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Coverages

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
  • Nonprofit directors and officers (D&O)
  • Cyber liability

* These coverages are placed with A.M Best “A” rated specialty carriers outside of the Liberty Mutual program.

Coverage Highlights

General Liability
  • General aggregate limit (per location).
  • Bodily injury definition; 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 and Securities (in/out) $25,000.
  • Extended business income no coinsurance; applicable 180 days.
  • Blanket building/personal property/with business income; may be subject to sublimit.
  • 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 defined as happening during the policy period.
  • Bodily injury definition includes mental anguish and mental injury.

Some coverages may not be available in all states. Coverage limits vary by state.

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.