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.
