Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for a nonprofit boys and girls club.
Get a quote for a nonprofit boys and girls club by completing an application.
Coverage for a nonprofit boys and girls club can include:
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Employee Benefits Liability
Blanket Additional Insureds
Policy highlights can include:
- Defense outside limits
- Separate or shared limits for psychiatrists, psychologists and other MD/mid-levels professionals
- Industry leading broadening forms
- Broad definition of who is an insured
- Easy access to brokers
- Underwriting expertise with limited customer distribution
- Ability to provide admitted and non-admitted terms
- Coverage can be written claims-made or occurrence
- Risk management services
- Separate limits for General Liability, Professional Liability and Abuse and Molestation
- In-house claims experts
Boys and girls club claim examples
A fire breaks out as a result of cooking in the common kitchen area of a boys and girls club, which results in extensive smoke and heat damage to both the building and its contents, and forces the boys and girls club administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 a property damage and extra expenses.
Hired/Non Owned Auto Claim:
Holly is a staff member working for a boys and girls club that provides mentoring. While Holly is driving a volunteer for a visit to the supply office she fails to yield at a stop sign and strikes another vehicle. The volunteer 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 nonprofit organization.
Abuse and Molestation Claim:
A man who is volunteering for a boys and girls club receives consent to take a girl he is mentoring on a trip. During the trip, the girl is sexually molested. The girl’s family sues the organization’s Abuse and Molestation coverage for bodily injury and mental duress.
Employment Practices Claim:
A volunteerat a boys and girls club receives numerous sexual advances from a staff member. The volunteer sues the club’s Employment Practices policy for sexual harassment.
Directors and Officers Claim:
A donor made a large contribution to a local boys and girls club requesting that the money be used to enhance the building’s facilities. The board instead votes to use the money to buy a new car for the director. The donor files suit alleging misappropriation of funds.