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Coverages for food bank, food donation service or soup kitchen can include:
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Crisis Intervention Coverage
Employee Benefits Liability
Blanket Additional Insureds
Nonprofit food bank claim examples
A fire breaks out as a result of cooking in the common kitchen area of a nonprofit food bank organization, which results in extensive smoke and heat damage to both the building and its contents, and forces the food bank administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 in property damage and extra expenses.
Hired/Non Owned Auto Claim:
Holly is a staff member working for a nonprofit food bank organization that provides mentoring. While Holly is driving a volunteer for a visit to the supply office she fails to yield at a stop sign and strikes another vehicle. The volunteer 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 organization.
Abuse and Molestation Claim:
A man who is volunteering for a nonprofit food bank organization receives consent to take a girl he is mentoring on a trip. During the trip, the girl is sexually molested. The girl’s family sues the organization’s Abuse and Molestation coverage for bodily injury and mental duress.
Employment Practices Claim:
A volunteer at a nonprofit food bank organization receives numerous sexual advances from a staff member. The volunteer sues the food bank's Employment Practices policy for sexual harassment.
Directors and Officers Claim:
A donor made a large contribution to a local nonprofit food bank organization 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.