Programs and volunteers
Check insured persons, supervised activities, off-site programs and transport arrangements.
Nonprofits
Nonprofit Insurance.
Nonprofit insurance should follow your programs, participants and volunteers while addressing the decisions and responsibilities of the board.
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What we look at.
Board and employment
Review directors and officers liability alongside employment claims and the organization's governance structure.
Safeguarding
Examine abuse coverage, exclusions and reporting terms alongside participant screening and supervision practices.
General Liability
Review bodily injury, property damage, products or completed operations, and required additional insured endorsements.
Directors and Officers
Management-related claims against insured individuals or organizations. Review entity coverage, exclusions and transaction provisions.
Employment Practices Liability
Employment-related claims such as discrimination or wrongful termination. Review defense, retention and wage-and-hour restrictions.
Abuse and Molestation
Review the defined coverage, insured persons, exclusions and limits alongside safeguarding and reporting procedures.
Property
Building, improvements, equipment and stock. Compare valuation, covered causes, deductibles and relevant sublimits.
Workers Comp
Review payroll, classifications, work locations and employer's liability. Statutory requirements vary by state and circumstances.
Hired and Non-Owned Auto
Business liability arising from rented or employee-owned vehicles, subject to the insured use and policy terms.
Cyber Liability
Incident response, liability and selected first-party losses. Review security conditions, business interruption and fraud provisions.
Questions & answers
Good questions to ask.
Are volunteers automatically insured?
Do not assume every volunteer or activity is covered. Check the insured-person definition, authorized duties and exclusions. Liability for harm caused by a volunteer and accidental injury to the volunteer are different coverage questions.
Why review directors and officers insurance for a nonprofit?
Board decisions can lead to allegations involving governance or management. Review D&O coverage for the organization and individuals, including defense costs, exclusions and its relationship with employment practices coverage.
Does general liability include abuse and molestation claims?
Do not assume it does. Review the specific abuse coverage or exclusion, insured persons, limits and reporting requirements. The insurance review should reflect the people served and the organization's safeguarding procedures.
Should we review insurance before a new event or program?
Yes. Describe the venue, participants, volunteers, outside vendors, transport and any alcohol service. Compare the activity and contract requirements with existing coverage before commitments are finalized.
From our journal
Related articles.
Industry and coverage references
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