Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for youth service organizations. Our most frequently written youth service organizations include:
After School Program
Big Brother Big Sister
Boys and Girls Club
Youth Community Center
Coverage for a youth service organization 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 Service claim examples:
General Liability Claim:
Tyler, a student, fell off the swing at the childcare playground. His front two teeth were knocked out. He incurred $2,000 in dental work. Tyler’s mother filed a claim for the dental expenses and an additional $5,000 alleging emotional distress.
A fire breaks out as a result of cooking in the common kitchen area of a nonprofit Big Brother Big Sister organization, which results in extensive smoke and heat damage to both the building and its contents. It also forces the Big Brother Big Sister 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 Boys and Girls Club 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 claims 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 youth girl's volleyball 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 parent's 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 distress.
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. In that time, numerous games had to be relocated to accommodating facilities for an extra expense of $2,200.