Non-Profit Organizations do important work all over the world but, just like any business, they need proper risk management strategies including a tailored insurance policy that provides essential and useful coverages. Let us help you find the right Non-Profit insurance program for your needs at a great rate.
Non-Profit Organization Insurance Policies Include:
General Liability
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.
Workers' Compensation Insurance
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.
Commercial Vehicle Insurance
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.
Commercial Property Insurance
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.
Inland Marine
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.
Umbrella Insurance
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.
Professional
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.
Pollution
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.
Cyber Insurance
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
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.
Sexual Abuse and Molestation 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.
Our Partners
At RRM, we believe Non-Profit Organizations do important work. Because of this, we are dedicated to partnering with your organization to identify your unique risk management needs, tailor an insurance policy to meet your needs, and equip you with exciting tools to improve operations.
• Assistance in meeting OSHA hazard requirements.
• Access to a best-practices safety library.
• Resources to build a behavior-based safety program.
• Development of an effective and efficient employee training program.
• Free access to infographics that promote workplace safety.
Our Solutions
With modern day solutions to everyday problems, we offer:
Proof Of Insurance
24/7 digital proofs of insurance through our online portal. `
Risk Management Materials
We provide Posters, Brochures and Infographics for the workplace to create a culture of safety.
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Great Support
Unwavering employees, dedicated to helping you find a unique solution to your problem.
Our Beliefs
We believe while 21st digital solutions make workplaces efficient and quick paced; but some projects require a human interaction that cannot be replaced by a digital portal. We pride ourselves on our staunch dedicated staff who are always looking to help your business and create solutions that solve your needs, because we understand that your needs are unique. At RRM we believe your more than just another number in our book, you’re a business partner, one we know we can keep for life.
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