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

Directors 和 军官 liability insurance protects your directors, 军官, 受托人, 员工, 志愿者, the entity from any act or alleged act, 错误, 遗漏, 错报, 误导性陈述, 或者违反义务.

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, more.

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

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

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

当火灾发生时, 盗窃, or another type of disaster strikes, your commercial property 和 everything within it can suffer a significant loss. This can have a detrimental effect on your organization.

Commercial property insurance can 帮助 protect the property your business owns 和 leases, including things like equipment, 库存, 家具, 及设施. 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.

On average, it's estimated that three out of five businesses will be sued by their 员工. Claims can stem from just about anything, such as someone taking a joke the wrong way 和 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.

The right coverage is critical to your risk management process as it protects against discrimination, 错误的终止, 性骚扰, other employment-related allegations.

What would you do if an email virus impacted the operation of your database 和 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 和 other events can destroy your ability to serve clients 和 bring in revenue, which can have a major long-term impact on the viability of your business.

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, 像电, that continue even though business activities have come to a temporary halt.

Lawsuits can happen to anyone, 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.

Similar to directors 和 军官 liability insurance, professional liability coverage protects against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or 性骚扰. It covers not only directors 和 军官, 还有员工, 志愿者, the non-profit organization itself.