Highlighted Features of our Nonprofits’ OWN Nonprofit Professional Liability Coverage
(All included at no additional charge, unless noted)
- 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
- Reimbursement of wages for an employee suspended from work with pay during an investigation limit $10,000
- Broad definition of insured includes nonprofit organization as well as medical services provider for counseling, evaluation, and nursing services if a volunteer or employee of the organization and includes all other employees and volunteers, as well as interns and students-in-training and individual independent contractors
- 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)
- 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