Case Study: Insurance for a Large Nonprofit Organization

Delivered complex exposure solutions to large nonprofit organization operating a drug and alcohol rehabilitation facility.

Tactics
The diagram above shows how specific expertise was used in analyzing, identifying and quantifying the exposures that can result from this type of business.

Nonprofit Profile

  • Multi-Service
  • Outpatient and inpatient facilities
  • Residential facilities including youths
  • Health care operations
  • Large automobile schedule

Situation
  • Needs adequate medical malpractice for health care professionals
  • Client could not find adequate liability limits coverage
  • Previous carrier did not provide medical malpractice coverage
  • Client suffered poor lost history because of inadequate fleet safety procedures

Solution
  • Provided general liability including sexual and physical abuse
  • Provided umbrella liability limits for the catastrophic loss
  • Established risk management for auto fleet safety which reduced claim frequency and severity

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