7 Steps to Buying Non-Profit Insurance

Posted by Elizabeth Wightman on Wed, May 04, 2016 @ 09:00 AM

7_STEPS_TO_BUYING_NON-PROFIT_INSURANCE.jpgWe often talk to non-profits who don’t have experience buying insurance. They aren’t sure what they need or how to go about finding the right resources. Even after figuring out what they’ll require, the question of how to go about purchasing the appropriate insurance is the next hurdle to overcome.

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Topics: Non-Profit Insurance

Controlling the Use of Non-Owned Autos for your Non-Profit

Posted by Phil Wightman on Mon, May 02, 2016 @ 09:00 AM

Virtually every non-profit has some non-owned auto use exposure; privately owned autos are often used by volunteers or employees to run “errands” or some other organization business. This non-owned auto use creates a significant risk to the organization and is perhaps the most likely claim a non-profit will ever have. It is critical that organizations not only control what types of driving are assigned but also closely vet the volunteer and employee drivers assigned these driving tasks.

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Topics: Non-Owned Autos

Vendors & Independent Contractors Insurance for Non-Profits

Posted by Elizabeth Wightman on Fri, Apr 29, 2016 @ 09:00 AM

You may have read a bit about the important differences between independent contractors and employees. Or maybe you’ve read up on independent contractors and vendors, and how they affect your insurance. Regardless, the primary message is that non-profit organizations need to understand how independent contractors and vendors fit into their operations and the insurance implications.

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Topics: Non-Profit Insurance

5 Benefits of Partnering with Specialized Non-Profit Insurance Brokers

Posted by Phil Wightman on Wed, Apr 27, 2016 @ 09:00 AM

Buying insurance is an important responsibility for non-profits. It can help protect your organization, your property, your staff members, and your volunteers from risks and liabilities. Unfortunately, insurance can be complex, and it’s not always easy to fully understand exactly what you need, what coverage are out there, how to go about finding the right insurance, and how to purchase the right coverage for your needs. Partnering with a specialized non-profit insurance broker for your insurance needs can be very beneficial. Just consider these five advantages of doing so.

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Topics: Non-Profit Insurance

What Is Cyber Liability Insurance?

Posted by Phil Wightman on Mon, Apr 25, 2016 @ 09:00 AM

In this digital world, there’s no doubt that you use technology in some way to run your non-profit or social services organization. Maybe you use it to process payroll, to pay bills, to keep donor or volunteer contact information, or for marketing purposes. You likely store some sensitive data online.

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Topics: Cyber Liability Insurance

Why You need Both D&O and General Liability for Your Non-Profit

Posted by Elizabeth Wightman on Fri, Apr 22, 2016 @ 09:00 AM

There is a lot of confusion about the need for various types of non-profit insurance and how the coverage relates to volunteer protection laws. It’s confusing—especially when you take into account both federal and individual state laws. So, let’s delve in to what actually relates to your non-profit and those who serve your organization.

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Topics: Directors & Officers Insurance, General Liability Insurance

What Is General Liability Insurance?

Posted by Elizabeth Wightman on Wed, Apr 20, 2016 @ 09:00 AM

Nothing is more confusing than an insurance policy with all of its perplexing legal terminology; even after reading your policy you might not understand what is covered and how. Continue reading to find out about the most basic insurance coverage, general liability insurance. We’ll help clarify what you should have in your policy, why you need it, and what is normally included as part of the policy. By the end you should have a much clearer understanding of general liability insurance.

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Topics: General Liability Insurance

What You Need to Know about Insurance for Non-Profits

Posted by Elizabeth Wightman on Mon, Apr 18, 2016 @ 09:00 AM

You probably already know that you should insure your non-profit or social services organization. After all, bad things happen all of the time, and you’re not immune to them even though you offer important services to your community.

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Topics: Insurance for Non-Profits

The Truth about D&O and Employment Practices Coverage for Non-Profits

Posted by Phil Wightman on Fri, Apr 15, 2016 @ 09:00 AM

Most non-profit directors and officers (D&O) insurance policies are comprised of two parts: D&O coverage and employment practices coverage. Nationwide more than 90% of all claims against non-profit directors and officers policies are employment practices claims. It is important to note that most non-profit employment practices coverage extends to volunteers, not just employees. Some companies still issue D&O policies without employment practices coverage to organizations that are volunteer only. This is a huge mistake! Here’s why.

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Topics: Directors and Officers

9 Vital Reasons your Non-Profit Needs Directors & Officers Insurance

Posted by Elizabeth Wightman on Wed, Apr 13, 2016 @ 09:00 AM

You might be asking yourself: why non-profit directors & officers insurance? You’re not alone—it’s a question that comes up fairly often. It’s a complicated issue but the bottom line is that it’s a key element in protecting your board members and your organization. Consider the following essential reasons to buy and maintain directors and officers liability coverage and you’ll wonder how you ever did without.

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Topics: Directors & Officers Insurance