Pre-Qualifications
The following procedures must be in place:
- Background checks must be conducted on all employees and volunteers
Coverage Highlights
Property
- Building
- Business income, including communicable disease and food contamination
- Business personal property
- Key employee replacement
- Systems breakdown
Liability
- General liability: Limits to $1 million per occurrence/$3 million aggregate
- Available on an admitted or non-admitted basis
- Available on occurrence and claims-made forms
- Directors’ & Officers’ liability (nonprofits only)
- Employee benefits liability
- Employment practices
- Off premises activities
- Professional liability
- Sexual abuse and molestation: up to umbrella limit on most risks
- Special events and fundraisers
- Swimming pools, ponds, and lakes
- Volunteers as insureds
Umbrella Liability
Follows form, with limits to $10 million available
Auto
Accident Medical
Crime
Inland Marine
Markel Basic Health
Limited medical benefits for employees available
Underwriting Guidelines
To expedite the underwriting process, we need the following:
- Organization's brochure and web site address
- Loss history
- Vehicle schedule and driver list
- Staff employment application
- Staff training outline
- Director's resume