Program Highlights

This specialty coverage for YMCAs and YWCAs offers the following:

General Liability – up to $1 million per occurrence / $3 million aggregate:

  • Athletic Participant Legal Liability – included to policy limits
  • Health Club Professional Liability – included to policy limits
  • Child Care Professional Liability – included to policy limits if licensed and rated
  • $100,000 Fire Legal Liability (higher limits available)
  • Abuse and Molestation (included in IL; optional in other states)
  • Premises & Operations
  • Products & Completed Operations
  • Employees and Volunteers as Automatic Insureds

Liability Coverages Included to Special Limits:

  • Medical Payments to Child Care Students
  • Medical Payments to Sports Participants – $5,000 with higher limits available
  • Excess Sports Medical Payments – covers injuries on limited basis to $2,500
  • Pollution – up to $100,000 limit
  • Membership Discrimination Coverage – $10,000 review/$25,000 aggregate

Additional Liability Coverages Available:

  • Counseling Professional Liability for support and social work
  • Massage Operations, including Professional Liability
  • Tanning Operations, including Professional Liability
  • Employee Benefit Liability – claims-made to $1 million

Property Coverages:

  • Covers Buildings, Contents, and Business Income
  • Replacement Cost Value Availableno-interest-payment-plan
  • Blanket Coverages Available; Agreed Value
  • Automatic Increase on Building Value at 4%
  • Equipment Breakdown

Optional Property Coverages Available:

  • Values to $40 million per location in house with higher limits available
  • Earthquake coverage – limited values in certain IN, IL, MO counties
  • Mine Subsidence – available for specific IL, IN counties
  • Utility Services – Direct Damage and Time Element
  • Sewer Back Up at limits to $50,000

Other Coverage Options:

  • Crime
  • Inland Marine – electronic data processing coverages, equipment, machinery
  • Auto – owned, hired, non-owned hired, including multi-passenger vans or buses
  • Umbrella – limits to $10 million
  • Workers’ Compensation – IA, IL, IN, KS, MN, MO, WI. Stop-gap written in OH
  • Directors & Officers (non-profit to $1 million with higher limits available)

Areas Served

areas served

Contact

Morency & Associates, Inc. 1194 Long Hollow Pike Gallatin, TN 37066

615-451-4887          (Office) 877-244-9090          (Toll-Free) 630-240-4299          (Mobile) 615-452-6580          (Fax) Kevin Morency        (Email) Rebecca Morency   (Email)