Social Service Organizations Responding to Nation’s Needs
Nonprofit organizations, just like most other businesses, entered 2020 with plans to maintain and expand their operations. While any proper business model would be prepared for minor losses, no one could have predicted the nation’s shutdown. COVID-19 and its many implications have proven to be an unprecedented experience, causing medical emergencies, strict travel restrictions and a halt to business operations.
While many businesses have been forced to suspend their operations, nonprofits are experiencing higher-than-usual demands. Finding themselves suddenly out of work and their incomes on hold, millions of Americans have turned to food banks and soup kitchens to help put food on their tables. Cars are lined up for miles at food banks all around New York. Due to the amount of sickness, death and other forms of loss that millions have experienced, as well as coping with feelings of helplessness, grief counseling has seen a substantial increase in patients. As of March 2020, the ASPCA reported a nearly 500% increase in animal adoption applications in New York and Los Angeles as a result of stay-at-home orders.
Additionally, domestic violence has reportedly escalated during this lockdown period. According to the New York Times, “mounting data suggests that domestic abuse is acting like an opportunistic infection, flourishing in the conditions created by the pandemic.” An analysis of data from five big American cities indicates that reports of domestic violence have increased. Unfortunately, shelters may not currently be able to take in victims of abuse due to the risk of spreading infection, but we may see the number of individuals seeking relief at abused adult shelters increase once lockdown orders are lifted.
Social service organizations offering relief services are crucial in helping so many in need. They can find themselves liable for claims that include:
- Bodily injury
- Physical and sexual abuse
- Contract violations
- Breach of duty
- Misappropriation of funds
- Defense costs
Nonprofits are facing unique challenges during this time, and USLI offers a variety of insurance and value-added solutions for them under the Nonprofit Package team’s Social Services product. Our comprehensive package policy offers:
- General liability
- Professional liability
- Abuse and molestation
- Directors and officers
- Employment practices
- Hired and non-owned auto
- Special events
In addition, our newly broadened Social Services product classes include youth community centers, learning disorder services, mental health counseling and programs for those with special needs. We recently expanded our appetite to include more residential care exposures, as well.
USLI’s Business Resource Center also provides value-added resources that greatly benefit social service organizations, such as digital permission slips and waivers, discounted background checks, marketing resources, cyber breach information and much more.
As always, thank you for your support and business.
Contact Jessica Knopp
Assistant Vice President, Underwriter – Home Office | 888-523-5545, ext. 2114
Written by Kristin Ryan
June 4, 2020