You help others. We help you with your insurance.
Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We’ll help you design a non-profit insurance policy that covers your organization’s unique needs.
Insurance unique to your non-profit.
No two non-profits are the same, and that’s why you need an insurance policy that’s right for you. A good insurance company will take the time to find out exactly what you do and talk through the options. You’ll also find many insurers not only offer fair premium prices for non-profits but will avoid the dramatic year-on-year premium rises that can wreck your budget.
What coverage does your non-profit need?
Because non-profits vary in size and type, there are many coverage options available to best fit the needs of your organization. Some factors to consider in building a policy are whether or not you deal with members of the public at risk of injury, such as elderly or disabled people. You’ll also need to think about any transport you use, particularly if it’s to carry people who aren’t staff. You might even face claims if people are hurt or face costs because of shortcomings in the help or advice you provide.
Policies for your staff and directors.
It’s also particularly important to check how a non-profit insurance policy distinguishes between the organization itself and the personal liabilities of any directors. Meanwhile, if you employ staff, you’ll also need to look at potential risks such as claims of harassment or discrimination.
To make sure you get the right insurance policy for your non-profit, contact us today.