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Coverage for a nonprofit big brother big sister organization can include:
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Crisis Intervention Coverage
Employee Benefits Liability
Blanket Additional Insureds
Big brother big sister claim examples
A fire breaks out as a result of cooking in the common kitchen area of a nonprofit big brother big sister organization which results in extensive smoke and heat damage to both the building and its contents, and forces the big brother big sister 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 big brother big sister 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 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 big brother big sister receives consent to take a girl he is mentoring on a trip. During the trip, the woman 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 big brother big sister 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 big brother big sister 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.