Specialized coverage for your professional staff, volunteers, and more!
Nonprofits need to protect staff and volunteers against allegations of vicarious liability, negligence, and errors and omissions in the professional services they provide.
A big benefit of NIA’s Social Service Professional Liability (SSP) coverage is that it protects not only employees and volunteers, but also interns, students-in-training, and individual independent contractors.
NIA’s Commercial General Liability coverage is required if you want to purchase
Insured by NIA:
Foster Progress
Chicago, IL
Highlighted features of NIA’s Social Service Professional Liability coverage.
Summary of key features only. Actual policy language may differ.
- Defense costs outside the policy limits
- Separate limits from the General Liability Coverage Form
- Various limits available: Aggregate limit to $3 million
- Umbrella limits up to $1 million may be available
- Prior Acts Coverage is available for an additional charge
- Reimbursement of wages up to $10,000 for an employee suspended from work with pay during an investigation
Broad definition of insured includes the nonprofit organization as well as the medical services provider for counseling, evaluation, and nursing services if that person is a volunteer or employee of the organization.
It also includes all other employees and volunteers, as well as interns, students-in-training, and individual independent contractors.
NIA underwrites each account individually and offers terms and limits based on exposures and prior experience. SSP is available on a claims-made form.
Nonprofit member (other than medical service providers) is covered for alleged improper oversight or supervision of medical professionals.
See policy conditions applying to medical service providers.
- Acupuncturists
- Adoption service employees
- Aides
- Assisted living providers
- Certified nursing assistants
- Childcare workers
- Chiropractors
- Counselors
- Daycare providers
- Educators
- Home health aides
- Instructors
- LPNs
- Mentors
- Nurse assistants
- Nutritionists
- Opticians
- Phlebotomists
- Psychotherapists
- Psychologists
- Resident home care providers and supervisors
- RNs
- Social workers
- Teachers
- Therapists
- Tutors
- Veterinarians
Coverage checklist
This PDF allows you to print and compare coverage features with your clients.
Policy forms
Available for appointed brokers only on the NIA Broker Portal.
From the Claims files:
Here are a few examples of how NIA’s Social Service Professional Liability coverage has helped nonprofits.
A four-month-old foster child, placed in a home certified by a nonprofit, died in her sleep.
A nonprofit’s client was inappropriately supervised, in violation of applicable statutes, leading to a drowning of the client.
A nurse misunderstood a client’s medication orders and gave the client an improper dosage of medicine that caused his death.
List of coverages:
Here’s the menu of NIA’s nonprofit insurance offerings.
Note: NIA’s Commercial General Liability coverage is required if you want to purchase any other coverages from NIA.
Coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury, or advertising injury. Liquor liability included at no extra fee.
Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.
Coverage for employees, volunteers, interns, students-in-training, and independent contractors for damages resulting from errors and omissions in the provision of certain professional services.
Board & Executive is NIA’s brand name for a group of coverages that provide protection for boards of directors and executives. Includes options for Directors and Officers (D&O), Fiduciary Liability, and EPLI.
Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.
Coverage for the physical assets a nonprofit owns or leases — such as buildings, office equipment, computers, furniture, etc. Generous, modified BOP, includes business income and extra expense.
Limited coverage for injury to a volunteer or participant (depending on the coverage) on a no-fault basis. May apply prior to (or in excess of) an individual’s health insurance policy.
While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.