Social Services Protection Package
eGoodwin Social Services  Protection Package
Meeting the insurance needs of people in the business of helping others eGoodwin Social Services  Protection Package serves the greater good of our communities by providing insurance coverage tailored to organizations that provide services to people with special needs. More specifically, this product is ideal for:
– Clients who care for the elderly, the disadvantaged, and others with physical or intellectual disabilities   Â
– Mental health adult residential programs
– Daycare centers for children with and without special needs
Because many of our own agents already have a substantial number of accounts in this segment, Harleysville’s ability to serve this important market is further evidence of our commitment to helping our agency partners grow their core business.
We Specifically Like to Insure
Profit and non-profit entities that assist:
• Battered women
• Drug/alcohol addicts
• Homeless people
• People who are developmentally disabled
• Down Syndrome/People with intellectual disabilities • Cerebral Palsy
• Autism
• People in need of family/marital counseling • Senior citizens
Entities that serve communities, including:
• Food banks
• Jewish community centers • YMCAs
Entities that serve children: • Before and after-school daycare
• Child and infant daycare centers
• Nursery schools
• Preschools
Non-residential advocacy groups
• Organizations that advocate for a particular cause, such as autism awareness
Non-residential community action agencies/outreach programs, such as:
• Early childhood programs ( i.e., Head Start or other early intervention programs)
• GED classes
• Sheltered workshops for the developmentally disabled
• Weatherization programs
Non-residential adult day care centers for seniors, with activities that may include:
• Arts and crafts
• Exercise classes
• Meals
• Occupational/physical therapy
Non-residential
• Community centers
• Daycare for special needs children
• Schools/programs for people with hearing loss or vision impairment
• Self-help organizations, such as grieving support groups
• Vocational rehabilitation
Residential
• Alcoholism and drug rehabilitation centers,
including detoxification
• Emergency shelters/transitional living
• Group homes for developmentally
disabled people, including those with intellectual disabilities (excluding senior living)
• Homes for the brain-injured
• Hospice
• Intermediate care centers for special needs
(excluding senior living)
• Supported apartments/independent living
What we won’t write:
Non-residential
• Disaster services
• Home health agencies/visiting nurses
Residential
• Assisted living
• Foster care
• Low-income/affordable housing (Section 8) • Nursing homes/skilled care for any
segment of the population
• Residential facilities for fire-starters • Residential offender programs,
including sexual offenders of any sort
The Lines of Coverage We Provide Include
Commercial Property Coverage
You Buildings and personal property.
Crime Coverage
Coverage guards against a wide range of exposures, including employee theft, forgery and alteration, and loss of money and securities.
Inland Marine Coverage
We provide inland marine coverages for things such as valuable papers and records, electronic data processing (EDP) equipment, and more.
Commercial Auto Coverage
-Owned autos including vans and buses
-Hired and non-owned autos
-Rental reimbursement for private passenger vehicles
We can upgrade the commercial auto policy to provide coverage for mental anguish, loan lease gap coverage, and hired car physical damage protection.
Commercial General Liability Coverage
-Limits up to $1 million occurrence/$3 million aggregate n Premises and Products/Completed Operations liability n Personal and Advertising Injury liability
-Employees and volunteers as insureds
 Professional Liability Coverage
-Available to all insureds with professional liability exposure
-Limits up to $1 million occurrence/$3 million aggregate
-Coverage available on an occurrence or claims-made basis (may vary by state)
-Covers all insured’s professional employees, such as nurses, social workers, and counselors, unless specifically excluded
-Provides vicarious liability coverage for contracted physicians and all psychiatrists
Commercial Umbrella Coverage
-Limits up to $10 million occurrence/$10 million aggregate
Optional Amendatory Endorsements Provide:
-Professional liability on an occurrence or claims-made basis—either up to umbrella limit or on a sublimited basis (Minimum underlying limits $1 million/$2 million)
-Abuse or molestation on an occurrence or claims-made basis—either up to umbrella limit or on a sublimited basis. (Minimum underlying limits $1 million/$2 million)
Management Liability Protection
-Directors & Officers Liability (D&O) nEmploymentPracticesLiability (EPL)
-Fiduciary Liability
-Crime (Covers for-profit organizations only) Â Cyber Liability
Accident Insurance for Day Cares
 Pays medical benefits for children who are injured under their professional care, without regard to fault:
-Can be purchased on a primary or full excess basis
-Pays $25,000 per child per accident
-Pays additional benefits for accidental death, dismemberment, and/or paralysis
Other Policies
