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Social Services - Non-Profit Package

All products written with A++ IX AM Best rated carrier. Not all business will qualify, please contact your underwriter for details specific to your risk.
Eligible Risks - Classes include but are not limited to:
  • Abused Adult Shelters (Battered Women)
  • After School Tutoring
  • Animal Shelters / Rescue Groups
  • Anxiety Counseling
  • At Risk Youth Counseling
  • Big Brother / Big Sister Organizations
  • Botanical Gardens
  • Boys & Girls Clubs
  • Career & Vocational Counseling
  • Caregivers (Non Medical)
  • Child Care
  • Community Centers
  • Conservation Groups
  • Counseling & Referral
  • Counseling for Eating Disorders
  • Credit Debt Counseling
  • Crisis Intervention (Non Suicide)
  • Food Banks / Soup Kitchens
  • Gay / Lesbian Services
  • Government Assistance Services
  • Group Homes - mildly handicapped adults
  • Halfway Housing
  • Healthcare Clinics
  • Historical Societies
  • Homeless Shelters
  • Horticultural Societies
  • Hospices
  • Job Placement Services
  • Learning Disorder Services
  • Parenting Education
  • Pregnancy Help Centers
  • Prison Families Support Services
  • Psychologist Services
  • Reading Programs
  • Referral Agencies
  • Religious Outreach
  • Rescue Missions
  • School Social Work
  • Senior Activities Centers (Non Medical)
  • Sleep Disorder Counseling
  • Speech Therapists
  • Spiritual Counseling
  • Stress Management Services
  • Substance Abuse Recovery (Non Medical / Post detox)
  • Thrift Stores
  • Transitional Housing
  • Unwed Mothers/Single Parent
  • Victims of Abuse
  • Vocational Sheltered Workshops
  • No more than two claims in the past 5 years for any one line of business
    • Product Advantages
  • Separate limits of liability for D&O and EPL claims (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis.)
  • Full prior acts coverage for D&O and EPL coverage
  • Unlimited Defense outside the limits
  • Lifetime Occurrence Reporting Provision for former Directors & Officers
  • Third party sexual harassment and third party discrimination coverage
  • Separate limits of liability for General Liability/ Professional Liability (E&O)/ Abuse & Molestation
  • General Liability/ Professional Liability (E&O)/ Abuse & Molestation written on an Occurrence form
  • Contingent Professional Liability for specific medical professionals
  • Property written on Special Form
  • Special Events Coverage available
  • Hired and Non Owned Auto Liability coverage available
  • Expanded definition of Bodily Injury to include Mental Anguish or Emotional Distress
  • Optional Value Plus Endorsement
  • Optional Equipment breakdown – includes free boiler inspection if required in your jurisdiction
  • No General Liability deductibles
  • Admitted Product available in most states
    • Ineligible Risks

  • Organizations with more than two claims for any one line of business in the past five years
  • Organizations that accept the services of persons with a criminal background
  • Organizations that permit continued involvement of anyone who has ever been convicted of a sexual abuse claim
  • Organizations that have had a suspended or revoked license in the past three years or are currently under investigation for wrongdoing by any licensing agency or other authority
  • Organizations with officers or board members who have been convicted of an arson felony
  • Organizations not having 100% of the wiring on functional circuit breakers
  • Organizations without any knob-and-tube or aluminum wiring
  • Organizations with commercial cooking areas that are not protected by approved automatic extinguishing systems and smoke detectors
  • Risks Located in AK, AL, LA, MS

    • Ineligible classes include but are not limited to:

  • Abortion Clinics
  • Adoption Agencies
  • Children's overnight camping
  • Foster Care
  • Group Homes - Moderate to Severe Mental Retardation
  • Halfway Housing for ex-convicts
  • Nursing Homes
  • Political Action Committees
  • Scouts
  • Suicide Hotlines
  • Suicide Prevention Services
    • Available Limits

    Liability

  • General Liability: $1,000,000 / 3,000,000
  • Professional Liability: $1,000,000 / 1,000,000
  • Molestation & Abuse: Up to $1,000,000 each claim

    • Property

  • Up to $3,000,000 Total Insured Value (TIV) when no habitational exposure and risk is located in a Protection Class 1 – 6 zone. If habitational exposure exists, TIV cap is $1,000,000
  • Up to $1,000,000 when no habitational exposure and risk is located in a Protection Class 7 – 10 zone. If habitational exposure exists, TIV cap is $500,000
  • Maximum Property value of $500,000 per location for Coastal Zone accounts

    • Directors & Officers

  • Up to $5,000,000 for D&O and EPL. The EPL limit may not exceed the D&O limit
  • Risks in Alaska and Louisiana

    • Umbrella

  • Up to a $5,000,000 limit
    • Submission Requirements
  • Social Services Application
  • Representation of incurred loss history for the past three years

    • Toll Free Fax: (888)335-6615
     E-mail: service@braishfield.com