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非营利保险

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首页 » 商业保险 » 专业商业保险 » 非营利保险

Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We’ll help you design a non-profit insurance policy that covers your organization’s unique needs.

为您的非营利组织提供独特的保险.

No two non-profits are the same, and that’s why you need an insurance policy that’s right for you. A good insurance company will take the time to find out exactly what you do and talk through the options. You’ll also find many insurers not only offer fair premium prices for non-profits but will avoid the dramatic year-on-year premium rises that can wreck your budget.

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  • 发现你的风险.
  • 选择合适的保险范围.
非营利性的
董事及高级职员保险
风险因素

What happens if a board member invests the non-profit's assets unwisely and loses everything? A creditor might sue the non-profit as well as its directors and 军官. 非营利组织也不能免于诉讼. It’s possible someone may disagree with the way you run the organization and file suit. 通常, non-profits don't have deep pockets to fight these types of lawsuits, 因此将组织置于危险之中.

解决方案

董事和高级职员责任保险保护你的董事, 军官, 受托人, 员工, 志愿者, 和实体的任何行为或所谓的行为, 错误, 遗漏, 错报, 误导性陈述, 或者违反义务.

一般责任保险
风险因素

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen that make your non-profit susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.

解决方案

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

工人的补偿
风险因素

If one of your 员工 receives an injury or becomes ill due to a work-related occurrence, 法律要求你有适当的保险.

解决方案

Workers' compensation protects your 员工 should a job-related injury or sickness occur during the course of employment. 这是法律要求的,可能因地区而异, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your 员工.

商业财产保险
风险因素

当火灾发生时, 盗窃, 或者另一种灾难来袭, your commercial property and everything within it can suffer a significant loss. 这可能对您的组织产生不利影响.

解决方案

Commercial property insurance can help protect the property your business owns and leases, 包括设备, 库存, 家具, 及设施. 无论你是拥有自己的办公大楼还是租用自己的办公空间, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

雇佣惯例责任保险(EPLI)
风险因素

On average, it's estimated that three out of five businesses will be sued by their 员工. 索赔可以源于任何事情, 比如有人把笑话理解错了,被冒犯了. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

解决方案

The right coverage is critical to your risk management process as it protects against discrimination, 错误的终止, 性骚扰, 以及其他与就业有关的指控.

营业收入保险
风险因素

What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber criminal caused a system outage or extended downtime, 让你的生意无法运作? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

解决方案

Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, 比如数据泄露或网络攻击. 营业收入保险涵盖你本应赚取的收入, 根据你的财务记录, 灾难没有发生吗. 该保险还包括运营费用, 像电, that continue even though business activities have come to a temporary halt.

职业责任
风险因素

Lawsuits can happen to anyone, and the damages can be hefty whether you win or lose. 即使你没有做错任何事,你也需要为自己辩护. 所以不管合同是否有要求, 没有专业责任保险, 你可能会把公司的未来置于危险之中.

解决方案

类似于董事和高级职员责任保险, professional liability coverage protects against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or 性骚扰. 它不仅包括董事和高级职员, 还有员工, 志愿者, 以及非营利组织本身.

你的非营利组织需要什么样的覆盖范围?

因为非营利组织的规模和类型各不相同, there are many coverage options available to best fit the needs of your organization. Some factors to consider in building a policy are whether or not you deal with members of the public at risk of injury, 比如老年人或残疾人. 你还需要考虑你使用的任何交通工具, 尤其是要载非员工的人. You might even face claims if people are hurt or face costs because of shortcomings in the help or advice you provide.

员工和董事的政策.

It’s also particularly important to check how a non-profit insurance policy distinguishes between the organization itself and the personal liabilities of any directors. 与此同时, 如果你雇佣员工, you’ll also need to look at potential risks such as claims of harassment or discrimination.

To make sure you get the right insurance policy for your non-profit, contact us today.

非营利性保险-志愿者牵手拥抱

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As an independent agency, we are here to help you find the right 非营利保险 coverage.

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  非营利性保险报价请求

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