Lamb is dedicated exclusively to nonprofits and human service organizations. We provide property, casualty, and risk management solutions to organizations of any size and budget. Your protection is our mission.

Property

  • Damage to buildings owned, leased, vacant or under construction
  • Damage or theft of business personal property
  • Loss of business income resulting from the above
  • Theft of your money and securities
  • Theft of your clients’ property
  • U.S.A and world-wide

Liability

Defense of and Damages for Your Actual or Alleged

  • Director’s and Officer’s liability
  • General Liability
  • Professional liability
  • Medical malpractice
  • Educators’ errors & omissions
  • Student injuries
  • Employment practices liability
  • Cyber or privacy liability
  • U.S.A and world-wide
  • Wrongful acts of your directors and officers resulting in financial damages
  • Errors and omissions in the management of your ERISA, health and welfare plans
  • General negligence for bodily injury, property damage, and personal injury arising out of organization’s operations
  • General negligence occurring when building or renovating a new location
  • Sexual abuse and molestation liability
  • Special events liability, including liquor liability

Cyber Liability

Coverages Available

THIRD-PARTY COVERAGES

FIRST-PARTY COVERAGES

  • Network Security and Privacy
  • Regulatory Investigations, Fines and Penalties
  • Media Liability
  • PCI DSS Assessment Expenses
  • Breach Management Expenses
  • Business Interruption
  • Contingent Business Interruption
  • Digital Asset Destruction, Data Retrieval and System Restoration
  • System Failure
  • Social Engineering & Cyber Crime
  • Reputational Loss
  • Cyber Extortion and Ransomware
  • Breach Response and Remediation Expenses
  • Court Attendance Costs

Workers' Compensation

  • Medical bills, wage indemnity, rehabilitation and disability benefits as required by workers compensation statutes
  • Defense and damages for your actual or alleged negligence for employee injuries
  • Coverage for the medical bills when a volunteer is injured while in your care, custody, or control.
  • State-required disability benefits

Risk Management

  • Fleet management review – LENS, GPS, defensive driver training, maintenance checklist
  • Return to work programs
  • Claim Reviews
  • SCIP training, lifting and driver safety in conjunction with your insurance carrier
  • OSHA reporting and recordkeeping
  • Accident investigation training
  • Compliance audits
  • Risk identification and assessment
  • Training on topics such as timely reporting of claims, sexual harassment, safety culture, post injury management, proper lifting
  • Contract reviews – insurance requirements, additional insured requirements, indemnification agreements
  • NY code rule 59 and 60 accreditation and implementation – resulting in safer work environments and significant workers compensation insurance credits
  • Procedure and policy review and development
  • Business continuity planning
  • Medical retention programs

Service to Rely On

BEST PRACTICES

  • 24-hour claim reporting and 48-hour receipt of claim number
  • 24-hour maximum response time to certificate, auto identification cards or any other type of request or inquiry
  • Claim triage, tracking, and advocacy – tracking adverse development and resolution
  • Claim reserve reductions on larger claims
  • Medical bill review
  • Periodic review and analysis of all open claims – trending, causation, lag time, reserve reductions
  • Workers compensation experience modification analysis
  • Defense counsel assignment