Social Service Professional covers liability for damages arising from errors and omissions in the providing of professional services. Broad coverage applies to nonprofit professionals, including nurses, educational professionals, veterinary professionals, adoption service employees, aides, assisted living providers, childcare workers, counselors, daycare providers, instructors, mentors, nurse assistants, psycho-therapists, psychologists, resident home care providers and supervisors, social workers, therapists and tutors. Psychiatrists and other physicians must have their own professional insurance.
Enhanced Coverage of Nonprofits OWN Social Service Professional
Summaries of key features only. Actual policy language will 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 to $10 million available
- Prior Acts Coverage available for additional charge
From the CLAIM’S FILES
Medicine Dosage Error:
A nonprofit provided home healthcare to the elderly. One of its nurses misunderstood a client’s medication orders and gave the client an improper dosage of medicine that caused his death. The ensuing litigation was protracted because the prescribing physician was also a defendant, along with the nonprofit and its nurse. Eventually we were able to settle the nonprofit’s and nurse’s exposures for $100,000, although it took almost $46,000 of defense legal costs to get that result.
Foster Child Death:
A four-month old foster child, placed in a home certified by a nonprofit, died in her sleep. The natural mother, a recovering drug addict, brought a lawsuit against the foster parents and the nonprofit. Following the plaintiff’s deposition, during which no breach of duty could be identified, we asked for and received a voluntary dismissal of the nonprofit. No loss was paid. Legal costs totaled $18,000.
A nonprofit maintained an apartment complex for developmentally disabled adults. One of the nonprofit clients was inappropriately supervised, in violation of applicable statutes, leading to a drowning of the client. Despite efforts to resolve the matter, the action went to trial after which the plaintiffs accepted a settlement for less than the policy limits. Defense fees and costs were approximately $50,000.