Copeland Insurance

888-291-7593

Non-profit insurance is there for you so you can be there for others.

Ensure the future of your organization with non-profit insurance.

Tailored Insurance for Your Non-Profit

1. Unique Coverage for Your Mission
Every non-profit has its own distinct mission and operations. It’s essential to have an insurance policy that aligns perfectly with your organization’s goals and activities. Whether you focus on community service, healthcare, education, or other sectors, your insurance should be tailored to address the specific risks associated with your non-profit’s operations.

2. Business Protection for Non-Profits
Despite your altruistic mission, running a non-profit involves business elements that require protection. Just like any small business, your organization faces risks such as property damage, liability claims, and more. Non-profit insurance provides coverage that safeguards your operations, ensuring continuity and financial security.

3. Cost-Effective Solutions
Non-profits often benefit from competitive insurance premiums tailored to their unique sector. Insurance providers understand the lower risk profile associated with non-profits focused on social welfare and community service, offering cost-effective solutions that fit within your budget while providing comprehensive coverage.

4. Finding the Right Policy
Navigating the insurance landscape can be complex, but we’re here to help you find the ideal non-profit insurance policy. Our goal is to ensure your organization is protected against unforeseen challenges, allowing you to focus on fulfilling your mission and serving your community. Contact us to explore insurance options that meet the specific needs of your non-profit.

Determining Non-Profit Insurance Needs

Assessing Coverage Requirements for Your Non-Profit

Non-profit organizations come in various sizes and types, each with unique needs that dictate their insurance coverage. When crafting a policy, it’s crucial to consider factors such as interaction with the public, especially vulnerable groups like elderly or disabled individuals. Additionally, transportation services, particularly those involving non-staff passengers, require careful consideration. Moreover, liability risks can arise from the services or advice provided, potentially leading to claims and associated costs.

Non-profit insurance is essential for tax-exempt organizations like volunteer fire departments, unions, religious groups, recreational clubs, charities, and more.

Non-profit insurance may be necessary for tax-exempt organizations like volunteer fire departments, unions, religious groups, recreational clubs, charities, and others.

The cost of insuring your organization can vary based on factors such as your location, the scale of your non-profit, the number of employees and volunteers, and the nature of your organization.

Protecting Your Staff and Directors

When considering insurance, it’s crucial to understand how policies differentiate between your organization and the personal liabilities of its directors. For organizations with staff, evaluating potential risks such as harassment or discrimination claims is essential. Coverages like directors and officers liability, workers’ compensation, and employment practice liability insurance can provide vital protection in these instances.

Secure Non-Profit Insurance Today

Is your non-profit looking for comprehensive insurance coverage to continue its philanthropic mission? Contact us to discuss the specific needs of your organization and explore the range of insurance options available to you.

Commercial Property Insurance

 

Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your organization.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Directors and Officers Insurance

 

Risk Factor

What happens if a board member invests the non-profit's assets unwisely and loses everything? A creditor might sue the non-profit as well as its directors and officers. Non-profit organizations are not immune to lawsuits. It’s possible someone may disagree with the way you run the organization and file suit. Oftentimes, non-profits don't have deep pockets to fight these types of lawsuits, therefore putting the organization at risk.

Solution

Directors and officers liability insurance protects your directors, officers, trustees, employees, volunteers, and the entity from any act or alleged act, error, omission, misstatement, misleading statement, or breach of duty.

Employment Practices Liability Insurance (EPLI)

 

Risk Factor

On average, it's estimated that three out of five businesses will be sued by their employees. Claims can stem from just about anything, such as someone taking a joke the wrong way and being offended. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.

Workers' Compensation

 

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Business Income Insurance

 

Risk Factor

What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as a data breach or cyber attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

General Liability Insurance

Risk Factor

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen that make your non-profit susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Professional Liability

 

Risk Factor

Lawsuits can happen to anyone, and the damages can be hefty whether you win or lose. Even if you’ve done nothing wrong, you’ll need to defend yourself. So regardless of whether a contract requires it, without professional liability coverage, you could be putting your business’ future at risk.

Solution

Similar to directors and officers liability insurance, professional liability coverage protects against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment. It covers not only directors and officers, but also staff, volunteers, and the non-profit organization itself.

Non-profit insurance supports your mission, ensuring you can continue serving others.

Find Your Coverage

We’re here to help you explore your coverage options

Contact Copeland Insurance Agency

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