An injured volunteer or damage to a fundraiser’s venue could result in a lawsuit or even bankruptcy. Shield your organization with policies that protect your volunteers and your hard-won funds.
These policies provide coverage for the most common risks charities face.
General liability insurance covers common third-party risks. Bundle with commercial property insurance for savings in a BOP, or add special event insurance for a fundraiser.
A business owner’s policy bundles general liability and property insurance in one plan. A BOP is often the most cost-effective type of commercial insurance for charities.
Professional liability insurance, also called errors and omissions insurance (E&O), can cover expenses if your charity is sued for a volunteer’s mistake.
D&O protects board members and officers against legal expenses if they are sued for a decision made on behalf of your charity that led to financial loss.
Workers’ compensation insurance is required in almost every state for charitable organizations that have employees. It can cover medical costs for work-related injuries.
If a charitable organization is sued by an employee over harassment, discrimination, wrongful termination, or another violation of employee rights, EPLI can pay legal costs.
From a fire at your office to an injury at your walkathon or 5K race, running a charity involves numerous risks. Charity insurance, including special event insurance for fundraisers, can cover your expenses, allowing you to continue helping the community through your philanthropic work.