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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

United Way Giving Concept

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

 

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

 

Coverage for a united way organization or service 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 united way claim examples

Directors and Officers Claim:
The trustees of a nonprofit foundation decided to expand their activities into areas that were not explicitly envisioned by the founders. Their state’s attorney general brought an action against them alleging misuse of funds and property for operating outside their charter, even though no third party had raised a complaint.

A donor made a large contribution to a foundation to aid students in need of tuition. The board instead voted to expand their headquarters and commit a portion of the donation to the building fund. The donor filed suit, alleging misappropriation of funds. Damages included return of the full contribution plus interest. As some of the money was already spent, the foundation was financially unable to return the entire donation.

Special Events Claim:
A guest at a beer garden event sponsored by a nonprofit foundation was struck on the head with a beer can thrown by a bartender. The guest filed a claim due to bodily injury.

A tent at a designated fundraiser was not anchored properly. The tent blew over and damaged multiple parked cars. The car owner sued for repairs.

A local foundation held a one-day concert to raise funds at the home of one of its members. The event was large and included a bandstand. While the trucks carrying the equipment were leaving that night, the inclement weather caused the truck to leave large imprints and divots on the neighbor’s lawn. The neighbor then filed suit against the foundation for lawn damages caused by the trucks.

Business Owners Package Claim: 
A nonprofit foundation was holding their monthly membership meeting at a local hall. One of the attendees tripped on an extension cord the chamber was using for a presentation and broke his leg. He then filed a suit against the foundation to cover his medical expenses for his slip and fall.

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