This coverage is purchased as an endorsement to the Commercial General Liability policy. It is intended to cover damages from your organization’s negligent handling of the administration of your employee benefits program.
Enhanced Coverage of NONPROFITS OWN® Employee Benefits Liability
Summaries of key features only. Actual policy language will differ.
- No deductible
- Full policy limits of $1M applies
- Includes claim investigation costs and legal expenses
From the CLAIMS FILES
Employee Enrolled in Wrong Plan:
THE NONPROFIT
An organization focused on providing services to seniors.
THE SITUATION
An employee was enrolled in the wrong dental plan and, when her dentist discovered this, he refused to finish treatment.
THE RESOLUTION
NIA paid for a dentist in the other plan to finish the treatment at a reduced cost.
Employee not Enrolled in Life Insurance Plan:
THE NONPROFIT
An organization focused on support services to persons with a medical condition.
THE SITUATION
An employee who was supposed to be enrolled in a life insurance plan had her application misplaced and then died.
THE RESOLUTION
Her beneficiary made a claim and NIA was prepared to pay the full benefit when the life insurance company stepped up to the plate and paid the claim — subject to NIA paying the premium that would have been due.
Insurance Brokers: To submit business, start by filling out a Broker Appointment Questionnaire and find more information on the Working with Us page.