Comprehensive Property and Casualty Insurance for

Community Action Agencies

We offer a property and casualty insurance program endorsed by the national Community Action Partnership that provides enhanced coverage and risk management solutions to member organizations. Community Action Agencies change lives, embody the spirit of hope, improve communities, and make America a better place to live. Our program is tailored to adequately cover the many programs and services they provide—from energy assistance to more complex programs such as Head Starts.

Learn more about the Community Action Partnership by visiting their website at www.communityactionpartnership.com.

Read below to learn more about Coverage Highlights, Eligibility Requirements, and Submission Guidelines.

Property

  • Replacement Cost, Agreed Amount & Blanket Limit
  • Equipment Breakdown
  • Earthquake & Flood available
  • Emergency Vacating Expense
  • Client Monies & Securities included
  • Room Reserve
  • Business Income / Extra Expense
  • Extermination Expense to $5k

General Liability
(Occurrence & Claims made available)

  • $1M / 3M Limits Standard
  • Fundraising Events including Liquor Liability
  • Broad Additional Insured included
  • Medical Payments up to $25k available
  • Fire Legal Liability
  • Separate, Dedicated Abuse Limits
  • Abuse & Molestation for Employee / Client / 3rd Party
  • Aggregate per Location Endorsement
  • Crisis Response
  • Defense outside the Limits
  • No binding arbitration endorsement
  • HIPAA *where available

Umbrella

  • Up to $25M limits
  • Broad coverage over GL, PL, Abuse & Auto
  • $10k Minimum Retention (SIR)

Crime

  • Employee Theft
  • Forgery or Alteration
  • Fraudulent Impersonation Coverage
  • Exposure for In-Home Service Providers
  • Clients Property for Janitorial Contracts

Inland Marine Form

  • Blanket EDP Coverages
  • Builder’s Risk Coverage available
  • Scheduled Equipment

Professional Liability
(Occurrence & Claims made available)

  • $1M / 3M Limits Standard
  • Employed and Contracted Professionals
  • Independent Contractors (excluding MDs)
  • Vicarious Liability of Doctors
  • Primary Care Clinics Covered, if eligible
  • Psychiatrist, Psychologist Coverage

Commercial Auto

  • $1M Combined Single Limit Liability
  • Employees as Insured
  • Non-Owned / Hired Auto
  • Hired Auto Physical Damage
  • Auto Loan / Lease Gap (where available)
  • $50 Towing Limit for Private Passenger Vehicles
  • Drive Other Car – Executive Officers
  • Rental Reimbursement available
  • UM / UIM Coverage

This program offers coverage to the National, State, and Local Affiliations and provides coverage for General and Professional Liability, Abuse and Molestation Coverage, Property, Auto, and Fundraisers, as well as Directors & Officers and Volunteer Accident.

  • Brochure or Website
  • Application (ISA will work off another carrier’s application or our own)
  • 5 years currently valued company loss runs with expiring premiums
  • ACORDs or Coverage Requirements
  • Audited Financials or 1120 Income Tax Returns (if For-Profit)
  • Drivers List
  • Financials or Pro-Forma Statement
  • Resume for Executive Director (showing 3-5 years experience)
  • Business Plan

Click here to download
a new business application.

Click here to download
a renewal application.
(current ISA policyholders)