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Non-Profit Insurance

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Non-Profit Insurance 101

Learn more about non-profit insurance so you can make an informed decision on your coverage.

Non-Profit
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.

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.

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.

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.

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.

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.

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.

Operating a nonprofit organization is not immune to risks, and without the proper insurance, these entities may find themselves vulnerable to various potential challenges. Nonprofits often deal with volunteers, events, and community engagement, making liability insurance crucial to mitigate the financial impact of accidents or injuries that might occur during activities. Property insurance is essential to protect assets and premises from damage caused by unforeseen events, such as natural disasters or accidents. Additionally, without directors and officers (D&O) insurance, the leadership of a nonprofit could be personally liable for decisions made on behalf of the organization, exposing them to legal and financial consequences. With proper coverage, nonprofits can avoid financial strain, legal complications, and potential damage to their reputation, underscoring the importance of comprehensive insurance tailored to the unique needs of the nonprofit sector.

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About Field & Main Insurance Agency

At Field & Main Insurance Agency, we’re not your typical insurance company. We approach insurance differently by understanding your industry and the stakes involved. Our mission is to provide expert guidance and personal attention to ensure your financial security and quality of life. We’re committed to crafting tailored coverages that meet all your insurance needs and protect you from unforeseen events, making smarter insurance choices a reality for our clients.

Begin with a quote today and take one step closer to safeguarding what matters most to you.

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Evansville, IN | 812-473-8960 | Henderson, KY | 270-827-3543