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Non Profit Insurance

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Non Profit Insurance Provided By Our Agency

Given the shoestring budget on which many nonprofits operate, a single large and unexpected expense could lead to financial ruin. So, getting the right insurance to guard against the biggest (or baddest) risks is a wise move for nonprofits (and other businesses).

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General liability

Product Coverage

Directors & Officers liability

Professional liability

Workers’ Compensation Insurance

General liability coverage

Risk Factors

A general liability policy insures your nonprofit organization against classic slip-and-fall scenarios. (It’s sometimes also called a “commercial general liability” or “CGL” policy.)

Solution

Your nonprofit will be covered for damages that it’s ordered to pay to someone (such as a visitor, customer, supplier, or associate) who is injured on the organization’s property.

Product liability coverage

Risk Factors

Suppose your non-profit sells products to the public — for example. In that case, you raise funds by selling baked goods, or your artist-clients create and sell sculptures out of recycled products, consider buying product liability insurance.

Solution

It will protect your organization from lawsuits by customers claiming they were hurt by an unsafe or defective product you provided. For example, if a customer breaks a tooth on a walnut shell baked into your cookie or slices a hand on a sharp-edged sculpture, this insurance will cover the legal defense and a sizable portion of the damages.

Directors & Officers liability coverage

Risk Factors

Your non-profit’s board of directors and officers (many of whom are volunteers) could be personally named in a lawsuit against your nonprofit alleging fraud or financial mismanagement.

Solution

You’d want directors and officers (D&O) insurance to cover the cost of defending the directors and officers and pay any resulting money damages.

Professional liability coverage

Risk Factors

Similar to D&O coverage, professional liability coverage (also sometimes called “errors and omissions” or “malpractice” insurance) protect against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment.

Solution

It can help cover not only directors and officers but also staff, volunteers, and the non-profit organization itself.

Workers’ Compensation insurance coverage

Risk Factors

General liability will not provide coverage for injuries to employees. These coverages are important because they address injuries to your human assets – your employees and your volunteer workforce.

Solution

Workers’ compensation pays medical expenses, disability, and death benefits for injured workers. Volunteer accident insurance pays for minor injuries to volunteers who are donating their time and expertise to your cause.

Insurance for Non-profit Organizations

Nonprofit organizations and their leaders juggle enormous and varied responsibilities each day – from managing tight budgets to engaging volunteers and donors to fulfilling the organization’s mission. Since so many nonprofits are singularly focused on a particular cause, organizations often neglect to identify and protect against risks that could leave the organization and its board members and officers exposed.

Just as any business or organization has risks associated with employees, board members, data or fraud nonprofit organizations of all sizes are not immune. Claims and threats of litigation can be from vendors, donors, competitors, employees and even government regulators. In fact nonprofit organizations file twice as many D&O claims as public and private companies*, 85% of claims filed are employment-related* and every nonprofit organization is at risk of a data breach as they keep and maintain donor financial files, employee records, client data, and even volunteer data.

Who needs Non Profit Insurance?

Nonprofit organizations are mostly like any other organizations, with one major difference: They don’t turn a profit. This type of organization has been granted tax-exempt status by the IRS, which requires them to have a unique form of coverage. The following are common examples of nonprofit organizations that require special coverage:

Federal credit unions
Charitable organizations
Scientific organizations
Amateur sports associations
Public safety testing organizations
Religious organizations (e.g., churches)
Social welfare groups
Politically motivated groups
Rotary clubs
Volunteer fire stations
Labor unions
Agricultural unions
Social and recreational clubs (e.g., country clubs)

This is not an inclusive list of non-profit organizations.

What type of insurance coverage do Non Profit Insurance offer?

The type of insurance required by a nonprofit will depend on the individual organization. A nonprofit organization may need the following coverage:

Commercial property insurance
Commercial general liability insurance
Professional liability insurance
Product liability insurance
Director & officer’s liability insurance
Event liability insurance
Business interruption insurance
Crime insurance
Cyber insurance
Commercial vehicle insurance
Group benefits coverage (including medical, dental, vision, life, disability and critical illness insurance)

Our team can help you understand the unique risks and needs of your nonprofit organizations and help find the right combination of coverage your non-profit may need.

What affects the cost of Non Profit Insurance?

The following factors can affect the cost of nonprofit insurance:

Size of the organization
What your nonprofit does
Where you operate
Premises location (determines claim rate, crime rate, proximity to risks like rivers, nearest fire station and hydrant, and more)
The cost of repairing or replacing the premises, equipment, furniture, materials, and inventory
Premises age, type, building material, roofing, and electrical, heating, and plumbing systems
Damage mitigation or prevention measures like security alarms and sump pumps
Insurance history
Insurance options, including coverage, deductibles, and policy limits

We can help you review your nonprofit insurance policy to answer any remaining questions about your coverage. We’ll also be able to help you figure out whether you’ve got enough coverage, or if you should purchase more.

Already have Non Profit Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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