Property Insurance Advantages
- Broadened water
- Emergency vacating expense
- Employee dishonesty, including pension plan ERISA compliance
- Computers and media
- Money, securities and stamps, including money of you consumers
- Personal property of others, including property of your consumers
- Equipment breakdown
General Liability Insurance Advantages
- Blanket additional insured
- Volunteers as insureds
- Additional insured – funding source
- Limited legal expense for innocent insureds
- Limited rental lease agreement contractual liability
- Medical payments for not-for-profit members
- Fellow employee coverage for volunteers
Social Service Professional Liability Insurance Advantages
- Occurrence form
- Insureds include employees, volunteers and students-in-training
Abuse or Molestation Insurance Advantages
- Occurrence form or claims-made
- Innocent employee, volunteer and student-in-training limited civil expense
Commercial Automobile Insurance Advantages
- Blanket additional insured
- Towing and labor
- Physical damage – volunteers'/employees' auto
- Additional transportation expense
- Property of others, including your consumers
- Lease gap (where available)
- Excess hired car physical damage