Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for an abuse shelter.
Get a quote for a domestic violence shelter or substance abuse shelter by completing an application.
Coverage for an abuse shelter can include:
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
Abuse shelter claim examples
A fire breaks out in the common kitchen area of an abuse shelter, which results in extensive smoke and heat damage to both the building and its 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 in property damage and extra expenses.
Hired/Non Owned Auto Claim:
Holly is a staff member working for a abuse shelter 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 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 organization.
Abuse and Molestation Claim:
A man who is volunteering for an abuse shelter receives consent to take a girl he is mentoring on a trip. During the trip, the woman 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 substance abuse shelter 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 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.