Excess Casualty

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