Our Community and Social Services Program provides a broad scope of coverage to meet the unique exposures of our clients providing Community and Social Services. In addition to some of the program highlights below, clients also benefit from our Risk Management Services, Claims Management Services, and referral to a Facility Users Group Program provider, and our partnership with the Risk Assist provider.

Community and Social Services Program Highlights

• Comprehensive Liability
• Broad definition of Insured
• Abuse coverage
• Errors & Omissions/Directors & Officers Liability (Non-Profit)
• Non-Owned Automobile Liability
• Environmental Liability, not limited to sudden and accidental losses
• Crime including theft, burglary, robbery and employee infidelity
• Board Members' Accident Insurance
• Legal Expense Insurance
• Blanket Property of Every Description coverage
  • replacement cost, including for heritage and historic buildings
  • no co-insurance or margin clauses
  • no statement of values or stated amount clauses
  • Debris removal (including Environmental/Pollution Clean-up) to the policy limit
• Electronic equipment and Electronic Data Processing (EDP) equipment
• Equipment Breakdown (Boiler & Machinery) coverage
• Automobile Fleet Insurance
  • Replacement cost (new for old) available per guidelines
• Other coverage available as specific circumstances arise

Contact us or your local broker to learn more about our Community and Social Services programs.

Brochures relating to our Daycare, Children and Youth Programs, and YMCA/YWCA Program can be found here.