2014
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Resources for Nonprofit / Social Services

3 Ways to Protect Your Nonprofit Organization

As the owner of your own non-profit organization or social services business, you have a lot on your plate. From recruiting...
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4 Costly Nonprofit Business Protection Myths

Non-profits and social service organization know that planning and passion can make or break a startup.
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5 Things to Know before Buying Insurance for Your Non-Profit Organization

Non-profits and social service providers know that business insurance is a necessity for
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Business Insurance for Non-Profit or Social Services Businesses

  • The work you do in the nonprofit or social service industry is truly valued and admirable. Charitable organizations positively impact the lives of many people and communities.
  • An unanticipated event or accident could impose significant negative financial consequences onto your nonprofit or social services firm, which may prevent or limit your operations and your ability to bring in revenue.
  • Let our nonprofit and social services insurance experts outfit your business with appropriate insurance coverage tailored to meet your needs.

Nonprofit / Social Services Businesses Insurance Options

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Nonprofit / Social Services Businesses: Coverage Types

We offer a variety of insurance coverage types specifically designed for nonprofits and social services providers.

General Liability for General Liability for Non-Profits and Social Service Providers

General Liability Insurance protects your business from claims made by third parties for property and personal damages. If a worker or volunteer gets hurt on your property or as a result of your operations, they may file a suit against your business, leading to significant financial losses as a result from the claim. General Liability Insurance is an excellent way to prevent your business from such claims to allow your business to continue to operate.

General Liability Insurance pays for defense costs in the event that these claims lead to litigation. This coverage also includes income you lose during the time you spend in court as well as reimbursement for court-related fees.

The level of risk associated with your business depends on the nature of your operations, but your clients may require that you carry General Liability Insurance, largely because it is one of the most comprehensive packages for your defense in an unfortunate event or accident. Coverage will apply to not only employees and volunteers, but also may include special events and fundraisers.

Contact us now for competitive quotes from top-rated insurance carriers.

Professional Liability Insurance / Errors & Omissions Coverage for Nonprofits and Social Service Providers

Professional Liability Insurance, also known as Errors and Omissions Insurance, will protect you against claims of negligence regarding your operations. If your nonprofit organization or social services company gives advice or counseling services to clients, this coverage will protect your business against any adverse consequences as a result of the information given.

If a suit is brought against you as a result of your operations, your Professional Liability Insurance pays for your legal defense, income lost while you are in court, and other expenses. In the event of a settlement, your coverage will also compensate your client on your behalf. Be sure that you and your nonprofit are protected with our Professional Liability Insurance coverage.

Property Insurance / Business Owner’s Policy (BOP) for Nonprofits and Social Services

Depending on the nature and classified risk of your nonprofit or social services business, you may qualify for a comprehensive package policy, including Property and General Liability coverage, otherwise known as a Business Owner’s Policy or BOP. The BOP package policy includes General Liability Insurance and Property Insurance.

The BOP package can save your company money and provide more comprehensive coverage to meet your needs. Contact us to see if your business qualifies for the BOP or to secure a competitive quote!

Workers’ Compensation Insurance for Nonprofits and Social Services Businesses

In the unfortunate event that one of your employees is injured on the job or suffers a work-related illness, you will need Workers’ Compensation Insurance to cover any medical expenses and lost wages. Depending on the nature of your nonprofit operation, your employees may be at higher risk for injury at work, in which case purchasing Workers’ Compensation coverage is in the best interest of both you and your employees.

In addition to the specific risks faced by your team, some states may have specific guidelines regarding coverage. Be sure to check your laws governing Workers’ Compensation requirements. The nonprofit and social services insurance experts at insureon can answer any questions regarding state Workers’ Compensation coverage laws. Contact us now for a competitive quote!

Directors and Officers Insurance for Nonprofits and Social Services Organizations

A critical component for the success and operation of a nonprofit organization is the executive board. Their actions dictate the direction of the company, and its importance may necessitate coverage in the event of any allegation of misdirection or mismanagement. Directors and Officers Insurance covers the “intentional” actions and errors of certain board members that may negatively affect the operations of the business.

Coverage may also include employment-related actions, including discrimination, harassment, and hiring decisions as well as legal defense for these claims. Although improper management is unfortunate and every organization wants to prevent situations such as this, Directors and Officers Insurance is a safe and effective way to cover the organization for any leadership errors.

Contact us now for competitive quotes from top-rated insurance carriers!

Tips for Nonprofit / Social Services Businesses

  • Research your company’s operations and needs to best determine your insurance needs.
Many nonprofits are unsure about the coverage they need. Among the many factors that determine coverage needs are: risk level of operations, number of employees and volunteers, special upcoming events, and other needs. These factors will dictate potential exposures to risk and appropriate coverage options. In addition to these factors, state requirements may affect a nonprofit’s insurance needs.

  • Keep accurate documents and records for all aspects of the business.
Prompt record keeping and neat organization of finances and operations is vital for the functioning of nonprofits and social services companies. These steps help paint a clearer picture of the status of the nonprofit and can help determine appropriate insurance coverage.

  • The importance of internal controls.
In order to effectively manage risk, board members should consider delegating specific authority for signing checks, depositing checks, opening mail, controlling cash, and authorizing members to activate business transactions. Funds, especially in a nonprofit or social services organization, may be limited, demanding responsible bookkeeping.

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Nonprofit / Social Services Coverage Areas

insureon provides customized insurance coverage for the following nonprofit and social services businesses…

  • Adult Shelters / Transitional Housing
  • Animal Shelter / Kennel
  • Big Brother / Big Sister
  • Churches & Other Houses of Worship
  • Community and Youth Centers
  • Counseling & Referral Services
  • Day Care Centers
  • Food Bank / Soup Kitchens
  • Group Homes
  • Health Care Centers
  • Hospices / Caregivers / Home Companions
  • Senior Activities Center (Non-Medical)
  • Thrift Stores
  • Vocational Workshops

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