Human Services and Non-Profits
When people need assistance in caring for loved ones or support to grow and excel; when they are feeling overwhelmed or struggling with concerns that seem insurmountable, you provide avenues for education, experiences, mentorship, safety, shelter, support and a community to lean on. Your work provides assistance with first steps and beyond to help people stand on their own at all ages through the normal course of life, as well as, during and following hardships or abuse by delivering services key to the situations each individual is in.
Along with your dedicated staff, you may depend on volunteers with diverse sets of skills and backgrounds as well as partnerships with outside health and legal professionals in your daily operations. If you are a non-profit you further rely on your board of directors, donors and foundations to keep your organization funded. You may even provide clients with work opportunities or expect contributions to the facility as part of their transition process.
In short, in a constantly changing environment, your teams help create moments of mental and physical enjoyment and relief for others; so they can focus on the joys of today and the possibilities of tomorrow rather than the stresses of today and yesterday.
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Contact us today to set up a time to discuss your mission and help you maximize your insurance budget.
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Organizations We Serve
As an independent insurance agency focused on serving select niches, Distinction Risk is able to deploy our time and expertise towards understanding the areas you operate in and importantly meet one-to-one with your organization to understand your vision, specific operations and budget. With this understanding you can look to us to help alleviate stress surrounding "what ifs" that could financially impact your ability to continue operations if an exposure is unrecognized or a claim uncovered when it could have been.
Distinction Risk Solutions' team members focused on Human Service Organizations are committed to providing the best insurance coverages and customer service for youth, senior, and community focused organizations. We will work with you to create a plan that fits your needs and budget, so you can focus on the important work of providing services to those in need. The policies provided by our insurance carrier partners cover a wide range of risks, including professional liability, abuse liability, general liability, property damage, business auto, business income protection and workers' compensation, to name a few.
Exposures
Fully seen or barely apparent?
When it comes to the community focused services you provide, the environments (natural and human-made) you operate in can dramatically shift with barely a moment's notice. Recognizing exposures in advance and being prepared to respond quickly may be the reason your organization is able to maintain its balance and services even when the unexpected occurs. Given your focus of providing in person services, liability exposures will be front and center in your exposure assessment, but certainly not the only exposures your organization may face:
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Liability
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Slips, trips and falls of invitees in common areas due to incomplete maintenance or hazard warnings
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Injury to children for operations offering child care services or play rooms
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Injury due to faulty facility equipment or furniture
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Facility fires combined with numerous residents/invitees present
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Food related illnesses or chemical ingestion
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Injuries to special event or fundraising event participants
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Assertion of excessive use of force
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Accusations of abuse (adult on youth, youth on youth, adult on adult)
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Counseling activities and assertion of inadequate or incorrect counseling
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Admissions and acceptance processes seen as discriminatory
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Accusations of negligent medical care provided
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Failure to maintain confidentiality of client personal information
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Accusations of fund mismanagement by board members and management
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Do you use digital communication systems with clients, potential clients, contacts of clients or for your employees? Do you accept electronic payments?
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Property
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Is your building new and/or originally built for the services you are providing or is it an older facility adapted from it's original purpose in order for you to provide your services? Faulty wiring or overheated equipment could lead to fire losses.
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Appliance related fire loss (ovens, clothing dryers, bottle warmers)
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Power outage or equipment failure leading to food spoilage
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Water overflow from toilets or other appliances
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Location dependency - business interruption and inability to deliver services or need to spend more than anticipated on a temporary alternate location to continue services due to fire, frozen pipe burst, large weather event,
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Weather related damages to building (wind, hail, flood, fire)
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Misuse or theft of organizational funds or client property​
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Personnel & Volunteers
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Injury potential to employees or volunteers based on breadth of operations
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Unfamiliar and varying locations - volunteers or employees while picking up clients in unknown areas and at various times of day
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If benefits are provided, administration of benefit plans and errors in plan selection or updates
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Discrimination asserted in hiring or volunteer acceptance processes
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Automobile
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Liability arising from employees and volunteers using their personal vehicles, rented vehicles or facility owned vehicle(s) for client visits/pickups, for transporting clients or goods to various places, running business errands or going between locations.
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Multiple passenger exposures per vehicle based on services provided and times of day transport services
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Fleet property losses if parked outside in single location
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Key Liability Coverages
Meant to cover your business for loss allegations from and indemnification of third parties (clients, visitors to your premises, donors, volunteers, etc.) arising from bodily injury, property damage or financial damage. Based on your human service focused operations you are more likely to face heightened levels of general liability exposures, social service professional liability exposures, potential for heightened abuse exposures and accusations of misuse of funds by your non-profit organization..
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General Liability
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Premises and Ongoing Operations
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Products and Completed Operations
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Damage to rented premises - e.g. for fundraising events
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Medical payments to others
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Personal and Advertising Injury
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Added coverage possibilities: Special Events, Liquor Liability
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Social/Human Services Professional Liability/E&O (Errors & Omissions)
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Primary operations and staff
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Contingent professional for specific medical professionals
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Educators Liability
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Abuse and Molestation Liability
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Management/Executive Liability
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Directors and Officers (D&O)
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Employment Practices Liability (EPL)
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Fiduciary
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Employee Benefits Liability (EBL)
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Things to Consider
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Things to Consider
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Limits of protection relative to your risk profile and services you provide, the legal climate of your location(s), your client profile and the overall cost of insurance relative to your financial resources
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Are volunteers or independent contractors acting on your behalf covered under your liability policies as insureds or excluded
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Is the definition of professional services provided by your insurer sufficient to cover all of your services as required
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Defense costs provided within or outside of limits for your liability covers
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Defense provision basis (right and duty, at carrier option, etc.)
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Basis of coverage, claims-made vs. occurrence
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Are claims-made step factors utilized?
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Presence of hammer clauses
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1st and 3rd Party coverage for Cyber and/or your EPL coverages
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Interplay of Side A, B and C limit availability in D&O coverage
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When purchased as a full Management Liability suite, are limits shared and if so, how
Property Coverages
Focused on indemnifying you for a covered loss to buildings and associated equipment, your business personal property, valuable papers and records, and business income. It's important to remember you are only made as whole as your coverage is structured for and your causes of loss are applicable to. Depending on the focus of your services, whether or not your organization owns the facility(ies) you use, you may have fairly straight forward property exposures or may need a more focused assessment, inventory and specific approach to ensure your property is appropriately covered .
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Building
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Business Personal Property
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Inland marine
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Equipment Breakdown
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Business Income with Extra Expense
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Crime Coverage
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Cyber - 1st Party
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Things to Consider
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Coinsurance requirements
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Covered causes of loss: Multiple forms from less covered in the "Basic" to all but those excluded in "Special" exist, ensure you have the right one for your circumstance.
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Coverage needs for property away from your business location: dependent upon the types of property you travel with
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Deductibles
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Loss reimbursement basis: Actual cash value, replacement cost, agreed to value, functional value or other basis determines the level of recovery you might receive
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Levels of Business Income and Extra Expense coverage: Are you subject to a defined dollar limit? Are you covered for actual losses sustained on an unlimited basis for one year? Is utility service disruption an included cause of loss? How readily can you be up and running in another facility if needed?
Things to Consider
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Additional Coverages & Protection
Beyond your key liability and property coverages, you may have need for additional coverage, dependent upon whether: your organization has the number of employees in a state requiring you to provide workers' compensation coverage, you have volunteers support your organization, you provide vehicles for your team or volunteers to use in your operations or have them drive their own or rent autos on behalf of the organization, you maintain electronic records of information on/for your clients or staff, and your desire to obtain higher limits of insurance than can be obtained by your primary liability policies.
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Workers' Compensation and Employer Liability
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Hired and Non-Owned Auto
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Business Auto
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Cyber 3rd Party- While coverage for cyber perils is far from standardized some key liability coverages available are:
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Data breach mitigation
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Network security liability
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Funds transfer fraud
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Media liability
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PCI, Regulatory proceedings and assessment
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Accident and Medical - Participants and Volunteers
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Excess/Umbrella
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Things to Consider
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State requirements for providing Workers' Compensation coverage based on your organizational legal structure and employee counts
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Even if not required by law in your state to provide Workers' Compensation, do you have employee or volunteer exposures which you could be liable for, creating a gap if an accident occurs?
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Are you obtaining required underlying limits to prevent coverage gaps between your primary and excess coverages?
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Does your coverage include 1st and 3rd party coverage for Cyber and are you protected for exposure of personally identifiable information and regulatory (e.g. HIPAA) fine exposure.
Things to Consider
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Services
Sometimes the brightest ideas come as a result of simple guided conversations and a willingness to listen and learn. Distinction Risk appreciates the difference you and your organizations make daily to those across the age spectrum as we work to provide you services to assist you in your mission.
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The Distinction Way leverages two decades of risk and exposure analysis experience to provide you with a risk profile assessment, coverage analysis and assistance with insurable risk mitigation
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Distinction Risk Solutions provides our clients with risk and compliance resources to help you with your HR needs, employee trainings and industry insights on demand.
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Access to a learning management system for your team to satisfy safety learning requirements and help with your loss performance
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Industry relevant articles and information provided to you on a regular cadence providing operational insights with little effort for you
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Agency mobile app makes requesting and accessing COIs on the go easy to obtain, along with: access to insurance policies and ID cards, one tap text or phone access to your agent and more
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Insurer provided services
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Access to loss prevention consultants to assist with safety plans, abuse controls, crime prevention and more
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Access to Human Service specific e-learning courses and online reference guides, loss prevention libraries and risk resource portal
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Access to discounted background checks and MVRs
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Coverage provided by highly rated carriers with strong financial standing and policies specifically crafted by industry niche experts
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