Negligent professional services are rendered to a patient of a counseling service organization. The patient sues for pain and suffering due to the negligent professional advice.
A client slips and falls when walking into the lobby of a counseling service organization. The client breaks his arm and sues the organization.
Abuse and Molestation
A man who is volunteering for a counseling and referral 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, and the abuse and molestation coverage responds for bodily injury and mental duress.
Directors and Officers
A donor made a large contribution to a local counseling and referral 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.
A volunteer at a counseling and referral organization receives numerous sexual advances from a staff member. The volunteer sues the organization, and the employment practices liability policy responds for sexual harassment.
Hired and Non-owned Auto
Holly is a staff member working for a counseling and referral 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 claim amount will ultimately exceed Holly’s personal auto limits and a secondary claim is made against the hired and non-owned policy of the nonprofit organization.
A fire breaks out as a result of cooking in the common kitchen area of a counseling and referral organization, which results in extensive smoke and heat damage to both the building and its contents and forces the counseling and referral 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.