Common questions about Charitable organizations
Answering the most frequently asked questions about Charitable organizations.
Does grant funding create obligations?Gravity Certs2026-08-17T23:36:38-04:00
Grantors frequently require specific coverage and limits. Check the terms before accepting.
Are volunteers covered?Gravity Certs2026-08-17T23:36:37-04:00
General liability usually covers claims against them; their own injuries typically aren’t covered by workers’ comp.
Are our fundraising events covered?Gravity Certs2026-08-17T23:36:36-04:00
Not always, particularly off-site or alcohol-serving events. Special events cover fills the gap.
What’s our most likely insurance loss?Gravity Certs2026-08-17T23:36:35-04:00
Employee dishonesty. Small teams handling donated funds with limited controls is the classic pattern.
Why do we need directors and officers coverage?Gravity Certs2026-08-17T23:36:34-04:00
Board members can be sued personally. Volunteer status is not a defense, and many won’t serve without it.
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