Highlighted Features of our Nonprofits’ OWN Nonprofit Professional Liability Coverage
(All included at no additional charge, unless noted)
- No Deductible
- Separate Limits from the General Liability
- Occurence Limit $1 million: Aggregate Limits to $3 million and Umbrella Limits to $10 million available
- Occurrence Form, not Claims-Made
- Prior Acts Coverage available for additional charge
- Reimbursement of Wages for an employee suspended from work with pay during an investigation. Limit $10,000
- Broad definition of insured includes the nonprofit itself as well as medical services providers for counseling, evaluation and nursing services if a volunteer or employee. Also includes all other employees and volunteers, as well as interns and students-in-training
- Nonprofit member (other than medical service providers) covered for alleged improper oversight or supervision of medical professionals (see policy conditions applying to medical service providers).
- Broad coverage applies to nonprofits professionals including (but not limited to):
- Acupuncturists
- Adoption service employees
- Aides
- Assisted living providers
- Childcare workers
- Chiropractors
- Counselors
- Daycare providers
- Educational professionals
- Home Health Aides
- Instructors
- Mentors
- Nurses
- Nurse assistants
- Nutritionists
- Opticians
- Phlebotomists
- Psychotherapists
- Psychologists
- Resident home care providers and supervisors
- Social Workers
- Therapists
- Tutors
- Veterinary professionals