restroom, which had recently been cleaned by an employee. The tile floor area just outside of the restroom was still wet and the patron slipped and fell, breaking their arm. The patron filed a lawsuit against the soup kitchen for pain and suffering, medical bills, and rehabilitation expenses.

Equipment Breakdown Claims Examples

  • The piping within the hot water heater ruptured from over usage, causing the food bank to shut down for 4 hours. An equipment breakdown claim was made.

Directors & Officers Claims Examples

  • An officer served a term on the board of directors. Eighteen months after completing her service, she was named in a suit alleging mismanagement of funds for the last five years. The ex-officer discovered that the current board had failed to renew its insurance policy, so even though she had diligently maintained insurance coverage throughout her term of service, the former officer was left with no coverage for this suit.

Abuse & Molestation Claims Examples

  • Parents of a child in the Community Choir sued the organization alleging negligent hiring of the choir director who went overboard when he improperly touched their child during a practice rehearsal.

Liquor Liability Claims Examples

  • An underage patron was served alcohol while attending a performance. After leaving the performance, the underage patron got into his car, lost control of his vehicle and struck a telephone pole. He suffered severe facial lacerations. The attendee is suing the theater group for illegal service to a minor to cover his medical bills totaling $100,000.
Why

Our All-In-One Package product is designed for Thrift Stores, Food Banks, and Soup Kitchens with revenues up to $1,000,000 and can be tailored to meet the unique needs of your organization.

As a Social Service non-profit organization, do you have the right coverage?

  • General Liability that includes Mental Anguish or Emotional Distress
  • Property on Special Form with replacement cost coverage
  • Immunity does not prevent a non profit organization from being sued
  • Employment-related laws are the same for any type of organization

Why should you choose our social services non-profit insurance Package:

Maximize efficiency: One Application, One Quote, One Underwriter, One Policy, One Renewal, One Carrier for all claims, with one concurrent effective date.

Coverage Features checklist:

The following are important coverages to have in your policy. Check to make sure you have all of these features:

Coverage Features Our Policy Competitors’ Policy
 Non owned and Hired Automotive coverage available ?
 Products Liability included at two times the General Liability occurrence limit ?
 No Classification Limitation or Designated Premises Endorsement ?
 Equipment Breakdown coverage available ?
 alue Plus Endorsement is available on accounts eligible for special form offering 15 valuable coverage enhancements ?
 Separate Limits of Liability for Directors & Officers, Employment Practices Liability, and Commercial General Liability ?
 Defense Outside the Limit of Liability on all claims ?
 VVolunteers are included as Named Insured ?
 Lifetime Occurrence Reporting Provision for Former Directors and Officers (Occurrence feature for former D&O’s) ?

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