Q: What kind of insurance do we need for our events?
A: Nonprofits often need event cancellation and general liability coverage to protect against cancellations, injuries, or property damage..
Q: What if a vendor contract requires insurance obligations?
A: Vendors often shift liability to you. Review contract terms carefully—you may need higher policy limits.
Q: Do we need insurance to cover our board members?
A: Yes. Management liability coverage protects against directors & officers (D&O), fiduciary, and employment practices risks.
Q: Is it necessary to buy insurance for volunteers?
A: Often. Volunteers may not be covered under workers’ comp, so additional coverage is important.
Q: Could our nonprofit be liable for employment practices?
A: Yes. Employment Practices Liability (EPL) insurance protects against lawsuits tied to hiring, termination, or discrimination.
Q: Are independent contractors covered under our policies?
A: Usually not. Require contractors to carry their own coverage and provide a certificate of insurance (COI).
Q: Does our nonprofit face errors & omissions risk?
A: Yes. E&O insurance helps protect against negligence and professional liability claims.
Q: How important is cybersecurity insurance for nonprofits?
A: Very. Nonprofits are frequent cyberattack targets. Cyber coverage helps protect against breaches and fraud.
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