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Community Action Agencies

Coverage for Agencies Fighting Poverty

We offer an insurance program endorsed by the 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 http://www.communityactionpartnership.com/.

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.

Eligibility

Eligibility

 

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, Fundraisers, as well as Directors & Officers and Volunteer Accident.

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

Enhancements

Enhancements

Directors & Officers Liability
This policy provides broad coverage in areas where management liability often arises. Your organization is guaranteed a product that is exceptional in both coverage and price to cover employees, volunteers, committee members, board members, and the  organization itself. Employment practices liability (EPLI) is included and provides coverage for discrimination, wrongful termination, sexual harassment, and other employment practice related claims.
Learn more › 

Volunteer Accident Program
Organizations that rely on volunteers need an effective way to manage the accident risk associated with their  activities. With Volunteer Comprehensive Accident Insurance from Irwin Siegel Agency Inc. (ISA), Domestic Violence Agencies and their volunteers gain the confidence of knowing they are  covered by a longstanding leader in Specialty Risk Insurance.
Learn more › 

Workers’ Compensation Coverage
ISA provides Workers’ Compensation coverage to social service, small business, and healthcare organizations. This product is extremely competitive and available as a stand alone policy or in conjunction with ISA’s comprehensive package.
Learn more › 

For more information, please contact our underwriting department at 1-800-622-8272.