Who we can help
A closer look at your exposure.
Charities, community organizations, associations, foundations and other non-profit groups.
Volunteers, fundraising events, vulnerable participants and board decisions create different responsibilities. Describe both routine activities and occasional events so the insurance review captures the full operation.
What to discuss with your broker
Public & event liability
Discuss programs, premises, off-site events and activities run by volunteers.
Directors & officers
Consider claims arising from decisions made by directors, officers and the organization.
Safeguarding exposures
Review supervision, screening and any abuse-related coverage requirements.
Property, crime & cyber
Consider equipment, donated goods, funds, employee dishonesty and personal information held.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Mission, activities, charitable status and annual revenue
- Employees, volunteers, participant groups and events
- Safeguarding policies, screening and supervision procedures
- Premises, property values, board structure and loss history
A question worth asking
Do volunteers need to be identified?
Explain how volunteers are recruited, trained and supervised, and what they do. The definition of an insured person and the activities covered should be checked against that role.