Common questions about Non-Profits
Answering the most frequently asked questions about Non-Profits.
Sometimes, but not always, particularly off-site events or those serving alcohol. Special events coverage fills the gap, and venues will usually require a certificate naming them before they’ll confirm your booking.
Not directly. Crime coverage responds to theft, and directors and officers may respond to mismanagement allegations against the board. Grant compliance failures themselves are generally a contractual matter, not an insured loss.
Workers’ compensation covers employees, and volunteers usually fall outside it. If you have even one paid employee, New York requires it. Volunteer injuries need to be addressed separately, so ask how they’re handled.
Because volunteer status doesn’t prevent a lawsuit. Board members can be sued personally over employment decisions, financial oversight and governance. Most experienced board members ask about it before agreeing to serve.
Employee dishonesty. Small teams with limited financial controls handling donated funds is a well-documented pattern, and crime coverage is the policy that responds. It is frequently the coverage that gets cut first and needed most.
Special event insurance can cover risks associated with fundraising events. It’s important to discuss your event plans with your insurer to determine the best coverage options.
Notify your insurance provider immediately if there are significant changes in your operations. This ensures your coverage remains adequate and up to date.
Assess your organization’s risks and consult with an insurance professional. They can help you evaluate your needs and recommend appropriate coverage limits.
Yes, many insurance policies can extend coverage to include volunteers. It’s essential to discuss this with your insurance provider to ensure adequate protection.
Most states require nonprofits with employees to have workers’ compensation insurance. General liability insurance is also highly recommended to protect against third-party claims.
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