Free clinics, food banks, substance abuse recovery facilities, and other social service organizations provide homeless people with a place to stay, disadvantaged youth with opportunities for recreation and alternative education, and healthcare and wellness services for families. In the event of an allegation of abuse by a client or patient, an injury to a child while visiting a YMCA, or the inadvertent disclosure of privileged medical information by a drug counselor, these organizations need to have commercial insurance coverage.
For directors of Jewish community centers, counseling hotlines, and Goodwill thrift stores interested in supplementing their current commercial insurance, or in buying a new policy, an independent insurance agent is a valuable resource. A local independent insurance agent can explain the available options for coverage for human services programs, and discuss policies that can be purchased from different insurance companies. With the assistance of a licensed independent insurance professional, directors and officers of social services programs can secure commercial insurance coverage suited to their organization’s unique needs.
In working with directors of social service institutions or programs, an independent business insurance agent will likely describe the basic commercial insurance necessary for their entity. She will mention commercial general liability coverage, building insurance, and business property insurance, and she may suggest that an operation purchase these options for coverage in a single policy, or at least through only one insurer. She might also discuss auto insurance, if vans or other vehicles are operated by social service program staff, and can review the details of workers’ compensation insurance, which is governed by state statutes. An independent agent may also mention accident medical, crime, and inland marine insurance coverage, depending on the needs of a particular group.
A local independent insurance agent working with United Way, a family service agency, adult group home, or parenting education program may describe other kinds of coverage that a certain organization might require. As to property insurance, she may suggest systems breakdown coverage, and recreational property enhancement insurance. And, besides general liability insurance, she might recommend purchasing employee benefits liability coverage, abuse and molestation liability insurance, coverage for off premises activities, and insurance for medical personnel, including volunteer and employed physicians. An independent insurance agent may also wish to discuss umbrella liability insurance, along with typical policy limits, and options for social services management liability coverage, including insurance for directors’ and officers’ liability, fiduciary liability, and employment practices liability.
With the guidance of an independent insurance agent, social service organization directors can get advice on the appropriate commercial insurance coverage for their program, and learn about the claims process, and other important aspects of buying a policy. A local independent business insurance agent will help directors make sure that they purchase coverage that affords their organization, and its staff and administration, legal and financial protection.
Non-profits and social service organizations can work for the benefit of the unemployed, students, children, animals, or environmental or political causes. Whatever their aim, non-profits, like other businesses, need commercial insurance coverage to shield their organization in case of a financial loss, or claim resulting from an accident, property damage, or other harm. An experienced independent insurance agent, familiar with the concerns of non-profits when it comes to choosing commercial insurance, will guide their leaders through the process of selecting adequate coverage to protect their entity.
In the process of evaluating the kinds of commercial insurance coverage suited to a particular non-profit, an independent business insurance agent may request certain information, and ask a variety of questions related to the company’s operations and structure. An independent insurance agent will likely inquire about a non-profit’s location, whether they operate in a high-crime area or out of a structure that is listed on a national historic registry, and if their building’s electrical, heating, and plumbing systems have all been updated.
Also, an independent insurance agent may ask whether a non-profit or social services organization has had a loss in the past three years, or faced repossession or foreclosure, and if their facilities have centrally monitored security and fire alarm systems in place. A seasoned independent insurance agent can review these and other issues to determine the options for commercial insurance coverage that will keep a non-profit organization financially secure, and allow it to continue to operate in case of a claim, or loss.
Depending on a non-profit organization’s commercial insurance requirements, an independent insurance agent will likely recommend business personal property coverage, coverage for improvements and betterments at the insured’s facilities, along with protection for personal property of others at the non-profit’s location. An independent insurance agent may also suggest that an organization obtain auto insurance if vehicles are operated in the course of doing business, boiler and machinery coverage for their on-site equipment, and legal liability coverage, in case of physical damage or loss and potential legal liability on the part of a non-profit or social services entity.
By connecting with a local independent insurance agent, familiar with the structure of non-profits and their concerns when it comes to commercial insurance coverage, those who operate these organizations can gain an understanding of the kinds of coverage that will work to safeguard their business. They can get answers to their questions about buying, or supplementing commercial insurance, and find out about exclusions and limitations in most policies. With a trusted independent insurance agent’s help, non-profit organizations can purchase a commercial insurance policy that provides proper coverage to keep their business up and running and financially stable in the face of an unanticipated loss or claim.
After school programs provide a valuable service for children and parents, alike. They serve as a local haven where children can learn, socialize, and develop athletic skills during the time between when school ends and when parents or other caregivers finish their workday. Non-profit after school programs face certain unique risks related to their operations. Directors and officers that run not-for-profit after school programs face the potential of being subject to liability in the event of a claim as a result of an accident or injury on the premises, an unanticipated financial loss, or storm, vandalism, theft, or other property damage to an after school program’s facilities.
An experienced independent insurance agent, familiar with the concerns of non-profit after school program directors and officers when it comes to selecting a commercial insurance policy that they can rely on, will meet with them to personally guide directors and officers through the process of choosing the right coverage. An independent insurance agent will want to know about an after school organization’s facilities, including the kinds of playground or other equipment that they maintain on site, along with any electronic items, computers and printers, or other expensive materials used by staff or students involved in the program. Also, an independent insurance agent will probably want to know about the work experience of those who operate the program on a daily basis, and may ask about whether they have previously worked for another after school program, or with other non-profit or social services entities.
Depending on specific characteristics of a particular after school program, along with its location, the number of students and staff at the facilities, and other related factors, an independent insurance agent will assist directors and officers in selecting a commercial insurance policy that suits their organization’s business coverage requirements. An independent insurance agent will likely recommend that a non-profit after school program buy a policy that provides property insurance coverage, including insurance for business personal property, building, and personal property of others, and equipment breakdown, and legal liability coverage (including professional liability), among other kinds of commercial insurance.
With the help of an independent insurance agent familiar with the needs of non-profit after school programs and the necessary legal requirements for purchasing adequate commercial insurance coverage, after school program directors and officers can select a commercial insurance policy that affords coverage they can count on to protect their organization, its assets, and themselves from legal or financial exposure in case of the unexpected.
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