Business · By industry · Nonprofits
A nonprofit's insurance needs come from what its people do, not simply its tax status. Volunteers, employees, board members and the people you serve can raise different questions across different policies.
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What to review
Tell us whom the organization serves, where activities take place and whether staff or volunteers transport people, handle money, provide advice, work with children or deliver other services. Include fundraising and events as well as the everyday program.
A volunteer's own injury is different from a claim that the volunteer injured someone else. Volunteer accident coverage, general liability, workers' compensation and professional liability aren't interchangeable. Directors and officers coverage may address specified management-related allegations.
A volunteer driving a personal vehicle raises questions about both the driver's insurance and the organization's liability.
Events, alcohol, overnight programs, counseling and contact with vulnerable people can need more specialized review.
A volunteer drives a client to an appointment in their own car and is involved in an accident. The volunteer's personal auto policy is usually looked at first; the organization's hired and non-owned auto coverage, if it has it, may protect the organization if it's named in a claim. Whether the volunteer is an insured depends on the policy wording. A real claim depends on the facts and the policies.
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