Big Brothers Big Sisters Liability Risks: Coverage Basics
Posted on: January 26, 2015 by Care Providers Insurance
Big Brothers Big Sisters (BBBS) is a community-based mentoring program that creates one-on-one relationships between adult mentors and underserved youth. The program hosts events that allow the “Bigs” (mentors) and “Littles” (youth) to get together in public settings, but also requires that mentors facilitate one-on-one events with their Littles twice a month for 3-4 hours each, depending on the organization’s jurisdiction.
These events could include going bowling, going to the movies, even going to the mentor’s home for cooking or crafting activities. With these one-on-one meetings of course come risks, not only to the mentors but to the BBBS organization itself, which employs match specialists in addition to other important employees that provide direction to the mentors as well as the youth’s families.
One example of a risk faced through this program is this scenario; imagine a Big takes his Little to an amusement park. He lets him go on a thrill ride, not knowing that the child had a previous back injury that will be aggravated by the ride. While the parent may be quick to blame the mentor, this could be a case of the BBBS match specialist or employee failing to inform the mentor about the child’s health condition. Therefore, this would be a Professional Liability, or Errors and Omissions, claim against the BBBS organization.
The above scenario is just one way your BBBS client can face insurance risks. They are also just as susceptible to claims of Physical and Sexual Abuse, Employment Practices, Property Insurance, and Business Interruption claims, among other legal claims.
At Care Providers Insurance Services, our staff can assist you in helping the chapters of Big Brothers Big Sisters continue to make a difference in children’s living with an insurance program designed to Transfer and mitigate risks. To learn more about our Big Brothers Big Sisters Insurance Policies, as well as policies for other Non Profit Organizations, please contact us today at (855) 790-7379.