Comprehensive Property and Casualty Insurance for

Developmental Disability Providers

For over 40 years, we’ve been the leading name in property and casualty insurance for Human Service agencies, specifically insurance for Intellectual and Developmental Disability Service Providers. Our involvement in field-related issues has enabled us to guide insureds through major shifts in the field and develop loss control solutions to proactively address challenges and emerging risks.

Enhancing the quality of life, inclusion and independence. These are some of the ways we measure success for those that we serve in the Intellectual / Developmentally Disabled Community. Services and support comes in many forms and include assistance with community living, employment, education, rehabilitation, medication, leisure, and health. Supports are planned with the individual, their family, and field professionals, while customarily overseen by state and federal bodies.

Read below to learn more about Coverage Highlights, Eligibility Requirements, and Submission Guidelines.

COVERAGE HIGHLIGHTS

Property

Replacement Cost, Agreed Amount & Blanket Limit
Equipment Breakdown
Earthquake & Flood available
Emergency Vacating Expense
Client Monies & Securities included
Room Reserve
Business Income / Extra Expense
Extermination Expense to $5k

General Liability
(Occurrence & Claims made available)

$1M / 3M Limits Standard
Fundraising Events including Liquor Liability
Broad Additional Insured included
Medical Payments up to $25k available
Fire Legal Liability
Separate, Dedicated Abuse Limits
Abuse & Molestation for Employee / Client / 3rd Party
Aggregate per Location Endorsement
Crisis Response
Defense outside the Limits
No binding arbitration endorsement
HIPAA *where available

Umbrella

Excess Limits (if eligible)
Broad coverage over GL, PL, Abuse & Auto
$10k Minimum Retention (SIR)

Crime

Employee Theft
Forgery or Alteration
Fraudulent Impersonation Coverage
Exposure for In-Home Service Providers
Clients Property for Janitorial Contracts

Inland Marine Form

Blanket EDP Coverages
Builder’s Risk Coverage available
Scheduled Equipment

Professional Liability
(Occurrence & Claims made available)

$1M / 3M Limits Standard
Employed and Contracted Professionals
Independent Contractors (excluding MDs)
Vicarious Liability of Doctors
Primary Care Clinics Covered, if eligible
Psychiatrist, Psychologist Coverage

Commercial Auto

$1M Combined Single Limit Liability
Employees as Insured
Non-Owned / Hired Auto
Hired Auto Physical Damage
Auto Loan / Lease Gap (where available)
$50 Towing Limit for Private Passenger Vehicles
Drive Other Car – Executive Officers
Rental Reimbursement available
UM / UIM Coverage

The descriptions of these programs are only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same.