Social Services Insurance and Non Profit Insurance in Massachusetts

Yes, legal expenses are included in the policy and don’t affect liability limits. You will still have the full limit of liability for each individual claim after paying defense costs.

A claims-made policy provides professional liability protection for incidents that occur while the policy is active (between the effective date and expiration date of your policy). It’s important to remember that claims must be reported while the policy is in force. An extended reporting period endorsement (or tail) can be added to protect you against allegations made for an agreed-upon period of time after the policy expires. 

Nonprofit organizations may run a variety of programs under one umbrella, exposing them to a bigger variety of risks. Additionally, nonprofits often work with vulnerable populations including seniors, children, and troubled teens. Nonprofits need insurance to cover volunteers and coverage for medical malpractice and social service professional risks. Simply put, the insurance needs of nonprofits are often more complex than those of a business with a single focus.

There are many factors that help determine the coverage you need such as the size of the organization and the unique risks you face. Many community-based social services and non-profit organizations purchase in excess of $1 million in coverage. However, if your organization has significant assets, you may need to purchase a commercial umbrella policy for higher limits to ensure you have the right protection.

Accidents and injuries (automobile or slip and fall accidents) that occur on the premises of a nonprofit location or the location of a nonprofit special event are the most common claims that occur. Other claims include improper employment allegations, sexual abuse, and professional errors or negligence.