Human Services Program - Berkley Human Services

Berkley Human Services provides insurance solutions for nonprofit and for-profit social service and charitable organizations.

Our Human Services Program provides a comprehensive package policy including: General Liability, Property, Automobile, Professional Liability, Abuse or Molestation Liability, Inland Marine, Data Compromise, Crime and Excess Liability, each of which is designed to protect against the broad range of risks nonprofit and for-profit social service and charitable organizations encounter.

We also offer 24-hour availability in claim emergencies, specialized loss control services and access to discounted background checks through Intellicorp.

Products

General Liability

Coverages

Limits available up to $1 Million/$3 Million
Occurrence form
Claims-made form available
Broadened bodily injury, personal and advertising injury, property damage, medical payments, newly acquired or formed organization, and non-owned or chartered watercraft or aircraft coverages
Automatic coverage for “special events” and certain additional insureds: Additional Information

Automobile

Coverages

$1,000,000 combined single limit
Liability and physical damage
Hired and non-owned liability
Social service agencies – volunteers as insureds
Auto Broadening Enhancement Available: Additional Information

Crime

Coverages

Loss sustained form
Employee dishonesty
Theft, disappearance & destruction

Professional Liability

Coverages

Limits available up to $1 Million/$3 Million
Occurrence form
Claims-made form available
Coverage for negligent acts, errors or omissions in the performance of or failure to perform professional services

Abuse or Molestation Liability

Coverages

Limits available up to $1 Million/$3 Million
Occurrence form
Claims-made form available
Limits dedicated to abuse or molestation coverage

Property

Coverages

Buildings and business personal property
Business income and extra expense
Equipment breakdown
Accounts receivable
Valuable papers and records
Electronic data processing
Broadening endorsements available: Additional Information

Data Compromise Coverage

Coverages

$15,000 identity recovery limit
$50,000 response expense limit
$50,000 defense and liability coverage limit
Higher limits available

Inland Marine

Coverages

Miscellaneous property
Commercial fine arts
Electronic data processing
Accounts receivable
Valuable papers

How to Submit a Proposal

In order to obtain adequate information for new submissions, we request:

ACORD Applications
Supplemental Questionnaires, as Applicable to Each Account
5 Years of Current Valued, Prior Carrier Loss Runs
Website Address. If No Website is Available, a Narrative Description of Operations
The Organization’s Brochures