Nonprofit Insurance Explained

Are You Doing Enough to Protect Your Volunteers?

People who volunteer often do so because they receive an emotional or practical benefit. While volunteers play a critical role in the operation of many nonprofit organizations, they do pose unique risks. As the shortage of reliable volunteers grows, nonprofits need to consider the risks their unpaid staff pose as part of their overall risk management strategy. The following are several risks that […]
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The Basics of Volunteer Accident Insurance

Organizations that rely on volunteers need smart ways to manage the accident risks of their activities. Volunteers are a vital part of your nonprofit organization—without their dedication and service, you most likely could not operate. Volunteers are at risk of injury while they are traveling to and from various events and meetings. Volunteer accident insurance provides a limited amount of […]
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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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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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Critical Role Volunteer Accident Insurance plays in your Nonprofit

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 […]
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Are Volunteers Putting your Nonprofit in Jeopardy?

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. Consider this: Volunteers are often the face of your organization – is it the right face? Volunteers often begin to view themselves as […]
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Volunteer Protection and Your Nonprofit Insurance

Many, many nonprofit organizations rely on their volunteers to support their mission and services.  When we discuss nonprofit insurance with our clients the question often comes up about how to take care of and protect their volunteers. The first answer to this question is another question, “What risks are your volunteers taking?”.  Volunteers can do things as simple as help out in the office of […]
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Facts & Myths about Volunteer Drivers and Your Nonprofit Insurance

There are many, many misconceptions about how volunteer drivers using their own vehicles are covered on nonprofit insurance policies.  What we mostly see is that nonprofits adopt a “hope and a prayer” attitude about volunteer drivers.  That is to say they simply hope and pray that they are covered because they usually don’t understand how the coverage works and their broker hasn’t taken the time […]
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Non Profit Insurance and the Volunteer Protection Act

We get a lot of questions from Nonprofits about whether or not they need nonprofit insurance and specifically Directors & Officers Insurance.  Many believe they don’t need it because they are protected by the Volunteer Protection Act either at the Federal or State level. Nearly every state in the country has in place a statue that affords some protection to volunteers serving nonprofit […]
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