Social Services & Non-Profit Organizations

Product Features

• General liability is occurrence or claims made basis; $1,000,000/3,000,000 limit
• Professional liability $1,000,000/3,000,000 limit
• Physical and sexual abuse; up to $1,000,000 sub limit
• Directors & officers liability $5,000,000 limit
• Employment practices liability
• Auto liability & physical damage for non-owned, and hired autos
• Commercial property for building, contents, business income, equipment breakdown, crime, and inland marine
• Data breach
• Special events; $1,000,000 limit
• Excess liability; $10,000,000 limit

Why Do Organizations Need Coverage?

• They can be sued by their employees, committee members, volunteers and/or clients.
• Nearly 85% have an annual budget that is less than the average cost to defend a single claim closed by litigation. Example claims:
  -   Misappropriation of funds
  -   Data breach
  -   Slip and fall
• Employment-related laws are the same for any type of organization leaving your client vulnerable to claims for:
  -   Wrongful termination
  -   Sexual harassment & discrimination
  -   Religious persecution

Eligible Social Service Risks

• Job Training
• Family Counseling
• Rehab Centers
• Detention Centers
• Elderly & Disabled Care
• Food Services
• Community Action Groups
• Thrift Stores
• Referral Agencies
• Religious Retreats Camps
• Churches
  ...and MORE!

Eligible Non-Profit Risks

• Associations & Trusts
• Boys & Girls Clubs
• Chamber of Commerce
• Galleries & Museums
• Gardens & Arboreta
• Recreational Programs
• Humane Societies
• Dance Groups
• Schools
• Cemeteries
• Charities
• Preservationists
  ...and MORE!

*Coverage may not be available for all accounts or in all states

*Applications will apply to most markets but in certain circumstances additional applications may be needed

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