Package / Excess Insurance
Coverage for community organizations.
Loss isn’t just possible, it’s probable. That’s why insurance is essential to keeping communities safe. But coverage is only effective if it meets the needs and matches the exposures of the customer. Our Commercial Package Insurance includes: General Liability, Property, Auto and more. And it’s specifically designed for youth-serving community organizations and the environments they operate in. This includes:
- No sublimits on abuse and molestation
- Discretionary medical payments coverage intended to help members heal
- Exceptionally broad property coverage accurately designed for your organization’s facilities.
Learn how our insurance is designed with community organizations specifically in mind.
Abuse and Molestation Coverage
We do not put a sublimit on abuse and molestation. Our customers carry at least $1 million of abuse and molestation coverage or much more if they want it. We do this because after your most traumatic incidents, we want to help make sure your focus is on people, not on payment.
Discretionary Medical Payments Coverage
Our experience shows that paying medical expenses incurred from injuries at your facility or in your program reduces the likelihood of a lawsuit. These claims often come from athletics, camps and daycare programs.
Property Damage Coverage
This is an area where we find exceptionally broad coverage is important. We also include blanket coverage that accurately reflects your programs.