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Non-Profit Insurance

You help others. We help you with your insurance.

 

Non-profit insurance for your business needs.

Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to help protect itself against the risks that small business owners face. We’ll help you design a non-profit insurance policy that covers your organization’s unique needs.

Insurance unique to your non-profit.

No two non-profits are the same, and that’s why you need an insurance policy that’s right for you. A good insurance company will take the time to find out exactly what you do and talk through the options. You’ll also find many insurers not only offer fair premium prices for non-profits but will avoid the dramatic year-on-year premium rises that can wreck your budget.

 

INTERACTIVE GRAPHIC

Click it. Read it. Cover it.

What coverage does your non-profit need?

Because non-profits vary in size and type, there are many coverage options available to best fit the needs of your organization. Some factors to consider in building a policy are whether or not you deal with members of the public at risk of injury, such as elderly or disabled people. You’ll also need to think about any transport you use, particularly if it’s to carry people who aren’t staff. You might even face claims if people are hurt or face costs because of shortcomings in the help or advice you provide.

Policies for your staff and directors.

It’s also particularly important to check how a non-profit insurance policy distinguishes between the organization itself and the personal liabilities of any directors. Meanwhile, if you employ staff, you’ll also need to look at potential risks such as claims of harassment or discrimination.

To make sure you get the right insurance policy for your non-profit, contact us today.

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As an independent agency, we are here to help you find the right Non-Profit Insurance coverage.

Non-Profit Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

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Professional Liability

Risk Factor

All child care centers and schools are at risk for professional liability claims to be brought against them for negligence.

Solution

Professional liability protects your teachers and child care employees. If your staff is sued due to negligence in relation to a child’s safety or for making an error in judgement, your center can also be sued.

Commercial Property

Risk Factor

Your business property is a significant financial investment. What if something happens to it?

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Directors and Officers Liability Insurance (D&O)

Risk Factor

Directors and officers (such as board members) are exposed to increased risk factors and are held accountable for acts that claim negligence in the performance of their duties. Any resulting lawsuits are typically expensive to defend, resulting in potentially large settlements.

Solution

Obtain comprehensive coverage to protect senior individuals of your company. Directors and officers liability insurance provides coverage for the legal costs to defend a covered lawsuit and provides the money necessary for any settlement beyond the defense costs.

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it’s estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers, and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.

Business Income

Risk Factor
In the event of a covered cause of loss, most policies include coverage for the income you cannot collect. What happens if one of your key suppliers, such as your food or beverage distributor, is incapable of supplying you with what you need to keep your business running?
Solution
Make sure that your business income insurance includes contingent business income coverage to protect against the loss of potential earnings to your restaurant caused by the inability of a key vendor to provide a component necessary for the completion or execution of your services.

Workers' Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.