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Available coverages

Human services program

Liability coverage
General liability
A must for all organizations, general liability insurance protects you if you are sued by someone who claims that you caused their physical injury or damaged their property. Markel offers limits up to $1 million per occurrence/$3 million aggregate. (Per occurrence is the maximum amount paid on a covered individual claim; aggregate is the maximum amount paid on all covered claims combined, within the policy period.)

Abuse and molestation liability
Markel offers this hard-to-find, critical coverage for situations that can be explosive. Markel's professional, compassionate claims associates are experts at successfully resolving sensitive claims involving children, and will handle your claim with discretion and tact.

Child abduction liability
If a child is kidnapped while in your care, this coverage pays expenses your organization and the child's parents incur to recover the child, up to the policy limit.

Professional liability
Covers vicarious liability for the insured. Coverage can be provided for employed and volunteer physicians and psychiatrists who provide care for clients on behalf of the insured.

Special events
Volunteers as Additional Insureds: When your organization uses volunteers, they're acting on your behalf. This coverage defends their unintentional negligent acts as it defends your own.

General liability plus extension
Provides a bundled group of coverage extensions such as damage to premises rented to you up to the occurrence limit and per location aggregate.

Umbrella liability
Provides extra protection for catastrophic events. Umbrella liability goes into effect after you've exceeded the limits of your general or auto liability insurance. Limits up to $15 million are available.

Management liability

Directors and officers liability
Employment Practices liability
Note: For more information on management liability coverages, contact your agent.

Property coverage

Commercial property extension endorsements
Provide a bundled group of coverages on one form such as accounts receivable, debris removal, fire department service charge, newly acquired buildings and personal property, outdoor property, refrigerated goods spoilage, and more.

Systems breakdown
Protects you when any mechanical, electrical, or pressure system breaks down. This includes heating and air conditioning systems, computers, boilers, refrigerators, hot water heaters, and telephone systems.

Key employee replacement
Helps you get back to business as quickly as possible following the loss of a key staff member. Provides the funds for a temporary replacement, and to find a qualified permanent replacement.

Other coverage

Accident medical
This coverage pays medical bills (up to the policy limit) if your staff, volunteers, or clients are injured at your facility and have no insurance of their own, or their bills exceed what their insurance pays. You can think of accident medical insurance as a goodwill gesture--by paying the injured person's medical bills now, you may be able to avoid a lawsuit later.

Covers owned, leased, non-owned, and hired vehicles, such as cars, vans, pickups, and buses used at your facility. Automobile Plus Extension provides coverage extensions such as hired physical damage and rental reimbursement.

Business income
If your facility is temporarily closed due to a covered loss (fire, lightning, windstorm), business income insurance covers your lost income and continuing expenses.

This coverage protects you from employee dishonesty, theft of money or securities, and forgery.

Inland marine
Covers your valuable papers, EDP, signs, property off premises, and miscellaneous articles and equipment.