Program Features

Package Product

Partnered with the long established workers compensation product, the package offering allows Community First to be a “one-stop” comprehensive insurance solution for social service organizations.

Coverage Highlights:

  • Product includes: Prop/GL/PL/Auto/Work Comp/D&O/EPL/Umbrella
  • Aggregate limit for Abusive Conduct
  • Aggregate limit for Social Service Professional Liability
  • Social Service Advantage including coverage for: Unpaid donations, Workplace violence counseling, Executive Officer replacement expense, Identity theft, Fundraising special event cancellation or blackout, Image restoration and consulting
  • Additional umbrella limit available for abusive conduct and SS professional liability
  • Crisis Management - $50K limit
  • Deluxe Business Income & Extra Expense extension – increased coverage for transit, unnamed & newly acquired locations
  • Premier Commercial Property Extension - $1M blanket for various property

Workers Compensation

In Partnership with Tangram Insurance Services, ProSight Specialty offers Workers Compensation for non-profit organizations that are often overlooked or underserved by other insurance companies. That's because we focus on markets where we have differentiated expertise and partner exclusively with specialist distributors who have a deep understanding of their customers.

Our offering is unparalleled in the non-profit world, and is ideal for for-profit businesses whose overarching goal has a social service purpose. We offer a monthly reporting option, dedicated claims adjusters with deep expertise in the non-profit and social-services markets and flexible billing options designed to meet the specific needs of organizations that rely on donations and grants and may not have predictable cashflow. And as an added bonus, we never charge broker fees for our policies. Our policies really represent the best of both worlds: deep expertise in the non-profit field with best-of-breed insurance programs that no one else can touch.

Tangram Insurance Services has met the non-profit and social services markets' Worker’s Compensation needs for more than 10 years. In addition, ProSight is working with LWP Claims Solutions to deliver extraordinary claims service to our customers. LWP has a dedicated team of adjusters for the Community First program and state-of- the-art technology that allows customers to view claims and communicate with their adjuster in real time.

Management Liability

When it comes to management liability, non-profit organizations face a number of challenges that for-profit companies don't have to deal with. That's why we are proud to offer several management liability products as part of our Community First non-profit insurance solutions. In partnership with Tangram Insurance Services, we offer management liability coverage for non-profits.

Our Management Liability package offers Directors and Officers Liability Coverage, with optional Employment Practices Liability and Fiduciary Liability coverage.

Our product has several unique features: flexible limits that can be shared - or separated - for each purchased coverage section, forms specifically designed to address the needs of non-profit social service agencies, and the choice of having defense costs included within the limit of liability or unlimited defense outside the limit. A risk management hotline is available through the Harmonie Group to provide independent advice on issues regarding employment practices, directors & officers or fiduciary liability concerns.