CalNonprofits Insurance Services

YIKES! Could That Really Happen?

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April 18, 2017

What would you do if:

  • A child under the care of an employee for your organization was given the wrong medication and hospitalized?
  • A teacher restrains a difficult child but does not correctly follow take-down protocols?
  • A caller to your suicide-prevention hotline later harms themselves?
  • A baby in a foster care home (certified by your nonprofit) dies in her sleep?

If you think your regular General Liability insurance policy would protect your organization, you might have an unhappy, potentially expensive surprise.

Protection for incidents such as these are better handled with Social Service Professional Liability coverage. Professional Liability includes errors and omissions in providing or failing to provide social services. In some cases, this coverage is added by endorsement to your General Liability policy. Other times, a separate policy will be obtained. Premiums will vary based on the number of employees covered, and the type of services you provide.

While most Social Service Professional policies cover professionals such as nurses, instructors, resident home care providers, childcare workers, therapists, and more, be aware that physicians and psychiatrists are usually excluded and must have separate coverage.

As always, not all policies are created equally! To find out more about proper protection for your organization, we strongly recommend discussing your options with your CalNonprofits Insurance Property/Casualty Account Manager.

About the Author

  • Founded in 1984 as a subsidiary of the California Association of Nonprofits (CalNonprofits), CalNonprofits Insurance Services was established during a time of diminishing insurance options for nonprofits. One of the driving reasons for establishing the association was to use the collective influence of the sector to secure more stable and quality insurance. We have developed, and are known for, our wide spectrum of services reflecting expertise in both the insurance and nonprofit sectors, our superior customer service, and our development of exclusive insurance products, including a highly successful dental and vision trust. We insure more than 1,200 nonprofit organizations throughout California and we are the only California brokerage specializing in insurance for nonprofits. Our clients range from newly established nonprofits all the way to venerable organizations with multiple locations statewide.

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