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gateway special insurance berkshire hathaway


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

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

 

Get a quote for a nonprofit or for-profit homeless shelter by completing an application.

 

Coverage for a nonprofit or for-profit homeless shelter 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

 

Homeless shelter claim examples

Property Claim:
A fire breaks out as a result of cooking in the common kitchen area of a homeless shelter, which results in extensive smoke and heat damage to both the building and its contents, and forces the homeless shelter's 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 homeless shelter 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 homeless shelter 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 homeless shelter receives numerous sexual advances from a staff member. The volunteer sues the shelter’s Employment Practices policy for sexual harassment.

Directors and Officers Claim:
A donor made a large contribution to a local homeless shelter 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.

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