Affinity Nonprofits Offers Insurance Solution for Social Service Organizations

PRODUCT: Social Services Connect

COMPANY: Affinity Nonprofits

BEST RATING: A+ (superior), Arch Insurance Group

AVAILABILITY: Coverage is available through independent agents.

FOCUS: Due to the diverse nature of their offerings, organizations that provide social services traditionally have trouble accessing competitive insurance options, explains Paul Sullivan, senior vice president and chief underwriting officer, property-casualty programs at Arch Insurance Group.

But Affinity Nonprofits, a division of Aon Affinity, has established a partnership with Arch Insurance Group to offer Social Services Connect, a suite of p-c products. “This new product portfolio meets the needs of the social service community and brokers alike,” says Amy Doherty, senior vice president, Affinity Nonprofits. “Our program with Arch has a very broad appetite, as well as a mix of products to meet the growing need for competitive property and casualty products for this sector.”

UNDERWRITING: Coverage includes property, general liability and professional liability, sexual abuse and molestation, crime, inland marine, commercial automobile and excess liability. Submission requirements include completed ACORD applications, the Affinity Nonprofits supplemental application, current statements of value and three years of carrier loss runs.

Various limits are available for property coverage—building, personal property, business interruption/extra expense, equipment breakdown and inland marine—with a standard deductible of $1,000.

Commercial general liability coverage is $1 million per occurrence and $3 million general aggregate. Products/completed operations coverage is $3 million. Real property legal liability coverage is $1 million. Medical payments coverage is $20,000. Claims-made employee benefits liability coverage is $1 million per claim and $3 million annual aggregate. Professional liability coverage is $1 million for each occurrence and $3 million annual aggregate. Abuse and molestation coverage is $1 million per occurrence and $3 million annual aggregate.

Crime coverages include $1 million for employee dishonesty; $1 million for forgery; $100,000 for theft, disappearance and destruction; $100,000 for robbery and safe burglary; $100,000 for premises burglary; $500,000 for computer fraud; $100,000 for premises theft and robbery outside premises; and $100,000 for robbery and safe burglary of money and securities.

Inland marine coverages include electronic data processing equipment, $500,000; fine arts, $250,000; transit/off premises, $50,000; valuable papers, $250,000; miscellaneous contractors equipment, $100,000; and accounts receivable, $250,000.

Commercial automobile coverages include automobile liability, $1 million combined single limit, each accident; physical damage, actual cash value; comprehensive minimum deductible, $500; uninsured/underinsured motorists, $1 million each accident; hired/non-owned auto liability, $1 million each accident; hired automobile physical damage, $50,000; and medical payments, each person, $15,000.

Excess/umbrella limits are available up to $10 million, and self-insured retention is $10,000.

MINIMUM PREMIUM: $1,500.

TARGET: Nonprofit social service organizations; mentoring organizations, homes, villages and shelters; community action agencies; community centers; food banks; thrift stores; homeless shelters; community service and involvement organizations; membership organizations; advocacy and awareness organizations; and organizations involved with disease education and advocacy.

Ineligible risks include those that provide mental health, substance abuse and addiction treatment services; adoption or foster care placement services; or pregnancy/abortion counseling. Public, charter and private schools, as well as churches and religious organizations, are also ineligible.

COVERAGE TERRITORY: All states except New York, Virginia and Washington.

CONTACT: Amy Doherty, senior vice president; Affinity Nonprofits, 1120 20^th Street, NW; Sixth Floor, Washington, DC 20036; 202-429-8571.

Ronimarie Acord is an IA contributor.