Insurance Made Simple Blog

Nonowed Auto Exposure & Your Nonprofit Insurance Program

Posted by Phil Wightman on Tue, Jan 26, 2016 @ 09:00 AM

Perhaps the hardest coverage to explain to an insured or prospect is Nonprofit Hired and NonOwned Auto Insurance. The usual client response, when approached on the subject, is “we don’t own any autos”.  My response is always “exactly”. Of course, at that point, I have to explain what the coverage is or does and why it is a crucial part of every nonprofit insurance program.

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Topics: Insurance for Nonprofits

Nonprofit Volunteer Accident Insurance Explained

Posted by Elizabeth Wightman on Thu, Jan 21, 2016 @ 12:47 PM

Almost all nonprofit organizations have volunteers to help support their programs and services.  However, not all organizations include Volunteer Accident coverage as part of their overall nonprofit insurance program.  But what is it and how does it coordinate with other coverages?

We all understand the need for volunteers and value the labor they provide.  We know that volunteers need to be well cared for and kept safe if we want them to continue to donate their time.  But accidents do happen and when they happen it’s important that you can respond quickly and immediately to help your injured volunteer.

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Topics: Insurance for Nonprofits, Volunteer Accident Insurance

Small Claims are Big with your Nonprofit Insurance

Posted by Elizabeth Wightman on Mon, Nov 16, 2015 @ 06:01 PM

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Topics: Insurance for Nonprofits, Liability Insurance, Claims, nonprofit insurance

Nonprofit Insurance 101: Employment Practices Liability

Posted by Elizabeth Wightman on Mon, Oct 19, 2015 @ 05:14 PM

 

 

Your Employees, Volunteers and the third parties you work with all have certain rights under Federal, State, and local laws.  Specifically, they have the right to be treated fairly and equitably.  Your nonprofit could be subject to a claim or lawsuit if someone in your organization violates these protected rights. 

 

 

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Topics: Insurance for Nonprofits, Directors & Officers Liability, EPL

Nonprofit Directors & Officers Insurance Basics

Posted by Elizabeth Wightman on Thu, Sep 03, 2015 @ 02:36 PM

General Information:

All nonprofit corporations are vulnerable to a multitude of Directors and Officers (D&O) exposures from a variety of sources. Nonprofit Directors and Officers Insurance is purchased so that competent professionals can serve as supervisors of nonprofit organizations without fear of personal financial loss. It is also purchased to protect organizational assets and the viability of the organization’s balance sheet.

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Topics: Insurance for Nonprofits, Directors & Officers Liability, EPL

It’s Not My Fault! When fault doesn’t matter for Nonprofit Insurance

Posted by Elizabeth Wightman on Thu, Apr 30, 2015 @ 06:36 PM

If it hasn’t been drummed into you yet in my posts then I will say it again.  In order for your General Liability to respond to a claim or a law suit you have to have done something wrong. That “you” is your organization, its employees, directors, officers, and volunteers. That “something wrong” can be defined as acts of negligence, actions or inactions that cause harm to others or others property or being the faulty party in an accident. 

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Topics: Insurance for Nonprofits, Volunteer Accident Insurance, Workers Comp for Nonprofits

Critical Role Volunteer Accident Insurance plays in your Nonprofit

Posted by Elizabeth Wightman on Wed, Apr 22, 2015 @ 02:56 PM

Volunteers play a vital role in the success of most nonprofit organizations and over 65 million people volunteer for nonprofits each year.  If you depend on volunteers to make your programs successful then it’s vital that these volunteers be taken care of.  One way of taking care of them is to ensure that if they are injured they are well cared for and their medical and other costs are paid.

What is Nonprofit Volunteer Accident Insurance anyway?

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Topics: Volunteer Accident Insurance, nonprofit insurance

Are Additional Insureds putting your Nonprofit Insurance at Risk?

Posted by Elizabeth Wightman on Thu, Apr 02, 2015 @ 07:09 PM

Your organization enters into contracts every day.  It’s a necessary to your mission.  But do you know how these contract affect your Nonprofit Insurance?

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Topics: Insurance for Nonprofits, Certificates of Insurance

One Crash Can Ruin Your Event Liability Insurance

Posted by Elizabeth Wightman on Mon, Mar 30, 2015 @ 03:36 PM

Who’s driving whom at your event and what happens if there's an accident?

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Topics: Event Insurance, Event Safety

Blah! Food Vendors vs. Your Event Liability Insurance

Posted by Elizabeth Wightman on Wed, Mar 25, 2015 @ 04:08 PM

Most festivals have some type of food concessions.  Whether it’s a Music Festival, Art & Wine Festival, Community Gathering Event, or Food Truck Meet -Up where people gather there is usually food.  The question is “How do event producers handle the liability associated with food service?”  And “How does it affect their Event Liability Insurance?”

Last year one of our music festival clients was presented with several food poisoning claims even though they did not prepare, serve or sell the food.  This client produces a 3 day music festival.  Almost all of the attendees camp onsite for the duration of the festival and there are many food vendors onsite to feed all of these people.

Last year the temperatures at the festival were unusually hot. The food vendors had a difficult time with refrigeration but more ice was brought in by the festival producer to help.  Unfortunately, the coffee vendor did not create a way to keep the self-serve milk and ½ & ½ cold and it developed bacteria.  A lot of the people who purchased coffee and added the tainted milk and ½ & ½ became very sick.

Not only did these folks miss a lot of the music 

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Topics: Event Insurance, Certificates of Insurance, Event Safety

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