Developmentally Disabled
Services for the developmentally disabled can range from small to large organizations and can be either nonprofit or for profit.
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Insurance 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
- 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
Coverages can include:
- Professional liability
- General liability
- Abuse and molestation
- Directors and officers
- Employment practices liability
Additional coverages available:
- Auto
- Cyber liability
- Employment benefits liability
- Property
- Umbrella
Markets
Claim Examples
Professional
Negligent professional services are rendered to a patient of a developmentally disabled service organization. The patient’s family sues for pain and suffering due to the negligent professional advice.
General Liability
A client slips and falls when walking into the lobby of a developmentally disabled service organization. The client breaks his arm and sues the organization.
Abuse and Molestation
A man who is volunteering for a developmentally disabled mentoring service 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, and the abuse and molestation coverage responds for bodily injury and mental duress.
Directors and Officers
A donor made a large contribution to a local developmentally disabled therapy organization 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.
Employment Practices
A volunteer at a developmentally disabled counseling organization receives numerous sexual advances from a staff member. The volunteer sues the organization, and the employment practices Liability policy responds for sexual harassment.
Hired and Non-owned Auto
Holly is a staff member working for a developmentally disabled service 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 and non-owned auto policy of the nonprofit organization.
Property
A fire breaks out as a result of cooking in the common kitchen area of a vocational cooking school for the developmentally disabled, which results in extensive smoke and heat damage to both the building and its contents, and forces the vocational school’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.