Insurance Made Simple Blog

3 Things You Never Knew about Your Nonprofit Insurance

Posted by Elizabeth Wightman on Tue, Oct 21, 2014 @ 06:51 PM

Let’s face it, insurance is complicated.  As much as we all would like it to be easy it’s just not.  It’s often difficult to know if your nonprofit insurance program has everything you need.  The best cure for that is education.  You don’t have to be an expert.  Just know enough to ask some important questions.

The following are three very common misconceptions that our nonprofit clients have:

Employment Practices Liability is Not Just for Naughty Employees

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Topics: nonprofit insurance, directors & officers liability

The Whole Truth about Event Liability Insurance Part 1

Posted by Elizabeth Wightman on Fri, Oct 17, 2014 @ 06:09 PM

Often it’s seems that buying Event Liability Insurance is at the bottom of an event producers “to do” list.  And, really understanding what they are buying usually doesn’t even make the list at all!

In the rush to buy the coverage at the lowest cost sometimes key elements of the coverage (or lack of coverage) are missed.  It’s important to know exactly who is and is not covered under the policy.  Any individual or entity not covered needs to have their own insurance coverage and provide you proof of that insurance.

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Topics: Events

Simple Safety Planning Ideas and your Event Insurance

Posted by Elizabeth Wightman on Thu, Jul 31, 2014 @ 06:51 PM

It's not enought just to have event insurance.  Risk Management is also a big part of producing a successful event.  However, many producers aren’t sure where to get started in the process.  The truth is that the process can be quite easy or quite difficult depending on the type and size or your event.  However, the best starting point is a simple Event Safety Checklist that you can tailor to your event.

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Topics: festival insurance, event insurance, special event insurance, event safety, event safety checklist

The Dirty Secret of Auto Insurance for Nonprofits

Posted by Elizabeth Wightman on Fri, Jul 25, 2014 @ 11:05 AM

If I had a penny for every nonprofit client who told me they don’t need auto insurance because they don’t own vehicles I would be a rich lady.  The secret is that auto insurance for your organization also applies to cars you DON’T own.

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Topics: insurance for nonprofits, nonprofit insurance, auto insurance for nonprofits

The Truth about Rain Insurance for Outdoor Events

Posted by Elizabeth Wightman on Tue, Jul 22, 2014 @ 07:19 PM

Rain Insurance is one of those things that is very simple but very complicated all at the same time.  Many producers of outdoor events consider purchasing Rain Insurance but then drop (no pun intended!) the idea when they start getting bogged down in the nitty gritty details of the coverage. 

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Topics: festival insurance, event insurance, weather insurance, rain insurance

The Worst Advise I have Ever Heard about Nonprofit Workers Comp

Posted by Elizabeth Wightman on Wed, Jul 16, 2014 @ 06:31 PM

I speak to people all over the country every day about Workers Comp for their Nonprofit Organizations.  It constantly amazes me the amount of bad advice some people get. 

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Topics: insurance for nonprofits, Workers Comp Insurance, workers comp for nonprofits

Are Volunteers Putting your Nonprofit in Jeopardy?

Posted by Phil Wightman on Tue, Nov 05, 2013 @ 04:22 PM

They might be.  For many nonprofit organizations volunteers are the life blood that allows for the fulfillment of the organization’s mission both short and long term. However, we sometimes forget about the risk volunteers can create for your organization.

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Topics: insurance for nonprofits, nonprofit insurance, volunteer insurance, volunteer safety

Little Secrets about Workers Comp for Nonprofits

Posted by Phil Wightman on Tue, Oct 29, 2013 @ 05:22 PM

Workers' Compensation, also known as Workers' Comp, is a state-mandated insurance program that provides compensation to employees who suffer job-related injuries and illnesses. Workers’ Compensation for nonprofits works the same way it does for regular businesses.

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Topics: insurance for nonprofits, nonprofit insurance, Workers Comp Insurance, workers comp for nonprofits

Why Your Nonprofit Needs Directors and Officers Liability Insurance

Posted by Elizabeth Wightman on Tue, Oct 22, 2013 @ 07:00 PM

The primary role of nonprofit Directors and Officers Insurance is to maintain financial stability, provide the necessary resources, direction, and vision to help accomplish the goals and mission of the organization. The unique nature of nonprofit organizations presents Directors and Officers with difficult challenges in performing this role.

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Topics: insurance for nonprofits, D&O Insurance, nonprofit insurance, directors & officers liability, directors insurance

Crash! Auto Coverage and Your Festival Insurance

Posted by Elizabeth Wightman on Thu, Jan 26, 2012 @ 02:13 PM

Virtually all festivals use vehicles in the set up, production and take down of their event.  However, the risks associated with the use of vehicles are sometimes over looked or at least not given the level of importance it needs.  For this reason it is vital that the auto exposure be addressed in your Festival Insurance and Risk Management discussions.

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Topics: festival insurance, event insurance, special event insurance

     

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