As the list below shows, Selective’s program for social services offers a wide array of coverages to meet your specific needs. And many coverages are built in at no additional cost. Please contact your Selective agent for more information.
Commercial Property
- Broadened water coverage
- Emergency vacating (for expenses associated with transporting consumers to a safe location)
- Employee dishonesty, including welfare and pension plan ERISA compliance
- Computers and media
- Money, securities and stamps, including money of consumers
- Personal property of others, including property of consumers
- Systems PowerPac (equipment breakdown coverage)
General Liability
- Blanket additional insured coverage
- Volunteers as insureds
- Damage to premises rented to you
- Medical payments for not-for-profit members
Allied Health Care Liability
- Occurrence form
- Limits $1,000,000 occurrence/$3,000,000 aggregate
- Insureds include employees, volunteers and students in training for acts within the scope of their duties
Automobile
- Blanket additional insured
- Physical damage coverage to volunteers’ and employees’ autos – $500 limit
- Additional transportation expense
- Property of others, including consumers
- Lease gap coverage (not available in New York)
- Excess hired car physical damage
To help you tailor your insurance program to your individual needs, Selective offers a variety of optional coverages, including:
- Sexual abuse and molestation coverage (occurrence form)
- Innocent employee, volunteer and student in training limited civil expense coverage
- Loss of income coverage (actual loss sustained – non-profits only)
- Key employee replacement expense (administrative costs associated with the replacement of the executive director)
- Bonds (fidelity, employee dishonesty, treasurer, etc.)
- Employee benefits liability
- Flood and earthquake
- Inland marine, including builder’s risk
- Umbrella
- Limits up to $10 million, with no minimum retention
- Sexual abuse & molestation (may be available)
When you purchase insurance from Selective, you get more than just a policy. Our Safety Management team offers a wide array of value added services you need to help create a safer environment for your employees and customers and to help you manage your insurance costs by reducing claims.
- Best practices assessment/gap analysis
- Contractual liability consultation
- Customized workers compensation cost containment
- Driver and fleet safety programs
- Exposure reduction consultations
- OSHA 30-hour training
- Premises liability reviews
- Regulatory guidance
- Safety assessment and benchmarking tools
- Sprinkler system evaluation and analysis
- Supervisor accountability programs
- Thermographic infrared surveys
For more information about Selective's Safety Management services, click here.