Boardwalk Insurance Group

Property, General Liability and Event Liability Insurance for Social and/or Service Organizations

Property, General Liability and Event Liability Insurance for Social and/or Service Organizations 4.50/5 (90.00%) 2 votes

Social and Service Organizations are generally very active in their communities.  Many events are frequently hosted both on and off property owned by the organization, necessitating insurance to protect that organization in the event of unforeseen circumstances.

If you are a founder, director, or board member of a Social or Service Organization, it is important that your organization hold insurance to cover property, general day-to-day operations, and events.  Insurance protects organizations from the unexpected and helps guarantee the organization’s future.

The Hit Zone Our highest hit radio

* No losses or circumstances in the past five years

* Classes include but are not limited to:

•     Abused Adult Shelters (Battered Women)

•     After School Tutoring

•     Animal Shelters/Rescue Groups

•     Anxiety Counseling

•     At Risk Youth Counseling

•     Big Brother/Big Sister Organizations

•     Botanical Gardens

•     Boys & Girls Clubs

•     Career & Vocational Counseling

•     Caregivers (Non-Medical)

•     Child Care

•     Community Centers

•     Conservation Groups

•     Counseling & Referral

•     Counseling for Eating Disorders

•     Credit Debt Counseling

•     Crisis Intervention (Non Suicide)

•     Food Banks/Soup Kitchens

•     Gay/Lesbian Services

•     Government Assistance Services

•     Group Homes – mildly handicapped adults

•     Halfway Housing

•     Healthcare Clinics

•     Historical Societies

•     Homeless Shelters

•     Horticultural Societies

•     Hospices

•     Job Placement Services

•     Learning Disorder Services

•     Parenting Education

•     Pregnancy Help Centers

•     Prison Families Support Services

•     Psychologist Services

•     Reading Programs

If you do not see your organization here, this type of policy can still cover your property, events, and general operations.  Contact a Boardwalk Insurance Group representative to see if your organization qualifies.

Eligible Risks

•     Any class not listed as ineligible

•     No more than two claims in the past 5 years for any one line of business

Product Advantages

•     Separate limits of liability for D&O and EPL claims (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis.)

•     Full prior acts coverage for D&O and EPL coverage

•     Unlimited Defense outside the limits

•     Lifetime Occurrence Reporting Provision for the former Directors & Officers

•     Third party sexual harassment and third party discrimination coverage

•     Separate limits of liability for General Liability/Professional Liability (E&O)/Abuse  & Molestation.

•     General Liability/Professional Liability (E&O)/Abuse & Molestation written on an Occurrence form

•     Contingent Professional Liability for specific medical professional

•     Property written on Special Form

•     Special Events Coverage available

•     Hired and Non Owned Auto Liability coverage available

•     Expanded definition of Bodily Injury to include Mental Anguish or Emotional Distress

•     Optional Value Plus Endorsement

•     Optional Equipment breakdown – includes free boiler inspection if required in your jurisdiction

•     No General Liability deductibles

•     Admitted Product available in most states

•     Security of an insurance carrier rated A++ by A.M. Best

Available Limits

Directors & Officers

•     Up to $5,000,000 for D&O and EPL. The EPL limit may not exceed the D&O limit


•     General Liability: $1,000,000

•     Molestation & Abuse: Up to $1,000,000 each claim

•     Professional Liability: $1,000,000/1,000,000


•     Up to $3,000,000 Total Insured Value (TIV) when no habitational and risk is located in a Protection Class 1-6 zone.

•     Up to $1,000,000 when no habitational exposure and risk is located in a Protection

•     Class 7-10 zone. If habitational exposures exist, TIV cap is $500,000

•     Maximum Property value of $500,000 per location for Coastal Zone accounts


•     Up to $5,000,000 limit

If you are involved in a Social or Service Organization and want to ensure your organization holds adequate insurance coverage while saving money, you should contact a representative at Boardwalk Insurance Group.  This independent agency will take the time to learn the risks associated with your organization, whether concerning owned property or events in the community.