Register For Our Webinar On August 22nd at 11:30 a.m. Learn About Insurance Coverage Nonprofits Should Consider Purchasing!blue line

Top Binding Products: Church | Fraternal & Social Club | Nonprofit Directors & Officers | Human Service | Social Service | Special Event

gateway special insurance berkshire hathaway


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

Caregiver holding hands

Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for a caregiver.

 

Get a quote for caregiver service or organization by completing an application.

 

Coverage for a caregiver service or organization can include:

General Liability

Directors & Officers Liability

Employment Practices Liability

Abuse and Molestation

Special Events

Crisis Intervention

Professional Liability

Crime

Property

Equipment Breakdown

Business Income

Auto

Employee Benefits Liability

Blanket Additional Insureds

Cyber Liability

Umbrella

 

 

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

 

Nonprofit caregiver claim examples

Professional Liability Claim:
A Registered Nurse administers a pain relieving intravenous drug to an elderly patient. The patient has an allergic reaction, causing them to break out into a painful rash. The patient’s family is upset and sues for pain and suffering.

Abuse and Molestation Claim:
A man who is volunteering as a caregiver receives consent to take a woman he is helping on a trip. During the trip, the woman is sexually molested. The woman’s family sues the organization’s Abuse and Molestation coverage for bodily injury and mental duress.

Hired/Non Owned Auto Claim:
Holly is a caregiver working for an abuse shelter organization that provides companionship to victims of sexual abuse. 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 nonprofit religious outreach organization.

Fill out my online form.