Not consistently. General liability usually covers claims by third parties against volunteers, but injuries to volunteers themselves often fall outside workers' compensation. Ask specifically how volunteers are treated on each [...]
General liability covers physical injury and property damage. Professional liability covers claims that your care, supervision or case decisions caused harm, which is where the substantial claims in this sector [...]
Because board members can be sued personally for governance decisions, and volunteer status is not a defense. Many qualified people will not join a board without it, so it affects [...]
You need hired and non-owned auto at minimum. The organization can be sued for an accident during client transport even when the vehicle is personally owned and personally insured.
Rarely. It's usually an endorsement, frequently sublimited well below your main liability limit, and sometimes excluded entirely. For any organization serving children or vulnerable adults, this is the first thing [...]
It protects board members and officers from legal expenses related to decisions made on behalf of the organization, such as mismanagement of funds or regulatory failures. [...]
It covers third-party property damage, medical bills from accidents, and damage from theft, vandalism, or weather events.
Most states require workers' compensation insurance for businesses with employees to cover workplace injuries.
It covers legal expenses related to claims of negligence or mistakes made while providing services.
You need general liability insurance, a business owner’s policy, and possibly workers’ compensation if you have employees.
