| The SOCIAL SERVICE INSTITUTION PROGRAM | |||||
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Business & Institutional Coverage
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Coverage highlights specifically designed for social service institutions include (Optional Coverage): |
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| Abuse or Molestation Liability Coverage Insurance protection against lawsuits alleging acts of a sexual nature committed by an insured with a client. This is becoming one of the most frequent lawsuits filed in the Courts today. |
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Counseling Professional Liability Coverage For damages arising out of a counseling incident resulting from marriage or family therapy, child placement, vocational counseling, educational or learning disability therapy, per claim/aggregate limits same as CGL occurrence limit; umbrella is available with some carriers. |
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Directors and Officers Liability Protection for the Board of Directors, employees, volunteers, and the Association against allegations of incompetence in executive management decisions. Legal protection for Employee related claims (such as wrongful termination, discrimination, etc.) can also be included for an Additional Premium. |
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Commercial Automobile Coverage Public automobiles including Social, Civic, Charitable Service Organization Auto, Buses, or Vans. |
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