Rock Hill, N.Y.-based Irwin Siegel Agency Inc. (ISA) now offers new coverage options to help fill gaps social service organizations face in their current insurance policies. These additional coverage enhancements include environmental and commercial pollution, volunteer accident and HIPAA protection. These options are available to both ISA insured and non-insured organizations.
Environmental coverage offers protection for claims resulting from pollution conditions both at the insured location and during transportation and covered operations conducted away from the named insured’s premises. This policy helps close the gaps that may occur with multiple insurance policies, premiums and deductibles by insuring facilities, disposal sites, transportation and covered operations under one policy.
Volunteer accident coverage complements an organization’s general insurance policy. Since claims are paid under an accident medical program, these claims may not affect the organization’s general liability, workers’ compensation or other general insurance policies. Also, it helps to fill gaps in personal insurance while making volunteers feel more secure. Volunteers can receive a benefit to help ease the financial impact of a covered accidental injury.
HIPAA Protector and Medefense protect an organization regarding current rules restricting use of patient information. These restrictions have created a new patient privacy regulation exposure for physicians, medical groups, hospitals and other health care and non-health care related entities. This coverage provides for defense costs and civil fines and penalties levied by governmental agencies resulting from violations of HIPAA.
Source: Irwin Siegel Agency Inc., www.siegelagency.com
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