Fraternal Organizations

Nonprofit fraternal organizations and civic clubs may be insured for their property, liability, and D&O exposures. Examples are the American Legion, Veterans of Foreign Wars, Knights of Columbus, Elks, Moose, and Kiwanis. Employment-related practices liability and liquor liability are optional coverages that also are available.

Associations Professional Liability

This insurance covers nonprofit associations professional liability exposures. The policy can include directors and officers liability that is designed specifically for nonprofit associations. The insuring agreement includes as named insureds all directors, officers, employees, committee chairpersons, and members, and any other association member while acting on the association’s behalf.

Youth Outreach Programs

Property and liability insurance coverage is available for buildings and equipment used in urban neighborhood centers for youth. Activities may include recreation, counseling, tutoring, and social events. These are not residential facilities and do not usually provide individualized drug and alcohol treatment and counseling. The coverage provided applies to the sponsoring nonprofit organization and its employee workers and volunteers.

Emergency Service Organizations

Organizations that provide pre-hospital care, such as public and private ambulance services, fire departments, first-aid teams, rescue squads, and first responders are eligible for coverage under specialty programs. Such programs provide professional liability, auto liability, auto physical damage, inland marine, commercial general liability, umbrella liability, directors and officers liability, workers compensation, and employers’ liability coverages. Coverage on real and personal … Read More

Halfway Houses

Nonprofit agencies or community service organizations usually operate halfway houses. Both property and general liability coverage is available. Examples of such houses include drug and alcohol rehabilitation facilities; battered women and abused children shelters; and homes for mentally handicapped adults. Professional liability coverage is also available. Halfway houses for paroled ex-criminal offenders are very difficult to place.

Battered Persons Facilities

These facilities offer shelter to people who are abused or battered by their spouses or significant others. Many provide respite care and provide safe housing for the victim and any children as they transition to more permanent arrangements and solutions. These shelters are usually at undisclosed secure locations. Their primary feature is lodging and board but a variety of treatment … Read More

Home Health Care Agencies

Insurance programs for home health care agencies are available to hospitals, social service associations, and labor unions as well as independent home healthcare agencies. Coverages provided usually include general liability, personal injury liability, non-owned auto liability, and professional liability. Insured persons include registered nurses (RNs), licensed practical nurses (LPNs), aides, physical and occupational therapists, and others. Physicians are not eligible. … Read More

Alcohol and Drug Rehabilitation Centers

Rehabilitation centers for drug and alcohol abusers provide life changing services to individuals. The service may be required as part of a court-ordered incarceration program. The service is also available to individuals who recognize addiction concerns and voluntarily enter into a treatment program. Services are provided on both an outpatient and inpatient basis. Many offer intensive in-patient services combined with … Read More

Adoption Agencies

Adoption agencies are usually nonprofit organizations that function as placement resources, child placement agencies, or home study services. Many agencies are involved with both domestic and international placements but most specialize in one or the other. Services provided include both pre- and post-adoption counseling for adoptive parents, preparation for the home study process, and assistance in completing required documentation. Home … Read More

Clergy Professional Liability

Members of the clergy may be sued for causing emotional or physical suffering that arises from a variety of causes. While many claims for loss arise from counseling sessions, others are brought due to preaching, because of public accusations of wrongdoing, and administrative actions such as forced removal of a person from a position or a person’s total expulsion from … Read More