How to reduce the effects of flooding
The effects of flooding can be greatly reduced by taking preventative and precautionary measures. We’ve put together a comprehensive list of things you can do
Community Services Insurance
As a professional in community and social services, you provide specialized care to members of your community that need it most. Whether you provide counselling, childcare, manage a non-profit or run a summer camp, your business can be exposed to a unique set of risks. These risks could affect the operation of your business and, in turn, impact the members of your community.
We can provide you with tailored business insurance to help cover situations like a slip and fall on your property or help protect you from other liability concerns, such as property damage and cyber breaches.
What type of business insurance should community service providers consider?
Your business helps bring Canadians together and build a stronger and safer community. We understand that community service providers face challenging situations every day. As Canadian families grow and your business evolves, we’re here to help you make the most informed decisions about how to protect your employees and the people you care for. We provide community service insurance to many types of business
- Charitable & Non-profit Organizations
- Child Care Services
- Counselling
- Cultural & Religious Institutions
- Community Living & Group Homes
- Daycare, Pre-schools, & Nurseries
- Mental Health Services
- Personal Support Workers
- Public Health Units
- Rehabilitation Clinics
- Summer Camps
- Shelters
What coverages can be included in community services insurance?
Community service businesses are all about people – the people who are receiving a service, and the staff that provide it. In the event of loss or damage, it’s important that your business can get back up and running as soon as possible, because the services you provide are essential. Here are some key coverages you may want to consider for your business:
If a client were to slip, fall and injure themselves at your business, you could be found liable and responsible for their compensation. Commercial general liability (CGL) insurance can help support you in this situation and can help you avoid substantial legal fees. It’s designed to cover your business if a third party suffers bodily injury or property damage wherever your business operates.
Severe weather such as heavy rain can impact your property and cause significant damage. Commercial property insurance can help cover property damage or loss and can help shoulder the costs to repair or replace equipment, accessories and incidentals, or even the building itself.
If one of your employees is involved in an accident using a company vehicle, their personal auto insurance won’t cover any resulting damage. Commercial auto insurance can help cover injuries to drivers, passengers, costs for a replacement vehicle, and even lost wages that result from a covered accident.
There are other helpful coverages you can add to your policy to protect your business, including:
What can I expect from a community services insurance policy?
Our underwriting team understands the exposures in the community and social services sector, so we can adapt and expand our offerings as our customers’ needs grow.
We hope you never experience a loss, but if you do, you can count on our dedicated claims team to help get you back to business. We’ll work together with your broker to get the claims process underway as soon as your claim is reported, and we’ll always keep you in the loop. If any questions or concerns should arise, don’t fret – we’re here for you 24 hours a day, 7 days a week.
You can enjoy the perks of your policy well before you experience a loss. Our Risk Services team works hard to help keep your business running safely, smoothly, and consistently with detailed bulletins, workplace risk assessments, and onsite training.
Our Assist Services
On top of our comprehensive core coverage and exceptional customer service, your business insurance policy grants you access to our Assist Services* for extra peace of mind.
Risk Management Assist
Our team of Risk Services specialists is at your service: customers can enjoy unlimited telephone access to experts who can help mitigate risks with advice and guidance on a range of loss prevention topics.
Managing your community service business’ risk
Unparalleled industry expertise, professional guidance, and innovative approaches to managing risk help our Northbridge Risk Services experts stay one step ahead of the crowd. Each year, our team conducts over 5,000 risk assessments and service calls for businesses across Canada. Our onsite assessments are complemented by a selection of in-depth training programs and educational tools to help companies excel in their industries.
Our Risk Services team offers technical publications to help you gain a better understanding of the potential exposures in your industry, and they can provide personal guidance to help fine-tune your daily operations. Find out more about what our experts can do for your business.
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* Legal Assist not provided for criminal, personal or insurance issues, do not provide representation in legal proceedings or legal fees coverage, and provided by Assistenza International, through lawyers licensed in your jurisdiction. Risk Management Assist provided by our Risk Services specialists and are intended to augment your internal safety, compliance and risk management practices, and are not a substitute for professional or legal advice. Trauma Assist provided by independent third-party professionals, long-term and specialized counseling not included. Cyber Assist is provided by an independent third-party service provider. Services are not included in any cyber extension or endorsements. Services are not an insurance policy, not all policies are eligible, contact us for details.