Since 1986 we have insured the organizations that care for people across California — nonprofit and for-profit alike. Find your kind of organization below, or call and ask for Lillian.
Organizations serving people with disabilities carry a duty of care most carriers do not fully understand. Regional center and county contracts often demand specific limits and endorsements before you serve a single client — so we read the contract before we quote it.
When your organization is responsible for someone else’s child, abuse and molestation coverage stops being optional — and it is the coverage most carriers decline to write. We place it. We also make sure your volunteers, your drivers and your off-site activities are covered before the season starts, not after a claim.
Daycare centers and after-school programs
Residential care for children and youth
Foster family agencies and foster parents
Day, overnight, specialty and special-needs camps
Scouting organizations, Boys & Girls Clubs, mentoring
Youth and adult recreational leagues
Counseling, clinical and recovery programs turn on professional liability — the claim that says the care itself caused harm. The policy has to match how your program actually runs: who is licensed, who is supervised, and what happens after hours.
Shelters and food programs 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 the combination where coverage most often turns out to be thinner than anyone thought.
Congregations, theatres, museums and schools open their doors to the public, run on volunteers, and hold property that would be hard to replace. Most also run programs for children — an exposure a general liability policy may not answer on its own.
Most organizations we insure do more than one thing. Tell us what you do and we will tell you what you need.
