Social Services

General Star provides specialized excess coverage for social service organizations..

Coverage Offered (over preferred underlying limits of 1MM/3MM)

• Up to $10,000,000 in Limits over Commercial General Liability, Auto Liability, and Miscellaneous Professional Liability
• Up to $5,000,000 in limits over Abuse & Molestation on claims-made form
• Abuse & Molestation excess coverage on occurrence form
• Non-admitted coverage is offered in all states

Risk Appetite

• YMCA and similar organizations
• Camps
• Schools
• Daycare Centers (Adult & Children)
• Residential Facilities
• Up to $5,000,000 in excess coverage over Home Healthcare Facilities (Prof. Liab. must be on claims-made form)
• Up to $5,000,000 in excess coverage over Incidental Foster Care exposures (total adoption & foster care placements of 25 or less)

Ineligible Exposures

• Hospitals
• Nursing homes
• Assisted Living Facilities
• Methadone treatment facilities
• Physicians
• Acute care/trauma care facilities
• Rehab facilities for spinal cord injuries, trauma brain injuries, amputation and burn victims
• Alternative to incarceration/Court ordered detention facilities

Limits

• $5MM excess limits
  ($10MM capacity available on certain risks)

Submission Requirements

• All submissions must be complete and signed by the insured
• Our Abuse & Molestation supplemental application must be completed if this coverage is desired
• Breakout of all exposures and professional staff
• Underlying carriers must have an AM Best rating of A-V or better
• 5 years of currently valued loss runs