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Social Services Professional and General Liability

Minimum Premium
    $1,500

Beyond traditional medical malpractice insurance, NAS offers expanded PL/GL coverage to meet the growing needs of personal, family and community services organizations. 


Brian Alva
Vice President
Email Us
818.382.6103

 



Matthew Thoburn
Assistant Vice President
Email Us
818.382.6102

 



Justin Sanches
Underwriter
Email Us
818.479.4303

 




PRODUCT HIGHLIGHTS

  • Occurrence GL is available
  • Sexual misconduct up to a $1,000,000/$3,000,000 limit
  • $2,000,000 sexual abuse limit available when required by contract
  • Hired and Non-owned Auto coverage available up to $1,000,000 limit
  • Evacuation Expense
  • Defense outside the limits is available by endorsement
  • First dollar defense coverage
  • Up to $250,000 sub-limit for MEDEFENSE® Plus (includes HIPAA violations)
  • Up to $1,000,000 Limit for e-MD® cyber liability (includes breach response costs)
  • Reputational Harm Coverage
  • Disciplinary Proceedings Coverage
  • Extended reporting period is available

LIMITS AVAILABLE

Stand-alone Professional:

  • $6,000,000 each claim/$8,000,000 aggregate

Combo - GL and Professional

  • $6,000,000 professional liability limit
  • $6,000,000 commercial general liability limit
  • $6,000,000 products/completed operations limit
  • $6,000,000 personal & advertising injury limit
  • $5,000 medical expense limit
  • $50,000 fire legal liability limit
  • $8,000,000 aggregate all coverages

Excess Liability - GL and Professional - Limits up to:

  • $5,000,000 each claim/$5,000,000 aggregate

 

Minimum Premium: $1,500

Mimimum Deducitble: $0

Classes

Eligible classes include, but are not limited to, the following:

  • Inpatient Mental Health & Substance Abuse/Rehabilitation Facilities
  • Transitional Living Facilities (Homeless Shelters, Halfway Houses, etc.)
  • Group Homes for the Developmentally Disabled
  • Methadone Clinics
  • Adult Day Care & Sheltered Workshops
  • Meals on Wheels
  • Outpatient Mental Health Counseling (Family, Behavioral, Substance Abuse, etc.)
  • Psychiatrists
  • Employee Assistance Programs
  • Referal Agencies
  • Respite Care
  • Crisis Hotlines
  • Day Schools for the Developmentally Disabled

 

Ineligible Classes: 

Foster Care Exposures, Adoption Agencies, Juvenile Detention Centers

Ineligible Territories: 

Alaska


special features

Sub-limits of MEDEFENSE® Plus and e-MD® provide coverage beyond standard Professional and General Liability insurance to address the growing regulatory and patient data risks facing human services organizations.

NAS offers both coverages up to $100K sublimit in the Social Services program

$2 Million limits available for Sexual Misconduct when required by contract

DOWNLOADS

   

Social Services Highlight Sheet

   

Social Services GL Application