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OthersFirst® Protection Package
| Your clients depend on you to meet their special needs. We hope you’ll
count on us to do the same for you. Whether your human services organization is dedicated to helping the
elderly, the disadvantaged or others with physical or intellectual
disabilities, our insurance program can help to ensure you can continue your
good deeds should the unfortunate happen.
All the right options to tailor coverage precisely to the needs of
your organization.
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In addition to the fundamental protection you would expect from a quality
business insurance program for your property, buildings, commercial autos
and other coverage needs, our OthersFirst® Protection Package gives you the flexibility to
choose from among several optional coverages designed to guard against the
special risks you face as a human services organization, including but not
limited to:
- Professional liability coverage—Insures your nurses, social
workers, counselors and others you employ against liability claims
stemming from professional services they provide or fail to provide.
Also includes vicarious liability coverage for your contracted
physicians and all your psychiatrists.
- Abuse or molestation coverage—Liability coverage for
allegations of client abuse or allegations of improper supervision of
clients that leads to abuse.
- Additional insured status for funding sources, home care
providers, lessors of leased equipment, managers and supervisors, and
medical directors and administrators.
- Loss of income and extra expenses you incur if your business
is disrupted due to workplace violence.
- Broadened commercial auto coverage—You can purchase a
package of numerous upgrades to the commercial auto policy that contains
features such as coverage for allegations of mental anguish, hired car
physical damage protection, and employees as additional insureds.
Our OthersFirst broadening endorsements contain a host of other key
coverages, such as coverage for:
- Damage to property of home care providers
- Crisis management expenses
- Emergency vacating expenses
- Kidnap expenses
- Mobile medical equipment while away from premises
- Pledged donations expenses
When you insure with the “Good people to know” at Harleysville, you also
can expect:
- Competitive pricing based on the merits of your individual
business, and flexible payment plans to meet your cash flow needs.
- Discounted pricing on employment background and criminal
searches—as well as drug testing—and for online defensive driving
courses and
other risk management tools and
services that help you minimize your
exposure to loss.
- Exceptional claims service that begins when you report a loss
using our toll-free number, which is available 24 hours a day, 365 days
a year.
Get an added measure of security with management
liability protection
Harleysville's OthersFirst Protection Package provides
a wide array of coverages to safeguard your human services organization
against the many risks it faces every day. But many organizations seek
special protection to guard against liability that can arise from missteps a
leader or staff member might make—whether accidental or intentional.
To meet this need, Harleysville partners with Allied
World Assurance Company to enable your organization to add one, two or all
three of these competitively-priced management liability coverages to your
overall insurance program:
Customers adding D&O coverage get free access to Strategic
ResponseSM—a
24/7 crisis hotline that connects them to professional public relations
resources for advice and guidance in managing a crisis event and mitigating
related damage.
EPL
customers receive free access to The Workplace Helpline®—which
offers online resources and monthly updates that inform them of the latest
state and federal workplace regulations, as well as
tools that aid in overall risk management efforts.
Talk to your independent Harleysville agent today to learn more about how
our OthersFirst Protection Package is the ideal product to protect people in
the business of helping others.
To locate a Harleysville agent near you,
click here.
NOTE: PROPERTY COVERAGE IS NOT AVAILABLE IN
FLORIDA.
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