The right insurance coverage so you can keep on giving.
With the public interest on the line, non-profit organizations (NPOs) are under intense pressure to deliver high-quality services on lean budgets. An organization’s financial well being is at risk of being destabilized by unexpected costs — asset losses, uncovered liabilities, and even lawsuits. Although NPOs are mandated to put the public good above financial gain, they are still exposed to liability risks from donors, employees, clients, suppliers, vendors, government agencies and anyone else they do business with.
Lloyd Sadd offers customized insurance programs to protect non-profits from a wide range of risk exposures, including damage to property and equipment, employee dishonesty, abuse liability, cyber liability, malpractice liability, liability for special events, crime coverage, legal expense insurance, commercial auto coverage, professional liability and Directors’ and Officers’ (D&O) liability. Our in-house experts understand that every dollar is earmarked for additional services, not uninsured losses. To that end, we leverage strong relationships with insurance providers to offer our clients the most comprehensive coverage at preferred rates.
In addition to helping our non-profit clients, Lloyd Sadd is committed to being a good corporate citizen and supports NPOs within the broader community. To that end, we encourage our staff to both volunteer and raise awareness for diverse organizations, and host educational and networking opportunities for NPOs. Like any other organization, non-profits must manage their risks in order to be sustainable over time. Contact us today to find out how we can create a customized insurance program that protects your organization from financial threats, both today and in the future.
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Social Services Programs
Residential Contractors Insurance Program
The Lloyd Sadd Social Services Residential Contractors Insurance program protects you, and satisfies your contractual obligations with the agencies you work with. The program offers Commercial General Liability policy tailored to care operations.
Residential Support Providers (Roommates and Neighbors), along with those providing respite support, have to be protected. As a provider/contractor did you know that your personal home or tenant’s liability insurance usually does not provide protection for you if something happens arising out of the residential care of clients? That support is considered a business operation and personal property policies do not cover business ventures of this nature. You are also not covered under the agency your work for as an independent contractor.
Specialized Social Services Program
Lloyd Sadd’s Specialized Social Services Program offers exclusive and tailored solutions crafted specifically for social services operations. Whether you’re a newly established entity or a longstanding pillar in your community, we offer comprehensive coverages specific to your sector. Some highlights of the program include:
- Coverages for property, general liability, abuse liability, professional liability and more
- Available plans for new or existing companies
- Available plans for property owners who rent to group home or care home agencies
- Dedicated team with over 25 years experience
For more information regarding our Specialized Social Services Program, reach out to Jennifer Stevens at jstevens@lloydsadd.com