Insurance Made Simple Blog

Non Profit Risk Management in 2018

Many nonprofits inadvertently overlook the risks that threaten their volunteers, workers, and organization as a whole. This is not to say nonprofits need be more vigilant than for-profit organizations; but rather that it's crucial to prepare for the risks unique to their field of work.
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11 Kinds of Insurance Coverage for Non-Profits

As their name suggests, nonprofit organizations don’t churn out much of a… well, profit. Instead they selflessly devote their time and money to causes that can better their community. The unfortunate reality of this is that an unexpected incident or incrimination can single-handedly devastate their future operation. These are 11 types of insurance coverage for nonprofits that might just save […]
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What You Need to Know about Insurance for Non-Profits

You probably already know that you should insure your nonprofit 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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Nonprofit Volunteer Accident Insurance Explained

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 […]
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Nonprofit Insurance 101: Employment Practices Liability

    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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Nonprofit Directors & Officers Insurance Basics

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

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 […]
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Are Additional Insureds putting your Nonprofit Insurance at Risk?

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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Website Content and Insurance for Nonprofits

One of the problems we run into when attempting to acquire Insurance for Nonprofits is the inaccurate or superfluous information built into the web sites of nonprofit organizations. Insurance company underwriters pay very close attention to web sites and will decline to quote coverage for a prospective client solely on the basis of web site content.
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