Non-Profits

General Liability insurance is essential for every business, including Non-Profit Organizations. Should you be found negligent for a broad spectrum of things that lead to third-party injuries or property damage, General Liability insurance pays for expenses such as medical fees and damages related to the incident, regardless of litigation outcomes.

If you have one or more employees, it is essential that your Non-Profit has Workers’ Compensation Insurance. This insurance protects you as well as your staff. If an employee suffers a workplace injury or illness, this coverage protects you from litigation and pays your employee’s medical fees and lost wages.

Whether your Non-Profit Organization uses a small car for transportation, or large trucks to transport goods, Commercial Vehicle Insurance protects your vehicles of any size. This essential coverage should include insurance for accident-related incidents as well as collision and non-collision damages.

Whatever building or facility you use to operate your Non-Profit Organization should be protected by Commercial Property Insurance. In the event that your commercial property experiences something like a fire, theft, wind, falling objects, or other things that lead to physical losses, this coverage will prevent a total loss. Physical losses include things like office furniture, computers, equipment, supplies, tools, fences, etc.

When your organization transports any kind of goods such as medical supplies and equipment, construction equipment, food, water, books, etc., there is a risk that they could be damaged, destroyed, or lost during transport. Inland Marine insurance covers those goods in transit or in the process of being transported.

Non-Profit Organizations can be dramatically impacted by a major loss that exceeds their primary insurance maximum. For this reason, it is important to have Umbrella Insurance coverage. This insurance pays up to its policy limits when you have exceeded your primary insurance policy limits which prevent your organization from paying out-of-pocket.

Even with the best of intentions and practices, mistakes happen that could leave your Non-Profit Organization exposed to risk. Professional insurance provides important protection in the event of litigation that is derived from accused negligence. In the event that damages are awarded, this insurance covers those damages. Additionally, if legal actions are deemed to be groundless, this insurance may also pay for your defense costs.

If your Non-Profit Organization works with chemicals or other environmentally hazardous materials (including things like lawn care products, gasoline, some cleaning products, construction products, etc.), you need Pollution insurance. This insurance covers you in the event that something like a spill or leak of environmentally hazardous substances leads to pollution and/or injury or death. This coverage also includes brownfield restoration and cleanup if deemed necessary.

Non-Profit Organizations rely on online software and databases to store donor contact and payment information, as well as a multitude of other potentially sensitive information. Cyber Insurance protects your organization in the event that there is litigation stemming from a cyber attack. Cyber-attacks include hacking, extortion, theft, data destruction, and denial of service attacks.

Employment Liability Insurance provides protection for both you and employees in the event that they experience a workplace injury or illness that is not covered by Workers’ Compensation Insurance.  This may be bundled with Workers’ Compensation Insurance for more thorough insurance coverage.

If your Non-Profit Organization works closely with children, it is highly advisable that you have Sexual Abuse and Molestation insurance coverage. In the event of litigation, this insurance mitigates losses and protects you from paying out-of-pocket for related legal fees.