The Nonprofit
A nonprofit maintained an apartment complex for developmentally disabled adults.
The Situation
One of the nonprofit clients was inappropriately supervised, in violation of applicable statutes, leading to a drowning of the client.
The Resolution
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 incurred.
From the Claims Files stories like the one above are intended to be informational in nature. Coverage will vary depending on language specific to your policy and your specific facts and circumstances.
Please contact your insurance broker and/or agent for your specific coverage implications based on your specific situation and follow any claims reporting procedures from your policy with your broker if there might be a claim.
Nothing in this story should be considered as legal advice or opinion and you should seek independent advice or legal counsel.