[vc_row type=”vc_default” margin_top=”-50″ bg_type=”image” parallax_style=”vcpb-vz-jquery” bg_image_new=”id^972|url^https://www.socialinsuranceadvocates.com/wp-content/uploads/2017/10/iStock-490762628.jpeg|caption^Child holds an old hand and helps senior|alt^null|title^Helping hand|description^null” bg_image_repeat=”no-repeat” bg_override=”ex-full” disable_on_mobile_img_parallax=”disable_on_mobile_img_parallax_value” enable_overlay=”enable_overlay_value” overlay_color=”rgba(0,0,0,0.5)” overlay_pattern=”transperant” overlay_pattern_opacity=”25″ css=”.vc_custom_1506956785111{padding-top: 50px !important;padding-bottom: 10% !important;background-color: #000000 !important;}”][vc_column offset=”vc_col-lg-12 vc_col-md-12″ css=”.vc_custom_1476030031960{padding-bottom: 10px !important;}”][vc_empty_space][ultimate_heading main_heading=”Foster Care” main_heading_color=”#ffffff” sub_heading_color=”#ffffff” main_heading_font_size=”desktop:34px;mobile_landscape:22px;mobile:22px;” main_heading_line_height=”desktop:46px;mobile_landscape:32px;mobile:32px;” sub_heading_font_size=”desktop:58px;mobile_landscape:38px;mobile:30px;” sub_heading_line_height=”desktop:68px;mobile_landscape:48px;mobile:40px;” sub_heading_margin=”margin-top:10px;margin-bottom:20px;” el_class=”accent-title-color” main_heading_font_family=”font_family:Raleway|font_call:Raleway|variant:700″ main_heading_style=”font-weight:700;” sub_heading_font_family=”font_family:Raleway|font_call:Raleway|variant:700″ sub_heading_style=”font-weight:700;”][/ultimate_heading]

[/vc_column][/vc_row][vc_row][vc_column][vc_column_text]For every foster care agency striving to provide  children with an environment of stability, security and love, sia is there to help.  Sia understands the risks and is knowledgeable about the insurance products available to protect both foster care agencies and foster parents.

As you evaluate which insurance broker is most qualified to protect your agency, ask yourself some important questions.  Does this broker understand the intricacies of a foster care agency?  Are they able to evaluate and assess your exposure to the risk of sexual abuse?  Can they provide ways to minimize risks for your foster parents?[/vc_column_text][vc_column_text]Coverage for a foster care agency may  include:[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”1/3″][vc_column_text]

General Liability

Directors & Officers Liability

Employment Practices Liability

Business Income

Blanket Additional Insureds

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Abuse & Molestation

Crisis Intervention

Crime

Auto

Cyber Liability

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Special Events

Professional Liability

Property

Employee Benefits Liability

Umbrella

[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column][vc_column_text]Foster care agency claim examples:

Property Claim:

A fire breaks out as a result of cooking in the common kitchen area of a nonprofit foster care agency, which results in extensive smoke and heat damage to both the building and its contents, and forces the foster care agency administration to seek an alternative facility for a period of one month. The organization suffers a loss of $75,000 in property damage and extra expenses.

Hired/Non Owned Auto Claim:

Holly is a staff member working for a nonprofit foster care agency that provides mentoring. While Holly is driving a volunteer for a visit to the supply office she fails to yield at a stop sign and strikes another vehicle. The volunteer sustains a severe bodily injury and sues Holly’s personal auto policy. It turns out that the claim amount will ultimately exceed Holly’s personal auto limits and a secondary claim is made against the Hired/Non-Owned policy of the nonprofit organization.

Abuse and Molestation Claim:

A man who is volunteering for a nonprofit foster care agency receives consent to take a girl he is mentoring on a trip. During the trip, the girl is sexually molested. The girl’s family sues the organization’s Abuse and Molestation coverage for bodily injury and mental duress.

Employment Practices Claim:

A volunteer at a nonprofit foster care agency receives numerous sexual advances from a staff member. The volunteer sues the agency’s Employment Practices policy for sexual harassment.

Directors and Officers Claim:

A donor made a large contribution to a local nonprofit foster care agency requesting that the money be used to enhance the building’s facilities. The board instead votes to use the money to buy a new car for the director. The donor files suit alleging misappropriation of funds.[/vc_column_text][/vc_column][/vc_row]