Insurance Made Simple Blog

Board Governance & your Directors and Officers Liability

Posted by Elizabeth Wightman on Thu, Jan 22, 2015 @ 06:02 PM

A key part of securing and keeping good nonprofit directors and officers coverage is to ensure that proper board governance is maintained at all times.  This sounds easy but in reality can be difficult.  

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Topics: Directors & Officers Liability

5 Facts About Rented Equipment and Your Event Insurance

Posted by Elizabeth Wightman on Mon, Nov 17, 2014 @ 12:16 PM

Virtually every event or festival requires the rental of some equipment. Generators, lighting, fencing, golf carts and even portable bathrooms. The question that comes up (or more often than not does not come up) is who is responsible for loss or damage to the rented equipment. The answer can commonly be found in the rental contract. However finding the information in the contract may not be all that easy. Understanding the limits of your event insurance may be equally challenging.

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Topics: Festival Insurance, Volunteer Accident Insurance

Client Sexual Abuse: Insurance for Nonprofits Essential Coverage

Posted by Phil Wightman on Mon, Nov 10, 2014 @ 06:52 PM

Sexual abuse is a difficult and uncomfortable topic. Like so many things that are difficult to talk about critical steps to prevent problems are often left un-discussed. But uncomfortable or not Sexual Abuse is a topic that must be addressed by all social service organizations with direct client contact. Improper Sexual Conduct or Sexual Abuse coverage is a critical part of Insurance Coverage for Nonprofits.

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Topics: Insurance for Nonprofits

The Whole Truth about Event Liability Insurance Part 2

Posted by Elizabeth Wightman on Wed, Nov 05, 2014 @ 02:20 PM

A couple of weeks ago I gave you The Whole Truth about Event Liability Insurance Part 1 where I talked about WHO is insured under your General Liability.  Today I want to talk about WHAT is covered under your General Liability. 

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3 Myths about Vendors & your Festival Insurance

Posted by Elizabeth Wightman on Thu, Oct 30, 2014 @ 06:30 PM

If there is one thing that is NOT consistent among festival producers it’s how they handle vendors and their insurance.  Our opinion is that everyone associated with the festival needs to have insurance. But we’re insurance brokers so of course we think that! 

The truth is that if you are producing a festival then you don’t want to take on any risk that you don’t absolutely have to.  The best way to do that it so to make sure that everyone involved is responsible for their own actions and the associated risk or liability. 

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Topics: Festival Insurance, Volunteer Accident Insurance

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: Insurance for Nonprofits, 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: Volunteer Accident Insurance

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, Volunteer Accident Insurance, Event Safety

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, 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, Weather Insurance, Volunteer Accident Insurance

     

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