General Liability insurance provides protection to your business assets against claims involving third-party property damage, third-party bodily injuries, libel, slander, personal injuries, advertising mistakes, and other related risks. The insurance will cover the defense costs, court costs, litigation, and judgments awarded by courts.
Commercial Property insurance will cover the cost of building repairs regardless of whether the property is owned or rented, and the cost of the repairs or replacement of the property in and around the building when a covered disaster happens. The covered disaster can be fire, flood, theft, storm, and most natural disasters.
You'll need insurance when you rent a vehicle or use your employee's vehicle to run business errands. Hired & Non-Owned Auto insurance covers property damage and bodily injury caused by the vehicle you hire or caused by the vehicles owned by your employees.
Establishments in this industry provide promotional services for different purposes including social advocacy for various causes (firearms, peace, substance abuse), human rights organizations, environmental and wildlife organizations supporting animal rights and wildlife preservation and civic organizations such as alumni associations and parent-teacher organizations.
Non-profits need insurance as it protects your organization from the many unforeseen incidents that it could face. If, for example, your organization is faced with a liability claim, when you have insurance it will cover the defense costs, court costs, and other related expenses. Without insurance, you'll risk paying these expenses out of pocket.
There are many risks non-profits can face. Below are some examples:
A client entering your office slips in a puddle of water which causes the client to suffer injuries. You'll not only be responsible for the medical payments but also for hiring a defense attorney should the client decide to file a slip and fall claim against your business.
Your employee gets involved in an accident while running errands for you. You later find out that your employee did not use the company-acquired vehicle but instead used their own car and that car got involved in the accident.
An employee files charges against your officers because of improper termination.
The cost of insurance for non-profits depends on several factors. Most of the time, the cost of your insurance relies on the services you offer, the number of employees you have, and the coverage required. If you want to know the cost of your insurance policies, simply apply online and get a free quote or talk to our insurance experts directly.
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