Gateway Specialty Insurance can write a wide array of social services. These organizations typically provide services to the needy. For detailed information on each type of risk, click on the below linked social
Big Brother Big Sister
Boys and Girls Club
Counseling and Referral
Eating Disorder Rehab
Emotional Disorder Rehab
Meals on Wheels
Senior Activity Center
Sober Living Homes
Social service insurance coverage
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Employee Benefits Liability
Blanket Additional Insureds
Policy highlights can include:
- Defense outside limits
- Separate or shared limits for psychiatrists, psychologists and other MD/mid-levels professionals
- Industry leading broadening forms
- Broad definition of who is an insured
- Easy access to brokers
- Underwriting expertise with limited customer distribution
- Ability to provide admitted and non-admitted terms
- Coverage can be written claims-made or occurrence
- Risk management services
- Separate limits for General Liability, Professional Liability and Abuse and Molestation
- In-house claims experts
Why buy insurance for social service organizations
Running a social service is a brilliant and effective way of bolstering society, but there are many unexpected costs that could hamper those efforts. A large inevitable exposure of social services is working with the public. Every time a new person walks onto the property or into the establishment, you face the possibility of a crippling law suit that even if won will still create defense costs. General liability coverage will alleviate this stress that could cause the social service to be hesitant in attracting a larger customer base. As for the property itself, it can be extremely cumbersome to incur an unexpected loss through something as unpredictable as a fire. Property coverage can take away the burden and fear of an unexpected financial and operational cost to the social service. An equally large and inevitable exposure of operating a social service is the people who make up the work force ranging from board members to volunteers. Anyone who is deemed a working part of the social service becomes an extension causing the owners to be liable for their actions. Employment practices liability and professional liability coverage will protect the social service from any ill-mannered actions of volunteers or employees that could cause anxiety towards growing the active work force. As for the board members and owners, a great amount of scrutiny can accumulate against the social service if a poorly advised decision is made, which could cause copious lawsuits and defense costs. Directors and Officers insurance will allow the ability to make decisions in order to grow the business while eliminating the fear that any one decision could cause the social service to shut down. These separate lines of coverage are able to be affordably attained by any social service through a Gateway Specialty Social Services Package, so that anyone big or small can grow and develop.
Social service organization claim examples
A fire breaks out as a result of cooking in the common kitchen area of a battered women’s shelter which results in extensive smoke and heat damage to both building and contents and forces the shelter’s administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 as a result of property damage and extra expenses.
General Liability Claim:
A parent and a child are selecting a new family pet at an animal shelter. While petting the animal in a room reserved for this purpose, the dog lunges for the child and bites her on the hand. The child receives ten stitches. The parents of the child file a lawsuit for pain and suffering as well as emotional trauma.
Professional Liability Claim:
A Registered Nurse administers a pain relieving intravenous drug to an abuse shelter patient. There is an allergic reaction causing the patient to break out into a painful rash. The patient’s family is upset and sues for pain and suffering.
Hired / Non Owned Auto Claim:
Holly is a caregiver working for an abuse shelter organization that provides companionship to victims of sexual abuse. While Holly is driving a client for a visit to the doctor’s office she fails to yield at a stop sign and strikes another vehicle. The client sustains a severe bodily injury and sues Holly’s personal auto policy. It turns out that the claims amount will ultimately exceed Holly’s personal auto limits and a secondary claim is made against the Hired / Non-Owned policy of the nonprofit religious outreach organization.
Abuse and Molestation Claim:
A man who is volunteering for an abuse shelter receives consent to take a woman he is mentoring on a trip. During the trip, the woman is sexually molested. The woman’s family sues the organization’s Abuse and Molestation coverage for bodily injury and mental duress.
Employment Practices Claim:
A volunteer nurse at a abuse shelter receives numerous sexual advances from a staff member. The volunteer sues the clinic’s Employment Practices policy for sexual harassment.
Directors and Officers Claim:
A donor made a large contribution to a local victim of abuse shelter requesting that the money be used to enhance the building’s facilities. The board instead votes to use the money to buy a new car for the director. The donor files suit alleging misappropriation of funds.
General Liability Claim:
A parent and a child are selecting a new family pet at an Animal Shelter. While petting the animal in a room reserved for this purpose, the dog lunges for the child and bites her on the hand. The child receives ten stitches. The parents of the child file a lawsuit for pain and suffering as well as emotional trauma.