Shelters run around the clock, often in older buildings, with volunteers doing work that paid staff would do anywhere else. Property, people and constant activity is where coverage most often turns out to be thin.
A building occupied twenty-four hours a day carries a different property and premises profile than an office, and often sits in older housing stock.
Domestic violence and youth shelters in particular carry confidentiality obligations where a breach has consequences well beyond the ordinary.
Much of the day-to-day operation depends on volunteers, which affects liability, injury coverage and how the organization is protected.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
