Industry-Leading Insurance Packages for Non-Profit and Social/Human Services
Customized Insurance Policies with Comprehensive Coverage
Non-profit and human service organizations face a wide variety of risks and exposures. As a leading provider of non-profit and human service insurance, Philadelphia Insurance Companies (PHLY) offers tailored insurance packages to meet the specific needs of organizations in the non-profit, social services, and human services sector.
Why PHLY?
Commitment to the Community
PHLY has a long-standing history of community involvement, having contributed nearly 50 million dollars to charitable organizations. We partner with organizations to support everything from children's health to environmental sustainability.
Superior Ratings
Our A+ rating from Standard & Poor's and an A++ (Superior) rating from the AM Best Company means we have the financial strength to be there when we're needed the most. PHLY is also a nationally recognized member of Ward's Top 50 Benchmark Group of Property/Casualty insurance companies for exemplary service and achievement.
Exceptional Customer Service
At the core of what we do is a commitment to exceed customer expectations. We have a 96% Overall Customer Service Satisfaction rating that is consistent with the resources we dedicate to our customers. As a testament to our customer-centered approach, our retention rate with non-profit organizations is over 90%. Choosing PHLY means choosing a company that puts customer support at the center of everything it does.
Customization and Control
When non-profits choose PHLY, they won't get a one size fits all policy. They will get a customized policy designed to meet the unique needs of their organization. With more than 30 years of experience in non-profit and human services work, we are dedicated to delivering the best insurance solutions in this sector.
Broad Coverage with Proven Results
We are equipped to fulfill a wide range of insurance needs for the non-profit sector. Every non-profit and human services insurance policy addresses the specific exposures of the policyholder with wide-ranging coverages available.
General Liability Coverage
General liability coverage is designed to protect non-profit organizations in a wide variety of scenarios. Key benefits of our human services and non-profit insurance policies include:
High limits available (up to $1M per occurrence / $3M aggregate)
Abuse and Molestation coverage offered
Comprehensive medical payments for volunteers
More than 30 additional coverage and extension options available
Professional Liability Coverage
We protect your client's general liability aggregate limit by offering a separate coverage form and set of limits. With PHLY's coverage, your client can expect:
Accessible occurrence or claims-made forms
Full coverage for students in training
Additional primary or contingent liability coverage for select employed, contracted, or volunteer physicians and dentists is available (subject to underwriting review).
Property Coverage
Property damage is a reality that non-profit and human services organizations face every day. Our property coverage is broad and comprehensive, with available benefits including:
Equipment Breakdown coverage
Blanket limits with large in-house capacity
Ordinance or Law coverage included up to building limit
Automobile Coverage
Auto coverage is available for many human services organizations. PHLY's specialized automobile policies include:
Coverage for owned, non-owned, and hired vehicles
Online driver safety programs
Electronic Auto ID card issuance
Automatic Gap coverage for leased and financed vehicles
Cyber Liability Coverage
Our comprehensive cyber insurance product allows non-profit and service organizations to respond to data breaches and other cyber incidents with features including:
Full policy limits available for forensic IT costs
Industry-leading coverage for both first and third party exposures
Available contingent business interruption and system failure coverage
Crime and Fidelity Coverage
Comprehensive crime and fidelity policies cover the most common threats to organizations. Non-profit insurance policies offer available wide-ranging coverage and peace of mind with features such as:
Employee theft
Employee forgery
Money and securities fraud
Directors and Officers (D&O) Liability Coverage
Claims made against the leaders of a non-profit organization can be devastating to the whole organization. PHLY's D&O insurance offers available coverage with benefits such as:
Addition of defensive costs apart from the Limit of Liability
Integration of full entity coverage for the entire organization
Inclusion of most favorable venue wording for punitive, multiple, or exemplary damages
Inclusive Policies for the Non-Profit and Human Services Sector
PHLY is proud to cover a wide range of non-profit, human services, and charitable organizations. Below is a list of categories we currently cover with our non-profit and human service insurance:
With PHLY, your client gets more than just an insurance company. They get a partner dedicated to customer service, exceptional products, and dedicated expertise. To learn more about how to get all of your client's non-profit insurance needs met with just one carrier, contact a PHLY team member today.