Homeless shelters service their local community by providing a safe place to stay for those who are homeless. They also provide many additional services such as providing food, hygiene supplies, drug and alcohol recovery programs, spiritual guidance, showers, and many additional services.
While providing shelter is what brings in homeless families, once they arrive homeless shelters act by providing the needed resources to help people get back on their feet. It is critical for these individuals who are down on their luck, to feel safe from others who are also there.
The fear of the unknown can make it difficult to seek out help which is why it is important for a homeless shelter to have an active ongoing plan to prevent sexual abuse, falls, violence, and diseases while staying in a facility.
How to reduce and/or eliminate sexual abuse
Helping to prevent Slips, trips and fall liability insurance claims
It is important to have all the needed liability insurance in place for a homeless shelter. We have identified several possible things that can be done to reduce your liability. In reducing your liability exposures, you are also helping to keep people safe. Keeping people safe and healthy, should be the primary goal of any nonprofit organization who works with people.
When considering liability insurance, a homeless shelters insurance program should include the following coverages:
Depending on the level of services being offered by your homeless shelter, the level of liability protection could differ from one organization to another. Not having all the needed liability protection in place, could become a costly mistake. It is important to discuss with your nonprofit insurance agent, what exposures are present at your facility. This will help them make the needed recommendation, as they structure your homeless shelter insurance program.
Workers’ Compensation Insurance
Your employees and volunteer staff, also need protection from a job-related injury. Volunteer staff would be anyone who regularly works for your homeless shelter without pay. This would not include your occasional volunteers. Workers’ compensation insurance is required by all states, however the coverage limits differ from state to state.
Commercial Auto Insurance
Most homeless shelter also own vehicles. They use these vehicles to go out into the community, to see how they can help their homeless community. They also use their vehicles to pick up supplies, food, and to make deposits of donations at their local bank. Any vehicle registered to a homeless shelter will need to be covered by a commercial auto insurance policy. It is recommended to obtain the maximum limits available in your state.
Group Health Insurance
Health insurance is vital to every individual and family. Our employees deserve to have this needed health insurance coverage. They are typically willing to accept the lower wages, so they can give back to those in need. Quality health insurance is a great way to show your employees you care about them and their families.
Homeless shelters are doing a difficult job, most people and organizations would never want to deal with on a full-time basis.
It is important to have all the needed insurance coverages in place, to protect your facilities and people who enter your buildings.
We look forward to your phone call or seeing your request to quote.