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Non-Profit Insurance

All modern businesses require some form of insurance related to their specialized industry, and non-profit businesses are not different. Just because your company isn't focused on making profits does not mean it doesn’t require business insurance. In fact, non-profit companies can face unique risks. As noted by Risk Management, many nonprofits lack Directors and Officers Liability Insurance, which helps protect board members from personal liability if a lawsuit is brought against the non-profit.

Board members aren't the only ones at risk. If your non-profit's funds are drained, it can be hard to continue your normal operations until you can acquire more funding. Donors may be hesitant to continue supporting any non-profit that's fallen into legal or financial trouble.

Not-Profit Insurance Features

Common choices for non-profit insurance coverage include:

  • Property Insurance: Whether a non-profit owns or leases the property it uses, the property itself often plays a vital role in the non-profit’s operation. Damaged or destroyed property could prove catastrophic for a non-profit’s operations.
  • Fidelity Insurance: Unfortunately, some employees take advantage of their position and embezzle funds. This part of non-profit insurance provides coverage in the event of such losses.
  • Commercial Auto Insurance: For non-profits that rely on vehicles to transport goods or employees, ask about commercial auto insurance coverage, freight, and/or cargo insurance for businesses that transport high volumes of goods.
  • Accident Insurance: Many non-profits work closely helping people in their communities. Unfortunately, both employees and customers can be vulnerable to falls and other injuries. It's important to have coverage in the event that they're hurt.

This list is not exhaustive. Just like for-profit businesses, non-profits can engage in many different types of work. There is no single policy that's capable of covering every area of concern. Before buying any kind of non-profit insurance, talk to a Insurance Shoppe agent about what your organization does, where it operates, and what sort of risks you might be exposed to. We'll work with you to find the best possible plan for your needs and your budget.

Requirements for Non Profits

Before you're offered coverage, you may be asked to provide some of your records. This may include a list of any legal claims your organization has faced in the past and any hazardous behaviors the company engages in (no matter how charitable those behaviors are). This helps with our risk-assessment process and ensures that the policies we offer are enough to protect your organization in the event that one or more of them is needed.

 

1. Trefry, John. "Nonprofit Management Faces Liability Risks." Risk Management. September 1, 2014. Accessed April 14, 2016. http://www.rmmagazine.com/2014/09/01/nonprofit-management-faces-liability-risks/.

Our Location

Insurance Shoppe - Post Falls

755 N. Regal Street
Post Falls, ID 83854
Main office: 208-773-7531
Fax: 866-800-5014

Our Providers

Testimonials

I have to say thank you to Amanda and her team at the Insurance Shoppe. You have been an incredible help with our coverage needs. What has impressed me most was how you reached out to me directly, without being prompted, to discuss a solution to help improve our insurance coverage and lower our premiums. I have never had anyone reach out like that to lower the amount they collected. The work you did has helped us save $2,000/year on our insurance from what we already thought was a fair, and low, payment. I’m telling all my friends and family to at least discuss their insurance needs with you and the team at the Insurance Shoppe because I know they will be as impressed as I have been. Thank you again for the excellent service. Looking forward to a long lasting partnership.

Cameron Barclift
Three years ago I switched all of my personal insurance to The Insurance Shoppe, including homeowners, cars, boats and camper. Aimee was able to reduce my monthly premiums while still maintaining the same coverage. Their customer service has always been top-notch. I would highly recommend the Insurance Shoppe for your insurance needs. - Judy Kirking

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