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Employee Benefits

Complete insurance for your business insurance needs.

Business

Commercial insurance covers you and your business assets.

Personal

Protecting your auto, home, motorcycle, boat and more.

Kennedy Insurance Agency

Kennedy Insurance Agency

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Headquarters: 1519 So. B Street
San Mateo, CA 94402
License # OD69286
Tel: 650-341-4484
Fax: 650-341-4465

Kennedy Insurance Agency
950 S Bascom Ave., Ste 2009
San Jose, CA 95128
License #0279555
1 (408) 296-1000

Personal Lines Division
339 7th Steet Suite L
Hollister, CA 95603
Tel: 888-999-6126
Fax: 831-637-9689
United Valley Insurance

Non Profit Insurance

The information provided below is a summary of Non Profit coverages. Refer to your organization’s policy for specifics limits, coverages and exclusions.

Commercial General Liability

This is typically the “core” coverage for a nonprofit. Be sure it is provided on an “occurrence” policy, not a “claims made” policy. The most common occurrence coveted by this policy is a “slip and fall.” Depending on the extent of the General Liability coverage purchased, Commercial General Liability insurance may provide coverage for a wide range of negligent acts which result in bodily injury, personal injury, advertising injury or property damage to a third party. It does not cover damage to property under your control.

Miscellaneous Professional Liability

This coverage is often provided as an endorsement to the commercial general liability. It typically provides coverage for negligence and errors and omissions as a result of professional and peer counseling activities. While it may, depending on the policy, cover nurse practitioners and the dispensing of medications, it is not true malpractice liability. This policy is typically not sufficient for organizations with medical malpractice exposures.

Improper Sexual Conduct Liability

Buyers of this type of coverage should be particularly careful to understand what they are getting and not getting with this coverage. Frequently, insurers claim to offer this free “silent” coverage with the commercial general liability, because they do no specifically exclude improper sexual conduct. Buyers beware. Unless this coverage is purchased as a separate policy specifically providing coverage for improper sexual conduct, you likely will not have any coverage for your employees or volunteers. With the “silent” coverage, employees or volunteers who may be unfairly accused will receive no coverage at all under this insurance.

Employee Benefits Liability

This coverage usually is purchased as an endorsement to the commercial general liability policy. It is intended to cover damages from your organization’s negligent handling of the administration of your employee benefits program.

Non-owned and Hired Auto Liability

If your employees or volunteers use their own vehicles on company business, this coverage is highly recommended. The purpose of this policy is to provide coverage excess of an individual employee’s or volunteer’s auto insurance. If the organization is held liable for the employee’s or volunteers actions involving his or her vehicle and the limits of the individual’s personal auto insurance policy have been exhausted, the coverage will be engaged.

Business Auto

Commercial auto coverage may include liability only or may also cover physical damage. The portion covers damage to other vehicles or property and injury to others for accidents for which you are at-fault. Auto physical damage covers repair of vehicles you own. Non-owned and hired auto liability as described above, may be purchased as part of the business auto if your organization owns vehicles. Uninsured motorist coverage may be purchased with the business auto policy and it provides coverage for accidents involving uninsured or underinsured motorists.

Directors and Officers Liability

The key distinction with Directors and Officers liability is that it is intended to cover wrongful acts that are “intentional” as opposed to “negligent.” This is because Directors and Officers insurance is designed to cover actions and decisions of the board of directors. These actions may be in error and wrong, but they are, nonetheless, “intentional” acts. Most other types of insurance do not cover “intentional” acts. Among the items a good Directors and Officers policy should include is broad coverage for all types of employment related actions, including wrongful termination, harassment, discrimination, failure to hire, etc. It should also pay defense costs as they are incurred, not on a reimbursement basis.

Umbrella Liability

True to its name, umbrella coverage typically provides higher limits for a variety of coverages. For example, one umbrella policy may increase the limits of coverage on a commercial general liability policy, a business auto policy, and a workers compensation policy simultaneously.

Property

Property coverage is purchased to protect the physical assets you own or lease such as buildings, office equipment, furniture, fixtures, etc. There may be special types of coverage which need to be purchased for property in transit, mobile equipment, fine arts, etc. When considering this coverage, it is important to have a thorough inventory of all physical assets, then make sure that the property is accurately valued and that adequate coverage limits are purchased.

Employee Dishonesty

Employee Dishonesty coverage is intended to provide a. source for recovery.-y of funds embezzled by employees. This coverage may sometimes be purchased with the property coverage or may be purchased separately as a fidelity bond.


Student, Volunteer and Participant Accident Insurance

Accident insurance provides a limited amount of coverage for injury to a student, volunteer and participant (depending on the specific coverage) on a no-fault basis. Under commercial general liability, it is typically necessary to establish fault before a payment is made. However, accident insurance typically pays, regardless of fault, and may engage prior to an individual’s health insurance or in excess of it, depending on the particular policy.

Workers Compensation

Workers compensation is mandated by law for all employees. It is designed to cover the cost of injury and lost time from work for employees who are injured on the job.