Claims Reporting for ISA Insureds Application Index - Find applications quickly Glossary of Insurance Terms

Social Service

Families, Children, Individuals and Communities

 

Social Service agencies blend an array of services in response to the overwhelming need for improvement in the lives of individuals. The programs offered by Social Service Agencies promote the economic and social well-being of families, children, individuals and communities. They aim to achieve family and individual empowerment to increase economic independence and productivity, and they strive to promote strong, healthy, supportive communities that have a positive impact on the quality of life and the development of children.

Social Service includes Community Action Agencies, Boys & Girls Clubs, Big Brothers Big Sisters, Head Start programs and Court Appointed Special Advocates (CASA) associations.

Coverage Highlights

Coverage Highlights

Property

  • Blanket Property and Contents Coverage
  • Replacement Cost, Agreed Amount & Blanket Limit
  • Equipment Breakdown
  • Earthquake & Flood available
  • Emergency Vacating Expense
  • Client Monies & Securities included
  • Room Reserve
  • Special Deductible Exceptions
  • Business Income/Extra Expense
  • Extermination Expense to $5K

General Liability
(Occurrence & Claims made available)

  • $1M/3M Limits Standard*
  • Employee Benefits Liability (claims made)
  • Fund Raising Events including Liquor Liability
  • Broad Additional Insured included; Endorsements available at no extra charge
  • 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

Umbrella

  • Up to $25M limits
  • Broad coverage over GL, PL, Abuse & Auto
  • $10K Minimum Retention (SIR)
  • Employers Liability
  • Contractual Liability
  • Products & Completed Operations
  • No Binding Arbitration Endorsement

Crime

  • Employee Theft*
  • Forgery or Alteration*
  • Inside Premises Money & Securities
  • Inside Premises Robbery & Safe Burglary
  • Outside Premises
  • Exposure for In-Home Service Providers
  • Clients Property for Janitorial Contacts

Inland Marine Form

  • Blanket EDP coverages
  • Builder's Risk coverage available
  • Scheduled Equipment

Professional Liability
(Occurrence & Claims made available)

  • $1M/3M Limits Standard*
  • Punitive damage coverage (where permitted by law)
  • Employed and Contracted Professionals
  • Independent Contractors (excluding MDs)
  • Vicarious Liability of Doctors
  • Primary Care Clinics Covered
  • Psychiatrist, Psychologist Coverage
  • HIPAA Coverage**

Commercial Auto

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

Limits available on package up to $500k. * Increased limits and additional coverage options are available. ** Available in most states.

 

Program Eligibility

Program Eligibility

Our comprehensive Social Service & Community Action Policy covers general and professional liability, property, auto, crime and umbrella. Providers may serve people with:

  • children’s guidance agencies
  • children’s homes/villages
  • community action agencies
  • community centers
  • crisis intervention centers/hotlines
  • disaster services
  • emergency shelters
  • family counseling services
  • family location services
  • halfway group homes
  • helping hands services
  • homes for destitute men & women
  • hotline services
  • job counseling & training centers
  • missions
  • multi service centers
  • non-profit rural transportation for elderly/disabled
  • orphanages
  • outreach programs
  • self-help organizations
  • settlement houses
  • social service centers
  • vocational rehabilitation / training & counseling agencies
  • youth self-help group agencies

Submission Requirements

Submission Requirements

  • 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

Additional Requirements for Start-Ups:

  • Financials or Pro-Forma Statement
  • Resume for Executive Director (showing 3-5 years experience)
  • Business Plan

Applications

Applications

Before downloading and signing any insurance applications, make sure that you know your state’s fraud warnings.

Required Applications:

Package Supplements: Please complete the appropriate supplement below and include the Sexual Abuse Supplement.