Most Non-Profits and Social Services begin to fulfill a need to those they have a deep connection to. As passion being the vehicle to see such change.

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Such organizations are the bridges that provide communities access to resources. They break social, economic, educational, and financial barriers that can change the trajectory of those they serve.

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Whether your organization provides dinners at a local senior center, host community health fairs or train individuals to re-enter the workforce. No organizations are the same and that is why it is important that the insurance policy reflect your unique needs with the ability to grow.

 

Our experience and knowledge with various Non-Profits have proven our agency to be a servant leader in providing equitable insurance coverages.

 

Coverages we provide:

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Comprehensive General Liability –

This covers you if someone comes into your property/space and slips and falls.

• Limits to $1M per occurrence/$3M aggregate (Higher limits available upon request)

• Blanket additional insured for funding sources and landlords

• Abuse and Molestation coverage – Limits up to $1M (This will satisfy State, Local, School Board’s and Regional Center’s contract requirements.

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Property-  

If you own the property or in a triple net lease, you as the insured are responsible to have the building adequately insured.

• Separate and Blanket Limits (multiple locations included)

• Building valued at  replacement Cost or ACV

• Special Causes of Loss coverage on buildings, contents, loss of income, and extra expense

• Business Contents can include storage of in-kind donations.

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Professional Liability - 

Employed, contracted, or volunteer Physicians, Dentists and Mental Health Therapist.

• Limits up to $1M

• Covers students in training (Job Training and rehabilitation programs)

 

Directors & Officers Liability (D&O) -  

Covers the directors and officers of the company against lawsuits alleging a breach of fiduciary duties.

• As your organization grows and begin receiving large donations, possibly from corporate and charitable foundations. Most will require specific funding obligations. If your organization, uses funds for personal gain and contract requirements are not met. This can lead to a severe loss to the organization and the personal assets of the board of directors are at risk.

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Workers Compensation –

State Limits Requirements

• Benefits to employees who suffer work-related injuries or illnesses. Specifically, this insurance helps pay for medical care, wages from lost work time and more.

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Automobile –

Coverage for vehicles owned by the organization such as Food Delivery Vehicles, Trucks to Pick up large Physical Donations, Vans for transporting individuals and more.

• Combined Single Limits up $1M

• Split Limits PD/BI

• Owned/non-owned/hired auto available.

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Cyber Liability -

If you receive your donations via an online payment portal or utilize an online volunteer registration. This means your organization has access to Personal Identity Information (PII). If sensitive information is exposed or breached. This coverage will help restore those who are affected, recover compromised data, provide costs for repairing damaged computer systems and more.

 

Risk Management Services – Provided By our Agency and Carrier Partners

• Abuse Training

• Site Visits

• Background Check Resources

• Employee Handbook Review

• Online driver safety programs

 

We would like to get to know your needs and help protect your cause. Let’s schedule a consultation!