Non-Profit Organizations

Non-profit Exposures And Aspects

Non-profits have exposures and aspects to them that for-profit corporations usually don’t. For example:

  • Non-profits often have volunteers, which introduces special exposures that must be addressed in various policies. (CGL, Umbrella, Volunteer AD&D, Special non-owned auto, Volunteer personal effects, Non-owned aircraft, Crime, D&O E&O)
  • D&O coverage is written on a special form which gives entity, employee and volunteer coverage as well as coverage for directors and officers.  It also covers E&O. It can sometime be issued on a form incorporating Employment Practices Liability.
  • Crime policies need to be extended to include volunteers as employees.
  • Volunteers that drive on the organization’s business need an automatic increase in their auto liability coverage to bring the limit up to an acceptable minimum level.
  • Group accident insurance should be arranged to cover all volunteers whilst on the organization’s business.

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Insurance Sources & Resources

(General – Not necessarily accessible by TCIM)

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