Human Services Department. GatewaySpecialty.com

Transcription

1 Human Services Department

2 The Strength of our Carrier: CapSpecialty CapSpecialty is a leading provider of specialty insurance for small to midsized businesses in the U.S., offering Commercial Property and Casualty, Professional Liability, Surety and Fidelity products in all 50 states. By working with select partners through a limited distribution model, CapSpecialty s creative, hard-working team provides personalized service and cultivates mutually successful partnerships to deliver positive results. CapSpecialty s carriers have an A ( Excellent ) rating from A.M. Best, writing both admitted and non-admitted policies on the paper of Capitol Indemnity Corporation, Capitol Specialty Insurance Corporation and Platte River Insurance Company subsidiaries of Alleghany Insurance Holdings LLC, part of Alleghany Corporation (NYSE: Y).

3 Human Services

4 Our Appetite Substance Abuse Outpatient Services Residential Facilities Sober Living Homes Detox Mental Health Outpatient Services Residential Facilities Group Homes Independent Living Services Developmentally Disabled Group Homes Vocational Programs Intermediate Care Facilities Day Treatment Programs Independent Living Services Social/Community Services Advocacy, Education, Outreach Shelters (Homeless, Domestic Violence) Services for Disadvantaged Population Youth Services Counseling Services Headstart, Youth Centers Residential Facilities including Group Homes and Shelters Foster Care and Adoption

5 Out of Our Appetite Correctional Care including Juvenile Justice Residential Care for Elderly (Nursing Homes, Assisted Living and/or Independent Living) Any facility which is licensed as a hospital Construction exposures (home building or major home repair), however minor Weatherization is acceptable No operations in these jurisdictions: NYC (includes 5 boroughs), Dade and Broward Counties (FL), Cook County (IL), Washington D.C. and Philadelphia County (PA) Goodwill Industries not considering these risks, but will consider incidental thrift stores with the rest of our appetite 100% camp exposure Abortion Clinics Forensics including Forensic Psychology 100% Telemedicine or 100% Telepsychiatry 100% Para-transit (also, no monoline auto on any risk)

6 Geographic Capabilities

7 Geographic Capabilities for Auto

8 Human Services Coverages

9 Lines of Business Coverage Expansions CapSpecialty Expansion Endorsement (CGE 497): No premium charge COVERAGE LIMITS OF INSURANCE Business Travel Accident Benefit $50,000 Conference Cancellation $25,000 Donation Assurance $50,000 Emergency Real Estate Consulting Fee $50,000 Fundraising Event Blackout $25,000 Identity Theft Expense $50,000 Image Restoration and Counseling $50,000 Key Individual Replacement Expenses $50,000 Kidnap Expense $50,000 Political Unrest Temporary Meeting Space Reimbursement $25,000 Terrorism Travel Reimbursement $50,000 Travel Delay Reimbursement $1,500 Workplace Violence Counseling $50,000 $5,000 per employee $25,000 policy limit

10 Property Human Services Property Enhancement Endorsement (CPR 063): Business Income & EE incl. Civil Authority & Contingent BI $300,000 (per occurrence) Water Coverage $30,000 per occurrence / $60,000 annual aggregate Ordinance or Law $500,000 Money & Securities $10,000 Residential Room Reserve $100,000 Damage to Property of a Home Care Provider $50,000 And more over 40 other enhancements included and premium based off of property premium, subject to $400 minimum premium. Crisis Event Management (CPR 064): Crisis Event Communication Expense Crisis Event Business Income & Extra Expense Post Crisis Event Expense Limits available: $10k, $25k, $50k, $100k No Deductible applies Broad coverage trigger for covered crisis to include: Violent Act Premises Contamination Contaminated Food or Beverage Specified Felonies Other Crisis Incidents Valuation of Donated Stock (CPR 062): Form is added when a thrift store exposure exists so that donated stock is valued at selling price for merchandise that has been priced for sale or salvation value for unpriced goods.

11 General Liability Human Services General Liability Enhancement Endorsement (CGL 461) Broad offering of blanket additional insureds such as: Medical Directors Managers or Supervisors (with fellow employee cov) Broadened Named Insured (controlled subsidiaries) Funding Sources Home Care Providers Managers, Landlords, or Lessors of Premises Lessor of Leased Equipment Grantors of Permits Vendors or Franchisors When required by contract Owners, Lessees or Contractors State or Political Subdivisions General Aggregate Limit per Location Liquor Liability incl for special and fundraising events Damage to Premises Rented to You $1,000,000 Damage to Property Caused by Client Employee Indemnification Defense Coverage $25,000 And more with a total of 30+ enhancements in this form and premium is based off of GL Premium subject to a minimum premium of $250

12 General Liability (cont d) Fundraising Events Endorsement (CGL 462) Added on all policies to clarify that all events are included unless specifically excluded in this form. Can schedule events via Scheduled Special Events Endorsement (CGL 463) for an additional premium charge. Complete Fundraising Events section of supplemental apps if an event needs to be considered for scheduling. Any event which needs a liquor license should be scheduled. Human Services Professional Liability Exclusion (CGL 462) This form is included on all policies since the General Liability and Professional are separate coverage towers. Abuse or Molestation Exclusion (CG 2146) This ISO form is included on all policies since the General Liability and any Sexual or Physical Abuse are separate coverage towers.

13 Human Services Professional Liability Occurrence and Claims-Made policies available Admitted coverage available in most states (see map) and Non-Admitted for all states Separate coverage limits from GL and Abuse Ability to add back coverage for MD, PA, Psychiatrist, Dentist for either shared or separate limits offers a great deal of flexibility and robust capabilities $100,000 included for any Disciplinary Proceeding(s) defense expense $100,000 included for any Accreditation Incident defense expense Ability to carve-out exposures, professionals or locations to allow flexibility for writing accounts (example: a nursing home at another location insured elsewhere) Defense outside the limits First dollar coverage Includes carve-back for auto loading and unloading of anyone receiving your professional services Ability to offer incidental professional liability in cases where there is a minimal PL exposure such as a food bank or advocacy group PL cost is $25 in these cases Includes Consent to Settle condition

14 Human Services Sexual or Physical Abuse or Molestation Liability Occurrence and Claims-Made policies available Admitted coverage available in most states (see map) and Non-Admitted for all states Separate coverage limits from GL and PL Defense outside the limits Special Defense option provided to include limits of civil defense for the accused that are found to be innocent First dollar coverage Minimum premium for this coverage is $250 Variety of limits available including into umbrella Broad language to include as insured: You (entity), Exec officers & directors, Medical Directors, Board Members, Administrators, Employees, Volunteers, Students in Training and Newly Acquired organizations Includes broad coverage to include client to client contact

15 Business Auto Business Auto Expansion Endorsement (CCA 207) Coverage Applicable Limit of Insurance Temporary Substitute Vehicle Physical Damage Included Who is An Insured Board Members Newly Acquired Entities Designated Insured Lessor of Leased Autos Included Included Included Included Cost of Bail Bonds $5,000 Reasonable Expenses Loss of Earnings $500 per day Fellow Employee Coverage Amended Towing $100 per disablement Glass Breakage (Windshields and Windows) No deductible applies for repair Transportation Expenses $100 per day / $3,000 maximum Hired Auto Physical Damage Loss of Use $100 per day / $1,000 maximum Hired Auto Physical Damage ACV or repair or replacement of the vehicle whichever is less Personal Effects $500 Rental Reimbursement $100 per day / 30 days Accidental Discharge Air Bag Coverage Amended Electronic Equipment Coverage $1000 Original Equipment Manufacturer Parts Included Replacement Waiver of Depreciation Private Passenger Included Auto Loan / Lease Gap Coverage Amended One Comprehensive Coverage Deductible Per Amended Occurrence Notice of and Knowledge of Occurrence Amended Blanket Waiver of Subrogation Amended (as required by written contract) Unintentional Errors or Omissions Amended Mental Anguish Bodily Injury Redefined Amended

16 Umbrella/Excess Capabilities up to $10,000,000 Monoline Umbrella or Excess available (including layers in larger cases) Occurrence or Claims-Made Can include Abuse & Molestation when good controls are in place Employers Liability in Umbrella is available when A -rated carrier and underlying limits are at least $500k/$500k/$500k Minimum premium per layer is $1,000 Currently, all umbrella is written Non-Admitted which is temporary while we work on Admitted follow-form language which will be ISO based Submit all underlying details including loss runs for submission/quote

17 Defense You Can Depend On

18 The Complete Claims Solution Our Team A unique group of highly experienced, licensed claims professionals Comprised of attorneys, medical professionals and insurance specialists who are all licensed property and casualty adjusters All claims are handled in-house; we do not outsource or contract for claims-handling services Whenever possible, a claim file is managed by one examiner from incident report until resolution Attorney Panel Robust national network of more than 350 experienced attorneys, ready to guide our clients through the litigation process Attorneys selected based on their level of experience handling medical malpractice claims, their reputation among their peers and the level of attentive service they provide to our clients Comprehensive litigation guidelines to manage the relationship between counsel, the client and our claims examiner

19 The Complete Claims System Proprietary claims management software In-house software developers build and maintain our digital workspace We work in a paperless and remotely-accessible environment, allowing our team to be actively engaged even when out of the office on travel The System also serves as a data repository, capturing demographic data about causes of loss, practice jurisdictions, attorneys and the ultimate resolution of our cases Data is available for analysis that drives accurate reserving and claimshandling decision-making for future claims

20 What s Next? Submit and Win Business! Submit you complete submissions to submissions@gatewayspecialty.com Help us help you label attachments, add effective date and need-by date to subject line of s Production expectations by each of our Health Club Members Supplemental Applications We will work from competitor supplemental applications, however we need current staff details Our supplemental apps consist of one main supplement with additional pages for unique exposures; renewal supplemental apps available Submission Requirements Acord apps for property, auto, crime, IM and GL/Umbrella (when part of package) Newly formed business provide resume of Executive Director or a description of education/experience Website/Brochure/Narrative one of these is needed to understand the operations/services provided Loss Runs 5 years of currently dated loss runs (to include current year)

21 Tools & Support Not for profit insureds will be given access to this passwordprotected site to access a variety of free risk management resources. This organization provides access to tax returns of non-profit organizations. Your agents can utilize this tool to see the size of the budget, board members, insurance expense budget. This is also a great prospecting tool. A health and human services accreditation service which can be used as a prospecting tool for your agents. Other accreditation sites include: The Joint Commission Council on Accreditation The Council on Quality and Leadership