Phone: 877 977 4474 | Fax: 610 254 1855 | Website: www.gatewayspecialty.com

SOCIAL & HUMAN SERVICES

Running a social service or human service is a brilliant and effective way of bolstering society, but there are many unexpected costs that could hamper those efforts. General liability coverage can alleviate this stress that could cause the social service to be hesitant in attracting a larger customer base. Property coverage can take away the burden and fear of an unexpected financial and operational cost to the social service. Employment practices liability and professional liability coverage can protect the social service from ill-mannered or erroneous actions of volunteers or employees that could cause anxiety towards growing the active work, clientele or a third party. Directors and Officers insurance will allow directors the ability to make decisions in order to grow the business while eliminating the fear that any one decision could cause the organization to shut down or the director to become personally liable.

CARRIERS PAGE APPLICATION

UNITED STATES LIABILITY INSURANCE ................................................ 2 DOWNLOAD

WESTCHESTER ......................................................................................... 5 DOWNLOAD

IRWIN SIEGEL ............................................................................................ 6 DOWNLOAD

CAPSPECIALTY ......................................................................................... 10 DOWNLOAD

ALLIANCE OF NONPROFITS INSURANCE .............................................. 11 DOWNLOAD

NAS ............................................................................................................. 12 DOWNLOAD

JAMES RIVER ............................................................................................ 13 DOWNLOAD

GUIDEONE ................................................................................................. 19 DOWNLOAD

RECENTLY WRITTEN BUSINESS:

1. Community Outreach Organization ($20,494.00)

2. Mentoring Program ($7,121.00)

3. Food Bank ($15,831.00)

4. Family Center ($10,810)

5. Disability Support ($10,679.00)

6. Animal Rescue Center ($6,151.00)

7. Youth Community Center ($1,449.00)

8. Historical Society ($987.00)

CLAIM EXAMPLES: A fire breaks out as a result of cooking in the common kitchen area of a battered women’s shelter which results in extensive smoke and heat damage to both building and contents and forces the shelter’s administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 as a result of property damage and extra expenses. A Registered Nurse administers a pain relieving intravenous drug to an abuse shelter patient. There is an allergic reaction causing the patient to break out into a painful rash. The patient’s family is upset and sues for pain and suffering.

HIT ZONE PRODUCT UNDERWRITING GUIDE

HZ_Nonprofit_SocialServices  10/15

Social Services

Eligible classes include, but are not limited to:

New ventures, multi-occupancies and organizations operating in the capacity of a nonprofit are eligible

PRODUCT ADVANTAGESu General liability, social services professional liability and abuse and molestation liability

Separate limits of liability applied for each Special events coverage included at no additional cost Hired and non-owned automobile liability available in most states No liability deductible and employee and volunteer coverage included Contingent professional liability coverage for specific medical professionals Employee defense reimbursement available for abuse and molestation allegations Defense costs for state disciplinary proceedings available up to $100,000 Bodily injury definition expanded to include mental anguish or emotional distress

u Property Special Cause of Loss form available Value plus endorsement – 14 valuable coverage enhancements including $25,000 limits for valuable papers,

accounts receivable, electronic data and personal effects; $15,000 property off premises; and more Equipment breakdown available for electrical, mechanical and pressure equipment (includes free boiler

inspection if required) Electronic data and computer interruption coverage available

Community Counseling, support and referral ResidentialAnimal shelter/rescue Abused adult counseling Abused adult shelter

Botanical garden Anxiety and stress management Group home

Caregivers/Companion (non-medical) At-risk youth counseling Halfway housing

Community and religious outreach Career and budget counseling Homeless shelter

Community center Employment services Hospice

Conservation group Gay/Lesbian services Transitional housing

Food bank/Soup kitchen Government assistance services

Health care clinic Parenting education YouthHistorical society Pregnancy help center After school tutoring

Horticultural society Psychologist services Big Brother/Big Sister

Rescue missions Referral agency Learning disorder services

Senior activity center (non-medical) Sleep disorder counseling Reading program

Thrift store Speech therapist Youth mentoring and recreation

Vocational/Sheltered workshop Spiritual counseling

Substance abuse recovery (non-medical)

Support group

HZ_Nonprofit_SocialServices  10/15

This document does not amend, extend or alter the coverage afforded by the policy. For a complete understanding of any insurance you purchase, you must first read your policy, declaration page and any endorsements and discuss them with your agent. A sample policy is available from your agent. Your actual policy conditions may be amended by endorsement or affected by state laws.

CONTACT YOUR UNDERWRITER FOR MORE INFORMATION AT 888-523-5545 OR VISIT USLI.COM.

u Directors and officers/Employment practices liability Lifetime occurrence reporting provision – Unlimited

reporting extension for former directorsand officers

Data & Security+ endorsement – Provides $50,000each for data breach, identity theft, workplaceviolence and kidnap expense

Full prior acts coverage and breach of contractcoverage

Fair Labor Standards Act (FLSA/wage and hour) –$100,000 for defense cost and loss (available inmost states)

Unlimited defense outside the limits on Broad Form Softened hammer clause of 75/25 in favor of the

insured Final adjudication wording Third-party discrimination and optional fiduciary

coverage Optional Standard Form – A competitively priced

alternative to our Broad Form option

PACKAGE LINES OF COVERAGE AND AVAILABLE LIMITS u Property

Up to $3,000,000 in non-coastal zones (protection class 1–8) Up to $250,000 in non-coastal zones (protection class 9–10) $500,000 in coastal zones (wind and hail restrictions apply)

u General liability and social services professional liability and abuse and molestation liability Up to $1,000,000/$3,000,000 Hired and non-owned auto up to $1,000,000 (available in most states) Employee benefits liability up to $1,000,000/$2,000,000

u Crime coverage Up to $100,000 in employee dishonesty coverage Up to $10,000 in money and securities and robbery and burglary

u Inland marine coverage: Scheduled limits and blanket coverage available up to $500,000 ($25,000 maximum value perscheduled item)

u Directors and officers liability/Employment practices liability up to $5,000,000 separate limits of liabilityu Umbrella

Up to $5,000,000 limits Available to include all primary liability coverages written through USLI Available over general liability, auto liability and employers liability of approved carriers

BUSINESS RESOURCE CENTERProvides centralized access to business solution vendors for all policyholders. Solutions include:u Human resources servicesu Pre-employment and tenant screeningsu Identity theft protectionu Marketing resources

Non Profit Resource Center also available at www.usli.com/brc.

MOST COMMON INELIGIBLE RISK CHARACTERISTICSu Providing services to youth without requiring background checks on employees and volunteersu Services primarily catering to those requiring elevated physical or mental health attentionu Residential services or overnight living for the elderly or youth unaccompanied by a parent/guardianu Housing/Shelter services lasting more than two years or for those recently released from prison

COVERAGE FEATURESOUR

GROUPCOMPETITORS’

POLICY

Separate limits of liability available for General Liability, Social ServiceProfessional, Abuse & Molestation and D&O/EPLI P ?

Hired and Non Owned available in most states P ?

General Liability can include coverage for Special Events P ?

Employees and Volunteers included as additional insureds P ?

First Dollar coverage (No deductibles!) for all Liability coverages P ?

Contingent Professional Liability for specific medical professionals P ?

Special Cause of Loss and Replacement coverage on buildings, contents, loss ofincome and extra expense P ?

Optional Equipment Breakdown coverage – includes free boiler inspection ifrequired in your jurisdiction P ?

D&O / EPLI coverage with Unlimited Defense Cost outside the limit and Full PriorActs Coverage P ?

D&O coverage includes a Lifetime Occurrence Reporting Provision for formerDirectors & Officers P ?

THIS PACKAGE PRODUCT IS DESIGNED TO INSURE SOCIAL SERVICES EXPOSURES WHICH INCLUDE BUT ARE NOT LIMITED TO;ANIMAL SHELTER / RESCUE GROUPS, BIG BROTHER/BIG SISTER, BOTANICAL GARDENS, CAREGIVERS (NON-MEDICAL),COUNSELING & REFERRAL, FOOD BANKS / SOUP KITCHENS, GROUP HOMES FOR THE MILDLY HANDICAPPED, RESIDENTIAL

SHELTERS, SENIOR COMMUNITY CENTERS, SHELTERED VOCATIONAL WORKSHOPS, THRIFT STORES AND YOUTH COMMUNITY

CENTERS.WHY DO YOU NEED TO PURCHASE A NON PROFIT SOCIAL SERVICES PACKAGE PRODUCT? u Slips & Falls that occur on your premises.u Negligent care of an individual under your care, custody and controlu Coverage for theft of your personal property by employees.u Board of Directors can be sued for mismanagement of fundsu Non-Owned auto exposure from employee / volunteers while performing services on behalf of the organization.

Our ALL-IN-ONE product will include the following coverages; General Liability, Professional Liability, Property, Crime, Special Events,Abuse & Molestation, Hired-Non Owned Auto and Directors & Officers (D&O) / Employment Practices Liability (EPLI).

Social Services Product – Non Profit Package

This document does not amend, extend or alter the coverage afforded by the Policy. For a complete understanding of any insurance you purchase, you must first read your Policy,Declaration Page and any Endorsements and discuss them with your Broker. A specimen policy is available from an Agent of the Company. Your actual Policy Conditions may beamended by Endorsement or affected by State Laws.

SOC POS 1/10

Westchester Binding offers a Social Services Package Policy.Obtain a quote under the following classifications:

Additional Coverage Options• Social Services Professional Liability:

− Up to $1M in limits• Abuse & Molestation Liability:

− Up to $1M/$2M in limits• Employment Practices Liability Insurance

− Up to $100,000 in limits

Key Features• Business owners package coverage form that

automatically includes over 15 unique coverageenhancements

• Up to $5M in total property values• Business income coverage offered on an Actual Loss

Sustained basis up to $250,000• Up to $1M/$2M in General Liability limits

Westchester Binding

COMMERCIAL SPECIALTY –SOCIAL SERVICES

Insurance provided by Westchester Fire Insurance Company and its U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at new.chubb.com. All products may not be available in all states and surplus lines products can only be offered through licensed surplus lines producers. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued.

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Description Class Code Rating Basis

Counseling Services – Not-for-Profit 65171 Area

Food Bank or Soup Kitchen – Not-for-Profit

9261 Area

Health Care Clinic – Not-for-Profit - Premises Liability

63981 Area

Historical Societies – Not-for-Profit 65171 Area

Horticultural Societies – Not-for-Profit 65171 Area

Shelters/Transitional Housing/Mission – Not-for-Profit

65132 Area

Thrift Store - Clothing – Not-for-Profit 56325 Area

Vocational Workshops – Not-for-Profit 65171 Per-student

Youth Community Program – Not-for-Profit

65171 Per-student

3 www.siegelagency.com

“Experience and knowledge of the

field is vital tobeing successful

in this niche.”-Howard Siegel, CEO

We are a Program Administrator dedicated to providing innovative insurance products and risk management tools to protect and empower every organization we serve. Our programs are available exclusively through independent agents and brokers and are backed by service, stability, and standards. Competitive coverage options give agents and insureds the flexibility and support they need to grow.

Service`` Dedicated staff assists with all aspects of the policy`` 24-hour response to e-mails/phone calls`` 24-hour claims acknowledgment`` Access underwriters directly during business hours—no voicemail

Stability`` Human & Social Service focus for over 40 years`` Underwriters average 15+ years of experience`` Long term relationships with trusted claims attorneys`` A.M. Best A++ rated carriers

Standards`` Exceptional 7-day turnaround for most policies`` Average 8-day turnaround on endorsements`` Direct Bill, Agency Bill, and Premium Financing options available

The Siegel DifferenceTM

Experience The Siegel DifferenceTM

4BROKER WELCOME KIT

Areas Targeted

ADDICTION TREATMENTAddiction Treatment ServicesAlcoholism & Drug Addiction Self-HelpAlcoholism Counseling - OutpatientAlcoholism Treatment - ResidentialCrisis Intervention - HotlinesDetoxification CentersHalfway Houses, Substance Abuse

BEHAVIORAL HEALTHCARECounseling - Outpatient & ResidentialCrisis Intervention, HotlinesEating Disorder Counseling ServicesEmergency Shelters for the Mentally IllHomes for the Emotionally Disturbed Marriage Counseling ServicesMental Health Centers & Clinics* Mental Health Facilities, ResidentialMental Health Halfway HousesPsychiatric Centers & Clinics*Psychiatric Rehabilitation ServicesReferral Services for Personal/Social ProblemsSupport Group Services

*except hospitals

DEVELOPMENTAL DISABILITIESActivity Centers for Disabled PersonsAdult Day Care CentersArcsCerebral Palsy AssociationsCompanion Services for Disabled PersonsDay ProgramsDevelopmental Disability Service ProvidersDisability Support GroupsEarly InterventionJob Placement & Job CoachingMedical Clinics and FQHCsResidential Care Facilities (ICF, IRA, Supported Living)Vocational Training Centers

Our agency and programs are built on a legacy of service, stability, and standards.

5 www.siegelagency.com

HUMAN SERVICE TRANSPORTATIONHandicapped PassengerNon-Emergency MedicalNon-Profit RuralParatransit Program ProvidersSenior CitizensSpecial Needs

SENIOR CAREAdult Day Care*Council on AgingSenior Citizen Centers

SOCIAL SERVICEBattered Women’s SheltersCommunity Action AgenciesCommunity CentersDomestic Violence AgenciesEmergency & Temporary SheltersFamily Social Service AgenciesHomeless Shelters with Support ServicesHomes for Destitute Men & WomenIndividual & Family Social ServicesJob Counseling & Training CentersMulti-Service CentersOutreach ProgramsResidential Services for Individuals w/AIDSService LeaguesSettlement HousesVocational Rehabilitation & Training

YOUTH SERVICESAdoption AgenciesAid to Families with Dependent ChildrenAlternatives to IncarcerationAt-Risk Youth Residential FacilitiesBig Brothers Big SistersBoys & Girls Clubs of AmericaBoys & Girls Residential FacilitiesCASAChild Care CentersChild Guidance AgenciesChildren’s Homes / Villages

Foster Care Agencies (<15 placements)

Foster Care Placement Services (<15 placements)

Head Start ProgramsRunaway Youth SheltersSelf-Help Organizations, YouthTeen Outreach ServicesTroubled YouthYouth Centers (except recreational only)

Areas Targeted

9 www.siegelagency.com

Comprehensive Package Coverage

ISA has been a leading provider of package insurance programs to the Human Service field for over 40 years. We offer exceptional service and competitive products that serve the unique needs of each organization.

PROPERTY

`` Emergency Vacating Expense`` Room Reserve`` Replacement Cost, Agreed Amount, & Blanket Limit

CRIME `` Clients Property for janitorial contacts`` Exposure for in-home service providers

COMMERCIAL AUTO`` Employees as Insured`` Hired Car Physical Damage`` Auto Loan / Lease Gap *where available

`` Drive Other Car—Executive Officers

GENERAL LIABILITY`` Aggregate per Location`` Crisis Response Available`` Fund Raising Events including Liquor Liability`` Separate, Dedicated Abuse Limits`` HIPAA *where available

PROFESSIONAL LIABILITY`` Psychiatrist, psychologist coverage`` Independent Contractors (excluding MDs)`` Vicarious Liability of Doctors`` Primary Care Clinics Covered *if eligible

UMBRELLA `` Up to $25M limits`` Broad coverage over GL, PL, Abuse & Auto*

ANCILLARY PRODUCTS`` Accident Medical for Participants & Volunteers`` Cyber Liability / Network Security Coverage`` Directors & Officers Liability`` Employment Practices Liability`` Environmental Commercial Pollution Coverage`` HIPAA Protection`` Special Events Coverage`` Volunteer Accident Coverage`` Youth Accident Protector

Our experienced and dedicated staff assists with all aspects of the policy; from claims, to billing to coverage.

Billing / Financing InformationDirect Bill, Agency Bill, and Premium Financing with convenient payment options are available.

Claims AbilityWe have long-term relationships with claims adjusters and attorneys who specialize in claims related to the Social Services field.

Automatic RenewalsRenewals are automatically sent on policies $25k and under, if eligible.

Beyond Coverage More Reasons to Partner With Us

*Coverage may be structured differently depending on program

CapSpecialtySM offers specialty products to fulfill the needs of a wide variety of Human Services organizations by delivering a comprehensive package approach or having

unpackaged options as well depending on their individual coverage needs.

We provide an experienced team of risk management and claims professionals that deliver a high level of service. Our limited distribution with healthcare-focused

wholesalers along with experienced underwriting talent will support our approach to create a “Community of Insurance Specialists”.

RATED BY A.M. BEST

A“EXCELLENT”

CapSpecialty℠ is the branding name for the Property, Casualty and Specialty operations of CapSpecialty, Inc. and its subsidiaries. ©2014 CapSpecialty℠. All Rights Reserved.

HSHuman Services

TARGETED CLASSES

POLICY HIGHLIGHTS

F A S T F A C T S

Substance Abuse• Outpatient Services• Residential Facilities• Sober Living Homes• Detox

Developmentally Disabled• Group Homes• Vocational Programs• Intermediate Care Facilities• Day Treatment Programs• Independent Living Services

Mental Health• Outpatient Services • Residential Facilities• Group Homes• Independent Living Services

Youth Services• Counseling Services• Headstart, Youth Centers• Residential Facilities Including Group Homes and Shelters• Foster Care/Adoption

Social/Community Services• Advocacy, Education, Outreach• Shelters (Homeless, Domestic Violence)• Services for Disadvantaged Population

• PL, GL, Abuse, Property, Auto, Inland Marine, Crime and Umbrella/Excess Options (Up to $11M)• Cyber Liability (HIPPA) Coverage Available • Coverage Available for Psychiatrists, Psychologist and Other MDs and Mid-Levels• Claims Made or Occurrence on all Coverage Parts• Defense Outside Limits

• Industry leading broadening forms for Property, Auto and GL• Broad Definition of Who is an Insured

Service Expectations• Quick Quote Turn Around with Experienced Underwriters• Claims Handled Professionally and Personalized • Easy Access to Risk Management for Brokers and Customers

CapSpecialty.com/PL

Product Highlights are summaries of key features only. Actual policy language is controlling.

Social Service Professional

www.insurancefornonprofits.org A Head for Insurance. A Heart for Nonprofits. (800) 359-6422

Highlighted Features of our Nonprofits’ OWN Social Service Professional Coverage(All included at no additional charge, unless noted)

P R O D U C T H I G H L I G H T S

• No Deductible

• Separate Limits from the General Liability

• Occurrence Limit $1 million: Aggregate Limits to $3 million

and Umbrella Limits to $10 million available

• Occurrence Form, not Claims-Made

• Prior Acts Coverage available for additional charge

• Reimbursement of Wages for an employee suspended from

work with pay during an investigation. Limit $10,000

• Broad definition of insured includes the nonprofit itself as well

as medical services providers for counseling, evaluation and

nursing services if a volunteer or employee. Also includes all

other employees and volunteers, as well as interns and students-

in-training

• Nonprofit member (other than medical service providers)

covered for alleged improper oversight or supervision of medi-

cal professionals (see policy conditions applying to medical

service providers).

• Broad coverage applies to nonprofits professionals including

(but not limited to):

Medicine Dosage Error:A nonprofit provided home health care to the elderly. One of its nurses misunderstood a client’s medication orders and gave him an improp-

er dosage of medicine that caused his death. The ensuing litigation was protracted because the prescribing physician was also a defendant,

along with the nonprofit and its nurse. Eventually we were able to settle the nonprofit’s and nurse’s exposures for $100,000, although it took

almost $46,000 of defense legal costs to get that result.

Battery by Teacher:One of the students in a nonprofit’s school for disabled and difficult students began acting out and needed to be physically restrained. It was

subsequently learned that the teacher had not correctly followed take-down procedures, but injuries were minor. The parents retained an

attorney and we were able to resolve the claim for a very modest $12,000 to be placed into a college trust fund. No litigation expenses were

necessary.

Foster Child Death:A four-month old foster child, placed in a home certified by a nonprofit, died in her sleep. The natural mother, a recovering drug addict,

brought a lawsuit against the foster parents and the nonprofit. Following the plaintiff’s deposition, during which no breach of duty could be

identified, we asked for and received a voluntary dismissal of the nonprofit. No loss was paid. Legal costs totaled $18,000.

CLAIMS FILES Line of Business: Social Service Professional LiabilityFrom the

Acupuncturists

Adoption service employees

Aides

Assisted living providers

Childcare workers

Chiropractors

Counselors

Daycare providers

Educational professionals

Home Health Aides

Instructors

Mentors

Nurses

Nurse assistants

Nutritionists

Opticians

Phlebotomists

Psychotherapists

Psychologists

Resident home care providers

and supervisors

Social Workers

Therapists

Tutors

Veterinary professionals

Social Services

Product Highlights

Standalone Professional$6,000,000 each claim/$6,000,000 aggregate

Combo – Professional and GL$6,000,000 Professional Liability Limit$6,000,000 GL limit$6,000,000 products/ completed operations limit$6,000,000 personal and advertising injury limit$5,000 medical expense limit$50,000 fire legal liability limit$8,000,000 aggregate all coverages

Follow form Excess Liability – GL and Professional$5,000,0000 each claim$5,000,000 aggregate

Minimum Premium: $1,500

Minimum Deductible: $0

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)

Legal Expense/Media reimbursement

Reputational Harm Coverage

Disciplinary Proceedings Coverage

Extended reporting period is available

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.

Liability InsuranceA.M. Best “A” Rated

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

Ineligible Classes: Foster care exposures

Adoption agencies

Juvenile detention centers

Eligible Classes:

• Inpatient Mental Health &Substance Abuse/Rehabilitation Facilities

• Transitional Living Facilities(Homeless Shelters,Halfway Houses, etc.)

• Group Homes for theDevelopmentally Disabled

• Methadone Clinics

• Adult Day Care & Sheltered Workshops

• Meals on Wheels

Ineligible Territories: Alaska

• Outpatient Mental HealthCounseling (Family,Behavioral, SubstanceAbuse, etc.)

• Psychiatrists

• Employee AssistancePrograms

• Referral Agencies

• Respite Care

• Crisis Hotlines

• Day Schools for theDevelopmentally Disabled

June 2018

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AVAILABLE COVERAGES: General Liability and Professional Liability - Claims Made/Reported or Occurrence Deductible & SIR structures available Physical / Sexual Abuse Liability Primary Limits up to $1 million / $3 million $5 million Excess Liability over multiple underlying coverages, Supported & Unsupported Options for Defense outside the Limit of Liability, no punitive damages exclusion and

Incident Sensitive trigger Expense Reimbursement Coverage Extensions for Evacuation, HIPAA and Legal/Media

Expenses Employee Benefits Liability Non-Owned Auto Coverage for Medical Directors and Employed Physicians Available Small, Medium and Large sized risks, Average Premium $25,000 Policy Deductibles - standard $2,500; multiple options available including $0 Deductible

MINIMUM PREMIUM: Starting at $2,500 for eligible classes

INELIGIBLE CLASSES: Prohibited Risks: General Hospitals, Boot Camps Prohibited Geography: No nursing homes in AZ, NV, PA, FL, IL.

No ALF in AZ, NV; No classes in WV; No Residential Risks in KS

ALLIED HEALTHCARE TARGET CLASSES:

Adoption and Foster Placement Agencies Adult, Respite and Special Needs Day Care Ambulance (ground and air) and Non Emergency Transport Ambulatory Surgical Centers Allied Healthcare and Social Service Organizations Home Medical Equipment Suppliers and Fitters Home Health Care and In Home Support Services Medical Imaging Centers Medical Staffing and Nurse Registries Mental Health Organizations including:

Alcohol and Substance Abuse Rehab and Methadone clinics Counseling Psychiatric Hospitals

Pharmacies Residential Risks including:

Group Homes, Half Way houses, Hospice, Shelters, Youth programs Long Term Care Facilities, Assisted Living and Independent Living Facilities

Specialized Medical Facilities (Medical Labs, Medical Clinics, Rehab Facilities) Weight Loss Clinics

P.O. Box 27648, Richmond, VA 23261

JAMES RIVER INSURANCE COMPANY – AUGUST 2018

Description Location Limits Premium Terms and Conditions – Claims Made Defense Inside – unless noted.

Adoption Agency TX $1M / $2M $5,500 $2,500 Deductible, GL Including PL Ambulatory Surgery Center CA $1M / $3M $4,900 $0 Deductible, Separate GL & PL

Assisted Living Facility – Memory Care MO $2M / $2M $5,500 Excess

Assisted Living Facility FL $1M / $3M $120,700 $5,000 Deductible, Separate GL & PL

Child Day Care MS $1M / $3M $7,500 $2,500 Deductible, GL Including PL

Compounding Pharmacy IA $1M / $3M $5,000 $1,000 Deductible, GL Including PL

Foster Placement and Adoption Agency OH $1M / $3M $5,000 $5,000 Deductible, PL Only

Home Health Care FL $1M / $2M $5,800 $5,000 Deductible, GL Including PL

Medical Imaging FL $1M / $3M $21,500 $2,500 Deductible, Separate GL & PL

Medi-Spa CA $1M / $3M $8,500 $0 Deductible, PL Only

Mobile Medical Services – Geriatrics AZ $1M / $3M $22,800 $5,000 Deductible, PL Only

Nanny Placement CA $2M / $2M $7,100 Excess

Non-Emergency Medical Transport NC $1M / $3M $4,200 $2,500 Deductible, Separate GL & PL

Orthotics and Prosthetics Fitters FL $1M / $2M $4,400 $2,500 Deductible, GL Including PL

Outpatient Hospice GA $3M / $3M $17,300 Excess

Outpatient Mental Health Counseling FL $1M / $3M $13,600 $5,000 Deductible, Separate GL & PL

Outpatient - Drug Rehab Clinic MD $1M / $3M $5,000 $2,500 Deductible, Separate GL & PL

Perfusionist FL $1M / $5M $3,500 $2,500 Deductible, Separate GL & PL

Senior Apartments FL $1M / $2M $18,900 $2,500 Deductible, GL Including PL

Skilled Nursing Facility CA $1M / $3M $199,700 $10,000 Deductible, Separate GL & PL

Allied Healthcare Division

Recent Success Stories

June 2018

,

AVAILABLE COVERAGES: General Liability and Professional Liability Non-Owned Auto Defense Inside or Outside Aggregate limit options Medical Directors covered for administrative acts Primary Limits up to $1 million / $3 million $5 million Excess Liability over multiple underlying coverages, Supported & Unsupported Expense Reimbursement Coverage Extensions for Evacuation, HIPAA and Legal/Media

Expenses

TARGET RISK SIZE: Average Premium $25,000 Policy Deductibles - standard $2,500; multiple options available including $0 Deductible

MINIMUM PREMIUM: $3,500

OTHER COVERAGE OPTIONS: Coverage for employed physicians and CRNAs

INELIGIBLE RISKS: Any overnight patient stays Birthing Centers Spinal or Neuro-surgery Cardiac surgery (not including cardiac catheterization) Centers in Wisconsin or West Virginia

TARGET CLASSES: LASIK Endoscopy Centers Orthopedic Cosmetic New Operations Multi-Specialty Facilities

P.O. Box 27648, Richmond, VA 23261

FOCUS: Ambulatory Surgery Centers (ASCs) are free-standing facilities, independent of hospitals, where licensed surgeons perform outpatient surgical procedures. No overnight stay is permitted. Our focus is on physician or independently-owned ASCs. Our underwriting appetite spans a broad array of hazard categories including many higher hazard classes.

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ELIGIBILITY: 20 Beds Max per Location / 40 Beds Max per Account, Up to 3 Locations $3 Million in receipts or less

REQUIRED DOCUMENTATION: Complete Carrier Application License (if applicable) Recently Valued Company Loss Runs or No Known Loss Letter State Inspection and Resident Agreement for Residential Facilities

AVAILABLE COVERAGES: Claims Made and Occurrence Form options Limits $1,000,000 Occurrence / $3,000,000 Aggregate (lower/higher limits available) Prior Acts Punitive Damages Defense Outside Abuse Sublimit Included Blanket Additional Insured Non-Owned Auto Policy Deductibles - standard $2,500; multiple options available including $0

Deductible

MINIMUM PREMIUM: Starting at $2,500 (ALF/Group Homes $1,750)

Allied Healthcare Express FOCUS: Small residential and non-residential facilities. New and renewal business can be submitted through www.jamesriverins.com or sent via AH@jamesriverins.com.

TARGET CLASSES: Small Care Homes including ALF, ILF, Sober Living Facilities, Halfway Houses,

Shelters, Adult or Youth Residential Facilities (Mentally/Physically Disabled, Mentally ill), Board and Care Homes and more.

Home Healthcare and Medical Staffing Home Medical Equipment Dealers / Fitters Nanny Services Counseling Services Adult Day Care Emergency / Non-Emergency Transport Other Classes may be acceptable subject to Underwriting Review

P.O. Box 27648, Richmond, VA 23261

JAMES RIVER INSURANCE COMPANY – AUGUST 2018

Description Location Limits Premium Terms and Conditions – Claims Made Defense Inside – unless noted.

Adult Day Care WI $1M / $3M $2,500 $2,500 Deductible, GL Including PL

Assisted Living Facility CA $1M / $3M $1,800 $2,500 Deductible, GL Including PL

Assisted Living Facility – Memory Care MO $1M / $3M $2,800 $0 Deductible, Separate GL & PL, Defense Outside

Assisted Living Facility AL $1M / $3M $2,500 $2,500 Deductible, GL Including PL

Assisted Living Facility ID $1M / $2M $2,400 $2,500 Deductible, GL Including PL

Child Day Care WA $1M / $3M $2,700 $2,500 Deductible, GL Including PL

Durable Medical Equipment NJ $1M / $2M $3,000 $2,500 Deductible, GL Including PL

Durable Medical Equipment UT $1M / $3M $3,500 $1,000 Deductible, Separate GL & PL

Group Home for Autistic Children CA $1M / $3M $2,500 $2,500 Deductible, GL Including PL

Group Home for Youth OR $1M / $3M $2,500 $2,500 Deductible, GL Including PL

Group Home AL $1M / $3M $2,500 $2,500 Deductible, GL Including PL

Group Home-Developmentally Disabled MN $1M / $3M $2,500 $2,500 Deductible, GL Including PL

Half-Way House for Women CA $1M / $3M $2,500 $2,500 Deductible, GL Including PL

Home Health Care CA $1M / $3M $2,500 $2,500 Deductible, GL Including PL

Home Health Care VA $1M / $3M $3,000 $2,500 Deductible, GL Including PL

Nanny Placement MD $1M / $2M $3,300 $1,000 Deductible, Separate GL & PL

Non-Emergency Medical Transport OR $1M / $3M $3,000 $2,500 Deductible, GL Including PL, Occurrence

Senior Independent Living GA $1M / $3M $3,100 $2,500 Deductible, GL Including PL

Allied Healthcare Express Division

Recent Success Stories

March 2017

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ELIGIBILITY: 20 Beds Max per Location / 40 Beds Max per Account, Up to 3 Locations Facilities where Residential Care Services are the primary operation

REQUIRED DOCUMENTATION: License and State Inspection (will consider unlicensed facilities on limited basis) Complete Carrier Application Recently Valued Company Loss Runs or No Known Loss Letter Resident Agreement

AVAILABLE COVERAGES: General Liability/Professional Liability-Claims Made/Reported or Occurrence Triggers Limits $1,000,000 Occurrence / $3,000,000 Aggregate (lower/higher limits available) Prior Acts Abuse Sub-limit Included Policy Deductibles - standard $2,500; multiple options available including $0

Deductible Funding Source as Additional Insured Coverage for Administrative Duties of Medical Director Expense Reimbursement Coverage Extensions for Evacuation, HIPAA and

Legal/Media Expenses

MINIMUM PREMIUM: Starting at $2,500 (ALF/Group Homes $1,750)

Small Care Homes FOCUS: Concentration on small residential facilities. ALL new and renewal business must be

submitted through www.jamesriverins.com or AH@jamesriverins.com. This streamlined submission process will assist in quick turnaround and ease of handling.

TARGET CLASSES: Assisted Living & Independent Living for Elderly (including Dementia/Alzheimer’s) Adult or Youth Residential Facilities (Mentally/Physically Disabled, Mentally ill) Adaptive or Transitional Living Apartments – Physically Handicapped,

Developmentally Disabled At Risk or Troubled Youth Facilities Halfway Houses and Shelters Board and Care Homes Sober Living Facilities Intermediate Care Facilities (ICF-DD or ICF-Nursing) Available in all states except AZ, KS, NV and WV

P.O. Box 27648, Richmond, VA 23261

June 2018

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AVAILABLE COVERAGES: General Liability and Professional Liability - Claims Made/Reported or Occurrence triggers Defense Inside or Outside limit options Medical Directors covered for administrative acts Physical / Sexual Abuse Liability Primary Limits up to $1 million / $3 million $5 million Excess Liability over multiple underlying coverages, Supported & Unsupported Expense Reimbursement Coverage Extensions for Evacuation, HIPAA and Legal/Media

Expenses Excess Property available through our Excess Property Division - up to $30 million

TARGET RISK SIZE: Small, Medium and Large sized risks, including multi location facilities Average Premium $25,000 Policy Deductibles - standard $2,500; multiple options available including $0 Deductible

MINIMUM PREMIUM: Starting at $2,500; Nursing Homes $15,000, ALF/Group Homes $1,750

OTHER COVERAGE OPTIONS: Medical Directors providing direct care Coverage for employed psychiatrists or other healthcare providers

INELIGIBLE CLASSES: Assisted Living facilities in AZ, NV, WV “Boot camps” or extensive wilderness programs Criminal justice operations or correction centers Nursing Homes in AZ, NV, PA, WV, FL, IL; Residential risks in KS

RESIDENTIAL CARE (Allied Healthcare Div.) TARGET CLASSES:

Elderly - Assisted Living, Board and Care Homes, Adult Foster Care, IndependentLiving facilities

Nursing Homes and Continuing Care Retirement Communities including Sub-acutecare and Long-term acute care (LTAC’s), and Hospice

Foster Care group homes, respite and youth programs for behavioral issues Group Homes for youth or adults with mental, developmental or physical disabilities Half Way houses, Transitional or Independent Living facilities, Shelters Psychiatric and Substance Abuse Facilities including medical detox, crisis stabilization

units, partial hospitalization programs, supportive living, eating disorders Trauma Rehabilitation Centers for medical and habilitation care

P.O. Box 27648, Richmond, VA 23261

NONPROFIT & HUMAN SERVICES INSURANCE SOLUTIONSGuideOne is a trusted leader in protecting faith-based and nonprofit organizations.

For decades, we have proudly insured organizations that are the heart of your

community: churches, schools, senior living communities, and nonprofit organizations.

With our Nonprofit and Human Services insurance offerings expanding, we wanted to

share a comprehensive list of organization types that are within our appetite.

Arboreta Dance Groups

Associations & Societies Historical Organizations

Aquariums Historical Societies & Preservation

Arts Education & Schools Humanities

Ballet Music Centers

Bands & Ensembles Opera

Botanic Gardens & Horticulture Svcs Performing Arts Centers & Schools

Commemorative Events Singing & Choral Groups

Community Arts Centers & Celebrations Symphony Orchestras

Cultural & Ethnic Awareness Theaters

Associations for Retarded Citizens (ARCs) Membership Organizations

Business Leagues Neighborhood Organizations

Business & Citizenship Programs Neighborhood Improvement Coalitions

Chambers of Commerce Pregnancy Centers

Children & Youth Services Preservation Organizations

Civic Organizations Professional Societies & Organizations

Community & Neighborhood

Development

Refugee Assistance Organizations

Clubs, Associations & Community Services (cont.)Community Action Centers Senior Centers

Community Centers Senior Citizens Organizations

Community Coalitions & Advocacy Service Clubs for Men and Women

Community Service Clubs Service Leagues

Crisis Centers Social Clubs

Community Arts Centers & Celebrations Symphony Orchestras

Emergency Assistance Support Groups

Employee Training Programs Temporary Relief

Ethnic & Immigrant Centers & Services Thrift Stores

Family Services Trade Associations

Fraternal Organizations Urban League

Garden Clubs Vetererans & Military Organizations

Goodwill Organizations Victims Services

Health & Safety Councils Volunteers of America

Hearing & Visually Impaired Centers Women’s Centers

Human Service Organizations Women’s Crisis Centers

Arts, Culture & Humanities

Clubs, Associations & Community Services Adult Day Care Junior League

CM 18177 (05/18)

©2018 GuideOne Insurance. GuideOne® is the registered trademark of the GuideOne Mutual Insurance Company. All rights reserved.

Counseling & Treatment ServicesAddiction Counseling - Alcohol, Drug,

Smoking, Self-Help, etc.

Grief Counseling

Addiction Treatment Centers - Alcohol,

Drug, etc. (Post Detox)

Hearing & Visually Impaired Services

Adult & Child Abuse Counseling &

Treatment

Marriage Counseling

Behavioral Treatment Mental Health Counseling & Services

Career & Vocational Counseling Pastoral Counseling

Child & Family Services Rape Counseling

Counseling Programs Rehabilitation for Mentally Retarded and

Developmentally Disabled

Disability Day Centers & Services Single Parent Help

Divorce Counseling Stress & Anxiety Counseling/Management

Family Counseling Youth Counseling

EducationAdult Education Language Schools

Alumni Associations Latch Key

Art Schools Leadership Development

Bible Schools Learning Centers & Organizations

Charter Schools Libraries (Public and Private)

Clerical Schools Montessori Schools

College Preparatory Schools Music Schools

Community Colleges Nursery Schools

Computer Training Parent & Teacher Groups

Correspondence Pre-Schools

Culinary Schools Private Schools (Religious & Non-Religious)

Dance Schools Remedial Reading Programs

Daycares Secondary Schools (Private)

Divinity Schools Schools for Mentally Retarded and

Developmentally Disabled

Drama Schools Schools for Hearing & Visually Impaired

Early Childhood Seminaries

Education Research Programs Skill Training Centers

Elementary Schools (Private) Special Education Institutions

Film Schools Student Services & Organizations

Fine Arts Schools Scholarship/Financial Aid Fundraising

Finishing Schools Technical Institutions & Trade Schools

Head Start Centers Test Preparation & Tutoring

Junior Colleges Vocational Schools

Kindergarten

Employment-RelatedEmployment Preparation & Procurement Job Training & Assistance

Vocational Counseling

Environmental Protection & BeautificationLand & Natural Resources Conservation Watersheds, Water Resources

Environmental Education Wetlands Conservation

Forest Conservation

Food & NutritionFood & Nutrition Programs Soup Kitchens

Food Banks & Pantries Meals on Wheels

Congregate Meals

FoundationsCharitable Organizations Private Foundations

Community Foundations Public Foundations

Grant-Making Foundations Religious Organizations

Fundraising Organizations United Way

Religious-RelatedConvents Monasteries

Missions & Ministries Retreat Facilities

ShelterEmergency Shelters Housing Support

Group Homes Rescue Missions

Homeless Shelters Respite Homes & Care

Homes for Children & Adolescents Safehouses & Abused Victims Refuge

Homes for the Developmentally Disabled Supportive Housing

Housing Search Assistance Temporary & Transitional Housing

Sports, Recreation & YouthBoys & Girls Clubs Recreational Centers

Boy & Girl Scouts Swim Clubs

Camp Fire USA Tennis & Racquetball Clubs

Camps YMCAs YWCAs, YMHAs, & YWHAs

Community Centers Yoga Studios

Dance & Pilates Studios Youth Centers & Community Service Clubs

Fitness Centers Youth Development Programs

Health & Athletic Clubs Martial Arts Studios

Risks Currently Ineligible

Adoption or Foster Services/PlacementHalfway Houses, Lock-Down Facilities, or

Homes for Violent or Sexual Offenders

Buildings or Locations 50% Vacant or

UnoccupiedInternational Operations or Travel

Civil Demonstrations, Protests, or Rallies Labor Unions, Political Lobbying, or PACs

Commercial Housing Subject to HUD

InspectionMedical Clinics or Medical Services

Commercial Lending, Insurance or

Financial MgmtMental Health Clinics or Services

Construction or Property Repair Operations with Armed Security

Dental Clinics or Services Transporting Individuals or Property for

a Fee