Why You Should Partner with a Non-Profit Insurance Broker

Posted by Elizabeth Wightman on Fri, Jun 24, 2016 @ 09:00 AM

Non-profits, like any organization, have certain risks associated with their operation. However, they’re in a uniquely problematic position in that they generally don’t have room in their budgets to cover the unexpected—meaning a single incident can capsize them. 

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Topics: Non-Profits

Why You Need to Prioritize Your Non-Profit’s Insurance Coverage

Posted by Elizabeth Wightman on Wed, Jun 22, 2016 @ 09:00 AM

If you run a non-profit organization, your work life is already busy. You’re constantly trying your best to achieve your goals, attempting to identify and direct resources, trying to get more volunteers, and trying to make a real difference in your community.

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Topics: Insurance Coverage

Why Non-Profits Shouldn’t Buy Insurance from Non Specialists

Posted by Elizabeth Wightman on Mon, Jun 20, 2016 @ 09:00 AM

If you’re looking into insurance coverage for your non-profit organization, you’ve likely already come to at least one big realization: non-profits are very different from other types of organizations, and they require their own breed of diligent legal expertise and financial know-how.  

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Topics: Non-Profits

5 Risk Management Tools for Non-Profits

Posted by Phil Wightman on Fri, Jun 17, 2016 @ 09:00 AM

Non-profits no doubt offer valuable services to their communities. Unfortunately, their good deeds do not make them immune to the risks of managing a business. The same risks apply to non-profits as they do to for-profit organizations. In fact, non-profits and social services organizations may even be at a higher risk of claims and liabilities because they typically do not have the knowledge, personnel, tools, time, or funds required for an effective risk management strategy.

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Topics: Risk Management

What If Your Non-Profit Organization Doesn't Have General Liability?

Posted by Elizabeth Wightman on Wed, Jun 15, 2016 @ 09:00 AM

Non-profit organizations strive to make the world a little better. Whether they work to save orphaned and sick animals, clothe or house the homeless, or provide after-school programs to at-risk communities, these organizations serve a purpose beyond the bottom line.

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Topics: Non-Profit Organization

Your Guide to General Liability Policy Forms for Non-Profits

Posted by Phil Wightman on Mon, Jun 13, 2016 @ 09:00 AM

Insurance policies can be mysterious things to the average individual—so many pages, so many types of coverage, and endless paragraphs of legal jargon. Most people don’t even attempt to read their policies, much less understand them. However, it is important to understand the exclusions in your non-profit's basic coverage policy. When it comes to general liability (and this is true for most coverage forms), the structure and language of the policies are not usually developed by the insurance company but rather the Insurance Services Office, Inc. (ISO).

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Topics: Non-Profits

Avoiding Slip, Trip, and Fall Claims on Your Non-Profit Insurance

Posted by Elizabeth Wightman on Fri, Jun 10, 2016 @ 09:00 AM

Slip, trip and fall claims are probably the easiest type of claims to avoid with a little risk management. Although these claims can be large, most of the time they are small but can be quite frequent. In fact they are the leading cause of general liability insurance claims for non-profit organizations.

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Topics: General Liability Insurance

Why Non-Profit Organizations Need Workers’ Compensation Coverage

Posted by Phil Wightman on Wed, Jun 08, 2016 @ 09:00 AM

Any large unexpected expense could lead to financial ruin for non-profit organizations, given their shoestring budget. Getting the right type of liability insurance can protect against the biggest risks. One of the insurance coverage options that non-profit organizations should consider is workers’ compensation coverage.

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Topics: Workers' Compensation

What If Your Non-Profit Doesn't Have General Liability Insurance?

Posted by Elizabeth Wightman on Mon, Jun 06, 2016 @ 09:00 AM

Non-profit organizations strive to make the world a little better. Whether they work to save orphaned and sick animals, clothe or house the homeless, or provide after-school programs to at-risk communities, these organizations serve a purpose beyond the bottom line.

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Topics: General Liability Insurance

The Importance of Risk Management for Your Non-Profit

Posted by Phil Wightman on Fri, Jun 03, 2016 @ 09:00 AM

It may seem a little odd that an insurance broker would suggest that non-profits employ risk management processes other than buying insurance. But what many brokers fail to tell their clients is that insurance is just one component of an overall risk management plan. As important as insurance is, it can only offer just so much protection. An awareness of overall risk management concepts and implementation of an ongoing risk management can go a long way to protecting your staff and clients and, yes, ultimately reduce your overall insurance costs.

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Topics: Risk Management