{"id":258,"date":"2017-05-22T16:50:24","date_gmt":"2017-05-22T16:50:24","guid":{"rendered":"http:\/\/www.insurancebee.com\/blog\/?p=258"},"modified":"2023-02-08T10:04:45","modified_gmt":"2023-02-08T10:04:45","slug":"insurance-non-profit-organization-needs","status":"publish","type":"post","link":"https:\/\/www.insurancebee.com\/blog\/insurance-non-profit-organization-needs","title":{"rendered":"Types of insurance a non-profit organization needs"},"content":{"rendered":"

\"types<\/p>\n

Lawsuits: the non-profit\u2019s worst enemy<\/b><\/h3>\n

When you consider the limited budgets  non-profit organizations run on, it\u2019s not surprising that a single lawsuit could have a devastating impact on that organization; if not shutting them down, then seriously damaging their reputation.<\/p>\n

However, there’s a way to help prevent this from happening: the right insurance.<\/p>\n

If you\u2019re associated with a non-profit organization, here\u2019s a brief outline of a few different types of insurance which could help protect your organization from potentially crippling lawsuits.<\/p>\n

Insurance essentials <\/b><\/h2>\n

General liability insurance<\/a> provides basic liability coverage and should be bought by every organization. This is what\u2019s known as \u201cslip and fall\u201d insurance. This means that if someone is hurt on your premises, or their property gets damaged, you are covered if they claim against you.<\/p>\n

Unsurprisingly, these types of mishap often happen more frequently when alcohol\u2019s around, so if you ever hold special events or fundraisers it\u2019s definitely worth checking what your general liability covers, and potentially buying liquor liability if it falls short.<\/p>\n

Insurance for your property <\/b><\/h2>\n

If your organization has its own headquarters (either owned or rented), consider the effect on the organization if the property were to be damaged or destroyed. Assess the risks of fire, earthquake, flood, vandalism or theft and make sure you\u2019re covered against those which are appropriate. Make sure your property insurance covers fixtures; the loss of furniture, computers or sports equipment would be pricey to replace and damaging to your operation.<\/p>\n

Insurance for your people <\/b><\/h2>\n

Just like a private company, if you have any employees you need to buy worker\u2019s compensation.<\/a> This type of insurance pays out benefits to workers who have suffered work-related illnesses and injuries.<\/p>\n

If you don\u2019t have it and an employee becomes sick or is injured, you could be sued. Many insurers also offer packages specializing in coverage for volunteers so if you often use unpaid workers, it would also be worth looking into this.<\/p>\n

Insurance for your board members <\/b><\/h2>\n

Should we buy directors\u2019 and officers\u2019 insurance? It’s a question often asked by non-profit organizations.<\/p>\n

Board members of any non-profit organization can be found personally liable for any mishaps which occur while they\u2019re acting in an official capacity.  If the organization can\u2019t afford to pay legal fees or damages, the individual will have to cover it themselves.<\/p>\n

If the non-profit organization has directors\u2019 and officers\u2019 insurance<\/a>, this could help cover any costs incurred in defending the board member against these allegations, as well as cover damages or settlements if they were found to be in the wrong.<\/p>\n

Weigh up the risks<\/h2>\n

Most lawsuits claimed against non-profit organizations are for the usual \u201cslip and fall\u201d incidents covered by general liability insuranc<\/a>e.<\/p>\n

Claims against individual board members, on the other hand, are usually only made by employees or volunteers, for things like unfair dismissal, harassment, or discrimination.<\/p>\n

So if your non-profit doesn’t employ anyone, there’s less risk of a claim being made against your board members.<\/p>\n

Ultimately, it\u2019s a matter of discretion: do your other types of insurance cover you against the sorts of claim which are likely to be made against your organization?<\/p>\n

If there are any gaps which you feel could put individual members at risk of liability claims, then directors\u2019 and officers\u2019 insurance<\/a> may be what you need.<\/p>\n

Size up your coverage needs<\/b><\/h2>\n

Larger or more successful organizations that are more likely to face bigger claims ought to consider the potential usefulness of umbrella insurance.<\/p>\n

Umbrella insurance works by sitting on top of your existing coverage, thereby providing you with additional coverage limits.<\/p>\n

As well as this, umbrella insurance usually fills in any holes where your other insurance policies don\u2019t quite overlap, making sure all areas are covered.<\/p>\n

Fewer risks, fewer claims <\/b><\/h2>\n

The main thing to remember is to assess what your needs may be and make sure that your operation is as low risk as possible.<\/p>\n

By identifying areas of risk in your operation, you can stop some potential problems before they develop into lawsuits against board members.<\/p>\n

Once you’ve prevented mishaps and mess-ups as much as you can, choosing the right insurance can help to protect your non-profit organization from those risks which are impossible to predict.<\/p>\n","protected":false},"excerpt":{"rendered":"

Fewer risks, fewer claims. Size up the needs of your non-profit organization to help you find the right type of insurance. Read more…<\/a><\/p>\n","protected":false},"author":16,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[13,26,14,5],"tags":[15,8,16,7],"class_list":["post-258","post","type-post","status-publish","format-standard","hentry","category-directors-and-officers","category-errors-and-omissions","category-non-profit-groups","category-risk-tips","tag-directors-and-officers-insurance","tag-general-liability-insurance","tag-non-profit-organization","tag-professional-liability-insurance"],"yoast_head":"\r\nTypes of insurance a non-profit organization needs - InsuranceBee Blog<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.insurancebee.com\/blog\/insurance-non-profit-organization-needs\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Types of insurance a non-profit organization needs - InsuranceBee Blog\" \/>\r\n<meta property=\"og:description\" content=\"Fewer risks, fewer claims. 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