Nonprofit Insurance Explained

Independence Day Precautions: This Checklist Can Help

The 4th of July holiday is a nostalgic one for most of us.  I remember churning homemade ice cream with my father and the excited anticipation of the fireworks.  Most of us have similar memories and think the Independence Day holiday as the heart of summer activities.  Many nonprofit organizations host events and fundraisers centered around this important day and need to discuss their nonprofit […]
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How Nonprofit General Liability Affects Hiring Independent Contractors

Most well informed nonprofit owners and managers know they need numerous insurance policies to protect themselves and their organization from a variety of lawsuits and claims. Some of the most common are general liability insurance and workers’ compensation insurance. Yet many fail to realize how these policies inform the decision-making process involved in hiring independent contractors. General […]
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Four Often Unanticipated Reasons People Sue Nonprofits

Nonprofit leaders often invest in insurance as a means to mitigate risk, but this is not quite an accurate assessment. Insurance policies help manage the financial fallout following exposure to certain risks—it does, however, prevent them. Although combing through the numerous scenarios that can affect a charitable association can make nonprofit managers’ heads swim, it is vital to maintaining a […]
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Nonprofits are 17 Times More Likely to be Sued for Sexual Misconduct

I think that we all agree that abusive behavior of any kind is unacceptable in your organization.  But I think we all agree that Sexual Abuse cannot be tolerated under any circumstances.  Regrettably, it’s something that happens all too often in a variety of situations. It’s terrible to have to talk about this but unfortunately, we see a lot of these claims.  It’s important that you understand […]
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Your Nonprofit Board is at Risk!

Recently I had an email conversation with one of my clients about the personal liability their board members take on through their service to the organization.  I thought it might be valuable to share this information with everyone.   We try to simplify the process for our nonprofit clients. But, the simple truth is that there are a lot of vital parts to an effective insurance program.  Done […]
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Avoiding Slip, Trip, and Fall Claims on Your Non-Profit Insurance

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 nonprofit organizations. In order to keep visitors to your nonprofit safe and the avoid claims, it’s important to […]
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What If Your Non-Profit Doesn’t Have General Liability Insurance?

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. Unfortunately, even though your nonprofit strives to do good things in your community, sometimes, accidents happen. And when they […]
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Why You need Both D&O and General Liability for Your Non-Profit

There is a lot of confusion about the need for various types of nonprofit insurance and how the coverage relates to volunteer protection laws. It’s confusing—especially when you take into account both federal and individual state laws. So, let’s delve in to what actually relates to your nonprofit and those who serve your organization. First, it is essential that you purchase both a general […]
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What Is General Liability Insurance?

Nothing is more confusing than an insurance policy with all of its perplexing legal terminology; even after reading your policy you might not understand what is covered and how. Continue reading to find out about the most basic insurance coverage, general liability insurance. We’ll help clarify what you should have in your policy, why you need it, and what is normally included as part of the […]
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