Coverage Information

1. Special causes of loss on building, contents, loss of income, and extra expense.
2. Commercial General Liability, Professional Liability, and Excess Liability all with one carrier.
3. Abuse coverage is available.
4. Coverage for fundraising events is available.
5. Owned Automobile coverage is available.
6. Non-Profit specific Risk Management Services provided.

Additional Benefits

1. Separate coverage part so no erosion of General Liability aggregate limit.
2. Primary or contingent liability included for employed, contracted, or volunteer physicians and dentists.
3. Covers students in training.
4. Independent contractors.
5. Occurrence or claims-made forms available.
6. Primary or contingent liability available for employed, contracted, or volunteer physicians and dentists:

a. Professional medical coverage will attach, as a broadening endorsement, to the basic Professional Liability Coverage Form. It will therefore follow either the occurrence or claims made format applicable to the basic PL coverage. The med mal coverage shares limits with the PL limit.

b. Med Mal includes “Good Samaritan” coverage for employed physicians.

• What are the most important things a customer should consider when shopping for a non-profit coverage?

  Experience in working with nonprofits, service, and financial stability are key strengths customers should look for. When it comes to coverage, PHLY offers:

  o   Separate coverage part so no erosion of General Liability aggregate limit.

  o   Primary or contingent liability included for employed, contracted, or volunteer physicians and dentists Covers students in training.

  o   Occurrence or claims-made forms available.

• Which Professional Liability Policies are best for small to medium businesses?
  Each nonprofit organization should talk with their agent about their unique exposures, including professional liability coverages that mitigate risks that apply to them. The primary professional liability coverages for nonprofits to consider are Directors & Officers, Error & Omissions, and Cyber Liability. PHLY offers expertise in these coverages and more as part of its comprehensive non-profit package.