Non-profits are built on good intentions—which is why you might assume non-profit insurance isn’t necessary. This is definitely not the case. As with any other business, stakeholders in non-profit organizations and charities must expect the unexpected and be covered for anything they stand to lose. This includes Directors and Officers on the Board who could personally be named in lawsuits against their organizations.
General liability for non-profit organizations is a critical aspect of your non-profit insurance policy. This protects you in the event of slip-and-fall scenarios and other calamities. For example, if a visitors, customer, supplier or anyone associated with your operation gets hurt on your premises, you’ll be covered. With the possibility of fires, vandalism or storms damaging your offices, property insurance should also be considered. If you operate a non-profit business out of your home, you’ll want to adjust your homeowners’ or renters’ insurance policy as your existing policy likely excludes business-related claims.
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