This general check list may help you when selecting an Insurance provider for your CAC office.

Insurance Carrier

• “A” rated carrier by AM Best, financial category VI
• Expertise in Non-Profit coverage
• Where is claims office?
• Same carrier for general liability, professional liability, auto liability and director’s & officers

Property

• Replacement Cost Coverage
• Adequate Limits to rebuild or replace
  • Building
  • Contents / Betterments & Improvements
  • Computer / Electronic type systems
• Business Income & Extra Expense – coverage for at least 9 months
• Crime / Employee Dishonesty

General Liability

• Occurrence Form, limits of $1,000,000 per occurrence / $3,000,000 aggregate
• No product liability exclusion
• Professional Liability – $1,000,000 per occurrence / $3,000,000 aggregate
• Sexual misconduct / physical abuse coverage – $1,000,000 per occurrence
• Punitive Damages included
• Volunteers are insured
• Host Liquor Liability
• Fund raising events on or off premises included

Automobile

• $1,000,000 combine Single Limit “CSL”
• Any auto coverage “Symbol 1”  including hired & non-owned liability coverage
• Hired & Non-Owned Liability coverage
• Physical Damage (if you desire) $500 deductible

Workers Compensation

• Statutory Coverage, including Volunteers
• $1,000,000 Employer’s Liability
• Other states coverage if needed
• Verify claim history against NCCI Experience Modification Factor

Director’s & Officer’s

• $1,000,000 limit
• Entity Coverage – Past, Present and Future D’ & O’s, Employees and Volunteers
• Full prior acts coverage
• Spousal coverage for D’s & O’s
• Employment Practices with Third Party Liability

Umbrella

• $1,000,000 limit
• Coverage over General Liability, Automobile Liability & Employer’s Liability