Comprehensive Property and Casualty Insurance for

Social and Human Service Organizations

Social and Human Service Organizations are the lifelines of our communities. They improve the daily quality of lives by providing the means for social and economic independence. Serving individuals, families, and communities, they strive to promote life changing results—especially for our children. Supporting those that need it most, these Social Service Organizations believe that by building a strong foundation for the future, everyone will have the opportunity to succeed.

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

COVERAGE HIGHLIGHTS

Property

Replacement Cost, Agreed Amount & Blanket Limit
Equipment Breakdown
Earthquake & Flood available
Emergency Vacating Expense
Client Monies & Securities included
Room Reserve
Business Income / Extra Expense
Extermination Expense to $5k

General Liability
(Occurrence & Claims made available)

$1M / 3M Limits Standard
Fundraising Events including Liquor Liability
Broad Additional Insured included
Medical Payments up to $25k available
Fire Legal Liability
Separate, Dedicated Abuse Limits
Abuse & Molestation for Employee / Client / 3rd Party
Aggregate per Location Endorsement
Crisis Response
Defense outside the Limits
No binding arbitration endorsement
HIPAA *where available

Umbrella

Up to $15M limits
Excess Limits (if eligible)
Broad coverage over GL, PL, Abuse & Auto
$10k Minimum Retention (SIR)

Crime

Employee Theft
Forgery or Alteration
Fraudulent Impersonation Coverage
Exposure for In-Home Service Providers
Clients Property for Janitorial Contracts

Inland Marine Form

Blanket EDP Coverages
Builder’s Risk Coverage available
Scheduled Equipment

Professional Liability
(Occurrence & Claims made available)

$1M / 3M Limits Standard
Employed and Contracted Professionals
Independent Contractors (excluding MDs)
Vicarious Liability of Doctors
Primary Care Clinics Covered, if eligible
Psychiatrist, Psychologist Coverage

Commercial Auto

$1M Combined Single Limit Liability
Employees as Insured
Non-Owned / Hired Auto
Hired Auto Physical Damage
Auto Loan / Lease Gap (where available)
$50 Towing Limit for Private Passenger Vehicles
Drive Other Car – Executive Officers
Rental Reimbursement available
UM / UIM Coverage

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.