Coverages Written

Significant expertise and infrastructure is required in underwriting nonprofit organizations. From the beginning, many risks are more difficult to comprehend than they initially appear. Insurance Agents need access to comprehensive solutions when delivering long standing service to nonprofits.
Coverages include:
  • Professional liability
  • General liability
  • Automobile
  • Physical and Sexual Molestation
  • Property, Inland Marine and Crime
  • Umbrella and Excess

Optional Coverages **
  • Volunteer Participant Accidental and Medical Expense Coverage
  • Non Profit Directors
    ​& Officers (D&O)
  • Cyber Liability

Coverage Highlights
Chose a line of coverage below for an expanded view of the coverage highlights.

General Liability >>
  • General Aggregate Limit — Per location.
  • Bodily Injury Definition — also includes mental anguish and mental injury. 
  • Expanded Definition of Who is an Insured.
  • Medical Expenses — $20,000
  • Additional Insured — provides automatic status for others where required by written contract.
  • Waiver of Subrogation — included.
  • Sexual/Physical Misconduct Coverage — by endorsement with separate Limits
Professional Liability >>
  • Professional Liability - offers a broad insuring agreement that covers the insured without restriction to a specific business, operation or social service/nonprofit activity.
  • Vicarious/Contingent Liability — includes protection for the secondhand liability of the agency for the acts of MDs, psychiatrists, independent contractors and employee/volunteer professionals — by endorsement.
  • Medical Doctors and Psychiatrists — primary coverage for employed doctors by endorsement.
  • Broad Form Definition of Who is an Insured.
  • Occurrence or Claims Made.
Property Insurance >>
  • Accounts receivable — Described Premises $250,000/Away From Premises $25,000 per occurrence   Electronic Data Processing Equipment, Media and Data $200,000
  • Ordinance or Law Coverage B and C -  $200,000
  • Spoilage -  $50,000
  • Business Income Property in Transit - $50,000
  • Money & Securities (In/Out) $25,000
  • Extended Business Income No Coinsurance - Applicable 180 Days.
  • Blanket Building/Personal Property/with Business Income
    (may be subject to sub-limit)
  • Computer Fraud -  $50,000/$100,000
  • Employee Theft Including ERISA $50,000

Not intended for use in Florida
Automobile >>
  • Liability limit- $1,000,000 combined single limit
  • Hired Auto Physical Damage  
  • Broad Form Named Insured
  • Employees/Volunteers as Insured
  • Blanket Waiver of Subrogation
  • Rental Reimbursement
  • Temporary Substitute Auto- Physical Damage Coverage
Umbrella Liability >>
  • Includes — all additional insureds in the underlying policies (follow form with underlying policies)
  • Territorial Limitations — are eliminated. 
  • Occurrence definition — defined as happening during the policy period.
  • Bodily injury definition — also includes mental anguish and mental injury.
** These overages are placed with A.M Best A rated specialty carriers outside of the Liberty Mutual program

IMPORTANT NOTICE
Coverage statements shown are simplified descriptions only. The full and exact contract is contained in the policy. Eligible classes of businesses are limited.

​​Insurance Program