Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for an SPCA.
Get a quote for an SPCA, humane society, animal rescue or shelter by completing an application.
Coverage for an SPCA, humane society, animal rescue or shelter can include:
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Crisis Intervention Coverage
Employee Benefits Liability
Blanket Additional Insureds
Nonprofit SPCA claim examples
A fire breaks out as a result of cooking in the common kitchen area of a nonprofit SPCA, which results in extensive smoke and heat damage to both the building and its contents and forces the SPCA 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.
General Liability Claim:
A parent and a child are selecting a new family pet at a nonprofit SPCA. 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.
Hired/Non Owned Auto Claim:
Holly is a caregiver working for a nonprofit SPCA organization that provides companionship. 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 claim 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 a nonprofit SPCA receives consent to take a girl he is mentoring on a trip. During the trip, the girl 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 at a nonprofit SPCA receives numerous sexual advances from a staff member. The volunteer sues the shelter’s Employment Practices policy for sexual harassment.
Directors and Officers Claim:
A donor made a large contribution to a local nonprofit SPCA 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.