What is Easter Seal Societies?
Easter Seal Societies are nonprofit organizations that provide services, therapy, and support for people with disabilities and their families. Insurance for these organizations helps protect against liability claims, property damage, and interruptions to services. Coverage is designed to address the day-to-day risks of running programs, facilities, transportation, and special events.
Who needs it
Typical buyers include local chapters, regional nonprofits, clinics, day programs, and service providers—basically clubs and associations that operate facilities, run events, or transport clients. Smaller organizations and volunteer-run groups should consider insurance as seriously as larger operators. For related nonprofit exposures, see Insurance for Humane Societies for an example of how similar organizations approach coverage needs: Insurance for Humane Societies.
What it typically covers
Policies vary, but common types of coverage include:
- Commercial general liability to protect against third-party bodily injury and property damage.
- Participant accident coverage for clients injured during programs or therapy sessions.
- Property coverage for buildings, contents, and specialized equipment.
- Commercial auto or transportation coverage for vehicles used to transport clients and staff.
- Professional liability or malpractice coverage where clinical services are provided.
These elements help manage liability exposures and support continuity of operations after a covered loss.
Common exclusions or limitations
Policies often exclude intentional acts, criminal activities, some professional services without proper credentials, and certain volunteer-run activities unless specifically endorsed. Equipment with known defects, pre-existing property damage, and some transportation exposures may also be limited. Always review the policy endorsements and exclusions to understand gaps in coverage.
Factors that influence cost
Underwriting factors that typically affect premiums include the size of the organization, number of clients, types of services offered, claims history, location and facility condition, staff training programs, and whether vehicles are owned or rented. Risk management practices—such as staff background checks, safety protocols, and maintenance programs—can lower rates by reducing operational hazards and spectator injury exposures.
Proof of insurance & compliance
Many funders, landlords, and licensing bodies require certificates of insurance naming them as additional insureds. Proof usually includes limits for general liability, auto, and professional liability where applicable. Keep certificates up to date and understand the specific requirements for contracts, leases, and program partners.
How to get a quote
Gather basic information before requesting quotes: organization size, payroll, types of programs, vehicle usage, and recent loss history. Discuss your operations and risk controls with an agent; if you prefer an online route, you can also talk to your agent to start the quoting process. Good documentation of safety protocols and training will help underwriters evaluate your organization more favorably.
Frequently Asked Questions
Do I need professional liability coverage?
If your staff provide clinical, therapeutic, or diagnostic services, professional liability (errors & omissions) is often recommended in addition to general liability.
Can volunteers be covered under my policy?
Many policies extend coverage to volunteers, but some require specific wording or endorsements. Confirm volunteer coverage and any limits with your insurer.
What should I do after a claim or incident?
Notify your insurer promptly, preserve evidence, document the incident, and follow your policy's claims procedures. Early communication helps manage liability exposures and speeds resolution.
Still have questions? Talk to a local insurance expert.