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Coverage for a nonprofit youth community center can include:
General Liability Directors & Officers Liability Employment Practices Liability Abuse and Molestation Equipment Breakdown Professional Liability Employee Benefits Liability Property Business Income Special Events Auto Umbrella Inland Marine Blanket Additional Insureds Cyber Liability
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Employee Benefits Liability
Blanket Additional Insureds
Youth community center claim examples
The local youth community center organization’s storage trailer was broken into by vandals. All the uniforms for the teams were stolen, as well as other miscellaneous sports equipment. The organization suffers a loss of $10,000 as a result of the stolen property.
General Liability Claim:
An uncle was attending his son's community center game. While waiting for the game to begin the man was struck in the head by a ball, resulting in a fall that caused a head fracture and blood clot. The man who was injured files a lawsuit for pain and suffering against the organization.
Hired / Non Owned Auto Claim:
A coach for the community center team was driving to the sporting goods store to pick up uniforms for the organization’s soccer team. While in route to the sporting goods store, the coach sideswipes another vehicle. The coach suffers minor injuries, but the other driver sustains severe bodily injuries and sues the coach’s personal auto policy. The other driver’s injuries are so severe they ultimately exceed the coach’s personal auto limits and a secondary claim is made against the hired/non-owned policy of the youth sports organization.
Abuse and Molestation Claim:
The youth girl’s volunteer team is traveling overnight for an out of town weekend tournament. The star player cannot make the trip, because her parents' are working the weekend of the tournament. The head coach offers to take the girl to the tournament and her parents consent. During the trip, the girl is sexually molested by the coach. The girl’s parents sue the organization’s Abuse and Molestation coverage for bodily injury and mental duress.
Employment Practices Claim:
A mother volunteers to serve as the treasurer for her daughter’s youth community center organization. After serving for a week the organization’s president tells her he is making her the organization’s secretary, because that role is more suitable for a woman. The organization immediately replaces her as treasurer with a father of another player. The woman sues the organization’s Employment Practices policy for sexual discrimination.
Equipment Breakdown Claim:
A gymnasium’s cast-iron steam boiler experienced a low-water condition causing extensive damage to several sections of the unit resulting in $18,375 property damage. The boiler was replaced in five days, and in that time, numerous games had to be relocated to accommodating facilities for an extra expense of $2,200.