Negligent professional services are rendered to a patient of a substance abuse 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 substance abuse organization. The client breaks his arm and sues the organization.
Abuse and Molestation
A man who is volunteering for a substance abuse 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 substance abuse 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 substance abuse 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 substance abuse 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 substance abuse organization, which results in extensive smoke and heat damage to both the building and its contents and forces substance abuse rehab 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.