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Get a quote for a YMCA or YWCA organization by completing an application.
Coverage for a YMCA or YWCA organization can include:
Directors & Officers Liability
Employment Practices Liability
Abuse and Molestation
Crisis Intervention Coverage
Employee Benefits Liability
Blanket Additional Insureds
YMCA or YWCA Claim Examples
A fire breaks out in the common kitchen area of a nonprofit YMCA/YWCA which results in extensive smoke and heat damage to both the building and its contents and forces the YMCA/YWCA to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 as in property damage and extra expenses.
Hired /Non Owned Auto Claim:
Holly is a staff member working for a nonprofit YMCA/YWCA 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 YMCA/YWCA 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 nonprofit YWCA 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 YMCA 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.