Health and Social & Human Service

Excess & Surplus – CASUALTY

Since 1960, Irwin Siegel Agency has grown into a name equated with unparalleled expertise and specialized programs for Social Service providers. We are pleased to offer a tailored monoline Excess & Surplus Liability product tailored for Social and Human Service accounts. This program combines ISA’s experience and knowledge with solutions for hard-to-place risks. All backed by the service, standards, and stability you have come to rely on.

Read below to learn more about Coverage Highlights, Program Eligibility, and Submission Guidelines.

General Liability
(occurrence and claims-made available)

  • Limits up to $1M/$3M
  • Defense outside the limit
  • Ability to do SIRs

Professional Liability/Abuse
(claims-made only)

  • PL limits up to $1M/$3M, separate abuse limits available
  • Defense inside the limit
  • Ability to do SIRs

Excess

  • Limits available up to $10M
  • Unsupported with a minimum attachment of $5M
  • Ability to participate higher in a tower
The descriptions of these programs are only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same.

PROGRAM ELIGIBILITY

Social Service Organizations

  • Shelters and Supportive Housing
  • Community Action Agencies
  • Food Banks
  • Rescue Missions
  • Community Centers
  • YMCA/YWCA
  • Camps
  • Goodwill

Intellectual/Developmental Disabilities

  • Chapters of the Arc
  • Cerebral Palsy Associations
  • Early Intervention
  • Autism Services
  • Residential Care Facilities
  • Applied Behavioral Analysis

Youth Programs

  • Specialty Schools
  • Charter & Private Schools
  • Montessori Schools
  • Head Start Programs
  • Programs for Adjudicated and At-Risk Youth

Specialty Health

    • Traumatic Brain Injury Facilities
    • Case Management Services
    • Behavioral Health
    • Addiction Treatment (Inpatient, Outpatient, Residential Facilities and Detox Programs)

  • Brochure or Website
  • Application (ISA will work off another carrier’s application or our own)
  • 5 years currently valued company loss runs with expiring premiums
  • ACORDs or Coverage Requirements
  • Audited Financials or 1120 Income Tax Returns (if For-Profit)
  • Underlying quotes for standalone excess placements

Click here to download
a new business application.

Click here to download
a renewal application.
(current ISA policyholders)