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gateway special insurance berkshire hathaway


Phone: 877-977-4474 | Fax: 610-254-1855
Send Completed Applications to submissions@gatewayspecialty.com

We provide top rated package insurance to nonprofit 501(c)(3) organizations who've been approved by the IRS as tax-exempt, charitable organizations that are religious, educational, charitable, scientific, literary, test for public safety, foster amateur sports or are geared toward preventing animals/children cruelty. We have three carriers to quote including a nonprofit risk retention group that provided over two million dollars in dividends to nonprofits last year!
 

Obtain a Quote for Your 501(c)(3):

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Eligible / Ineligible 501(c)(3) Organizations

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Abuse Shelter
Adoption Agency
Art Program
Big Brother Big Sister
Boys & Girls Club
Developmentally Disabled Services
Foster Care Agency
Group Home
Goodwill

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Meals on Wheels
Sheltered Workshop
Thrift Store
United Way

Vocational Workshop
Volunteer Center

Youth Programs
YMCA/YWCA


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No violent convicted felons
No low income housing
No assisted living
No volunteers on rooftops
No highway cleanup

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No hospitals
No property coverage in Florida

No construction for sale purpose
Remodeling and weatherization of owner's property is ok.
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501(c)(3) Insurance Coverage

  • General Liability limit of $1,000,000 / $3,000,000
  • Abuse and molestation coverage up to $1,000,000 / $3,000,000
  • Directors and Officers (D&O) with Employment Practices Liability (EPL) up to $11,000,000
    • Unlimited defense outside the limits for D&O or EPL coverage
    • Lifetime Occurrence Reporting Provision for former directors and officers
  • Property coverage available except in Florida
  • Special Event coverage can be automatically included within the policy premium
  • Hired and Nonowned Liability
  • Commercial Auto Liability
  • Social Service Professional limit of $1,000,000 / $3,000,000
  • Umbrella up to $10,000,000

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501(c)(3) Insurance Carriers

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Nonprofit Insurance Alliance Group

USLI Map Nonprofit Social Service Insurance


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501(c)(3) Insurance Claim Examples

Nonprofit 501(c)(3) Property Claim:
A fire breaks out as a result of cooking in the common kitchen area of a Battered Women’s Shelter which results in extensive smoke and heat damage to both building and contents and forces the Shelter’s administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 as a result of property damage and extra expenses.

Nonprofit 501(c)(3) General Liability Claim:
A parent and a child are selecting a new family pet at an Animal Shelter. While petting the animal in a room reserved for this purpose, the dog lunges for the child and bites her on the hand. The child receives ten stitches. The parents of the child file a lawsuit for pain & suffering as well as emotional trauma.

Nonprofit 501(c)(3) Professional Liability Claim:
A Registered Nurse administers a pain relieving intravenous drug to a Hospice patient. There is an allergic reaction causing the patient to break out into a painful rash. The patient’s family is upset and sues for pain & suffering.

Nonprofit 501(c)(3) Hired / Non Owned Auto Claim:
Holly is a Caregiver working for a Non Profit Religious Outreach organization that provides Home Companionship to Senior Citizens. While Holly is driving a client for a visit to the Doctor’s office she fails to yield at a Stop Sign and strikes another vehicle. The client sustains a severe bodily injury and sues Holly’s Personal Auto policy. It turns out that the claims amount will ultimately exceed Holly’s Personal Auto limits and a secondary claim is made against the Hired / Non-Owned policy of the Non Profit Religious
Outreach organization.

Nonprofit 501(c)(3) Products Liability Claim:
A thrift store sells a rocking chair to a buyer. While at home, the buyer sits in the chair and it breaks causing bodily injury to the buyer. He sues the thrift store for special damages as well as pain & suffering.

Nonprofit 501(c)(3) Abuse & Molestation Claim:
An adult who is volunteering for a Youth Organization receives parental consent to take a child that he is mentoring on an overnight camping trip. During the trip, the child is sexually molested by the adult. The child’s family sues the organization’s Abuse & Molestation coverage for bodily injury and mental duress.

Nonprofit 501(c)(3) Employment Practices Claim:
A volunteer nurse at a Non Profit Healthcare clinic receives numerous sexual advances from a Doctor who is also a volunteer. The Nurse sues the clinic’s Employment Practices policy for sexual harassment.

Nonprofit 501(c)(3) Non Profit Directors & Officers: A donor made a large Contribution to a local Community Center requesting that the money be used to enhance the building’s facilities for the children that belong to the Club. The board instead votes to use the money to buy a new car for the Community Center Director. The donor files suit alleging misappropriation of funds
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