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Home > Blog > What Levels of Liability Coverage Should Non-Profits Have?
MONDAY, AUGUST 2, 2021

What Levels of Liability Coverage Should Non-Profits Have?

Non-profit organizations operate with high expectations and low budgets. It is often your responsibility to make miracles happen within small business confines. As a responsible non-profit owner, you want to protect the organization. You want to keep functioning for years to come. 
non profit written on a puzzle piece
You likely have smaller confines to work with when deciding on insurance. But you need insurance coverage to protect your business. As a non-profit, you likely need to strike the right balance of coverage. 

You need high levels of coverage to protect your hard-earned financial business liabilities. You also need to make sure you aren’t wasting your money overspending on costly plans. 

Therefore, you should have proper business liability insurance coverage. 

Business Liability Insurance 
With business liability insurance, you can properly cover your non-profits patrons, volunteers and employees. It can also cover you in case you damage property in the course of business. 

Your non-profit may build houses for others. It may provide aid to people overseas. It may be a non-profit food pantry or clothing store. Nonetheless, risks always exist. A patron may get hurt while shopping in your food pantry. You may damage someone’s property while delivering meals. 

Your liability insurance can protect you in case something happens that makes your company liable for damages. It can cover you in case you have to pay repair bills, medical bills and other damages. 

Professional Liability Insurance 
With the proper levels of liability insurance, you can protect your assets in case of an accident. But, it won’t cover everything. You should always consider having another form of liability insurance, called professional liability coverage. 

Professional liability insurance protects another element of non-profit liabilities. You often give advice as part of your non-profit business. You may offer counseling or free financial advice to those struggling to get on their feet. But you can never guarantee that your advice won’t pose a risk to that person. 

If professional advice causes a problem, then you may be liable for damages. Your general liability insurance may not be enough coverage in this case. Professional liability insurance can often help you in the event of this problem. 

If you need advice on liability insurance, you can research coverage on our website. You can also get a quote online. If you have additional questions, call Thomas Bradley Insurance today at 608-845-7979. 

Posted 4:26 PM

Tags: general liability insurance
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