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SPCA Kitten

Gateway Specialty Insurance has top rated markets to quote package or monoline insurance for an SPCA.


Get a quote for an SPCA, humane society, animal rescue or shelter by completing an application.


Coverage for an SPCA, humane society, animal rescue or shelter can include:

General Liability

Directors & Officers Liability

Employment Practices Liability

Abuse and Molestation

Cyber Liability

Professional Liability


Equipment Breakdown

Business Income

Special Events



Crisis Intervention Coverage

Employee Benefits Liability

Blanket Additional Insureds


Nonprofit SPCA claim examples

Property Claim:
A fire breaks out as a result of cooking in the common kitchen area of a nonprofit SPCA, which results in extensive smoke and heat damage to both the building and its contents and forces the SPCA 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 a nonprofit SPCA. 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.

Hired/Non Owned Auto Claim:
Holly is a caregiver working for a nonprofit SPCA organization that provides companionship. While Holly is driving a client for a visit to the Doctor’s office she fails to yield at a stop sign and strikes another vehicle. The client 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 religious outreach organization.

Abuse and Molestation Claim:
A man who is volunteering for a nonprofit SPCA receives consent to take a girl he is mentoring on a trip. During the trip, the girl 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 at a nonprofit SPCA 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 nonprofit SPCA 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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