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

Thrift Store Clothes

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

 

Get a quote for a nonprofit thrift store or resale organization by completing an application

 

Coverage for a nonprofit thrift store or resale organization can include

General Liability

Directors & Officers Liability

Employment Practices Liability

Abuse and Molestation

Special Events

Professional Liability

Property

Equipment Breakdown

Business Income

Auto

Umbrella

Crisis Intervention Coverage

Employee Benefits Liability

Blanket Additional Insureds

Cyber Liability

 

Nonprofit thrift store claim examples

Property Claim:
A fire breaks out as a result of cooking in the common kitchen area of a nonprofit thrift store, which results in extensive smoke and heat damage to both the building and its contents, and forces the thrift store administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 in property damage and extra expenses.

Hired/Non Owned Auto Claim:
Holly is a staff member working for a nonprofit thrift store 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 claim 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 nonprofit thrift store 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 volunteer at a nonprofit thrift store receives numerous sexual advances from a staff member. The volunteer sues the organization’s Employment Practices policy for sexual harassment.

Directors and Officers Claim:
A donor made a large contribution to a local nonprofit thrift store 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.

Fill out my online form.