General Liability
The insurance program provided by the Diocese of Trenton incorporates a blanket limit of General Liability, including Personal and Bodily Injury, that covers all Diocesan Insured entities and applies on a per occurrence basis with a maximum aggregate limit of liability.
Name Insured (Who is Covered)
- The Roman Catholic Diocese of Trenton, its successors or assigns; agencies, subsidiaries, affiliates, institutions, and societies owned by or operated by the Diocese
- Employees and Volunteer workers of the Diocese while acting within the scope of their duties as such
- Additional Insureds – those persons for whom the Diocese has agreed in writing to provide protection. The amount of insurance provided to the additional insured will not exceed the agreed amount or the policy limit, whichever is less
- Appointed or elected trustees, directors, council members, or board members in any parish, cemetery, school and other diocesan or religious trust entity, which is connected, associated or affiliated with the Diocese for any wrongful acts while acting in their assigned capacity.
What is Covered
Bodily injury and property damage arising from:
- General Liability
- Personal Injury Liability
- Directors and Officers, Errors and Omissions, and School Board Liability
- Host and/or Liquor Liability
- Employee Benefits Liability
- Limited Professional Health Care Services Coverage (School Nurses)
- Sexual Misconduct
Commercial general liability coverage insures the Diocese against accidents and injuries that might occur to a third party on its premises. It will insure the Diocese against any third party claims for bodily injury or property damage, medical expenses accruing to the underlying incident, the cost of defending lawsuits including investigations and settlements, and for any payments the Diocese is legally obligated to make. The policy never covers intentional and fraudulent acts.
Directors and Officers Liability
Directors and Officers (D&O) coverage provides a broad range of protection from liability claims and lawsuits against senior management and board members of an organization. This coverage provides protection for the legal defense costs and indemnification for such lawsuits and claims arising out of the action and responsibility of management and board members.
These claims may cover a wide range of allegations or damages, such as insufficient or inadequate guidelines, oversight or supervision relative to hiring practices, financial reporting/principles, contracts, or operational standards.
For more information, please contact the Willis Risk Management Team.
Employment Practices Liability Coverage
The insurance program provided by the Diocese of Trenton incorporates a blanket limit of Employment Practices Liability that covers all Diocesan Insured entities and applies on a per occurrence basis with a maximum aggregate limit of liability.
What is Covered
Damages arising out of Employment Practices including but not limited to:
- Wrongful failure to employ or promote
- Wrongful dismissal, discharge or termination of employment
- Harassment including sexual harassment
- Discrimination
- Retaliation for any lawful act committed by the employee
- Employment Related Misrepresentation to a Potential Employer with respect to a Present or Former employer
- Employment related humiliation, defamation, libel, slander, false light or public disclosure
- Wrongful deprivation of career opportunity, wrongful demotion or negligent employee evaluation
- Wrongful discipline
- Wrongful failure to grant tenure
- Failure to provide or enforce consistent corporate policies and procedures related to all the above