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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

Gateway Specialty Insurance writes a wide array of nonprofit and for profit human service organizations. Gateway Specialty’s carriers have specialized underwriting and coverage for the unique exposures that face these types of organizations, and provide risk mitigation tailored to each insured’s needs. 

 

Get a quote for a Human Service organization by completing an application.

 

Human Service organizations can include:

Substance Abuse

  • Outpatient Services
  • Residential Facilities including detox
  • Sober Living Homes
  • Suboxone and Methadone Treatment

 Mental Health

  • Group Homes
  • Independent Living Services
  • Outpatient Services
  • Residential Facilities
  • Tele-psychiatry
  • Counseling and Case Management

Community Services

  • Advocacy, Outreach and Education
  • Human Development Agencies
  • Senior Adult Daycare
  • Destitute Services and Shelters
  • Domestic Violence Shelters
  • Easter Seals
  • Pregnancy Advocacy

Developmentally and Intellectually Disabled

  • Speech and Occupational Therapy
  • Day Treatment Programs
  • Group Homes
  • Independent Living Services
  • Intermediate Care Facilities
  • Vocational Programs and Workshops
  • Behavioral Therapy

Youth Services

  • Counseling and Therapy
  • Foster Care Agencies
  • Domestic Adoption
  • Headstarts
  • At-risk Residential Facilities
  • Early Intervention
  • Services for Autistic Youth
  • CASA (Court Appointed Special Advocates)

 

 

 

 

Coverage for a Human Services 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

 

Human service organization claim examples

501c3-nonprofit-insurance1Property Claim:
A fire breaks out in the common kitchen area of a battered women’s shelter which results in extensive smoke and heat damage to both the building and its contents and forces the 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.

General Liability Claim:
A parent and a child are selecting a new family pet at an Animal Shelter. While petting the animal, it lunges for the child and bites her on the hand. The child receives ten stitches. The parents of the child file a lawsuit for pain and suffering as well as emotional trauma.

Professional Liability Claim:
A Registered Nurse administers a pain relieving intravenous drug to an abuse shelter 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.

Hired/Non Owned Auto Claim:
Holly is a staff member working for an abuse shelter organization 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 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 an abuse shelter receives consent to take a woman he is mentoring 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.

Employment Practices Claim:
A volunteer nurse at a abuse shelter receives numerous sexual advances from a staff member. The volunteer sues the clinic’s Employment Practices policy for sexual harassment.

Directors and Officers Claim:
A donor made a large contribution to a local victim of abuse 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.

General Liability Claim:
A parent and a child are selecting a new family pet at an Animal Shelter. While petting the animal in a room reserved for this purpose, the dog lunges for the child and bites her on the hand. The child receives ten stitches. The parents of the child file a lawsuit for pain and suffering as well as emotional trauma.

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