Insurance Essentials for Nonprofit Organizations
Nonprofit organizations operate with a clear focus on delivering important services to their communities. While profit is not the goal, the risks involved in running a nonprofit are real and require proper insurance coverage. At Rollo Insurance, we recognize the specific challenges Texas nonprofits face and are ready to help you protect your organization, your team, and the people you serve.
Common Risks for Nonprofits
Nonprofits often deal with liabilities such as:
- Injuries to visitors, volunteers, or staff during events or on your premises.
- Claims related to mistakes or omissions in the professional services you provide.
- Legal exposure for board members and officers related to management decisions.
- Employment-related claims from staff or volunteers.
- Property damage caused by weather, accidents, or vandalism.
- Disruptions to operations that can affect funding and service delivery.
- Risks involving the handling and storage of sensitive data.
- Vehicle accidents if your organization owns or uses vehicles.
- Liability from events like fundraisers or outreach programs.
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Key Insurance Coverages for Texas Nonprofits
A strong insurance program for nonprofits should include:
- Workers Compensation to cover injuries to paid staff.
- Commercial Auto Insurance for vehicles used in your operations.
- General Liability coverage to protect against injury or property damage claims.
- Directors and Officers Liability insurance to protect leadership from personal liability.
- Professional Liability to cover errors in the services you provide.
- Property Insurance for buildings, equipment, and supplies.
- Business Interruption Insurance to help maintain operations after disruptions.
- Cyber Liability coverage to safeguard data and privacy.
- Additional policies for volunteers, special events, and protection against theft or fraud.
Important Considerations
Texas nonprofits often run fundraisers and rely heavily on volunteers. Insurance policies should reflect these realities and meet any state or federal regulatory requirements.
Insurance Costs for Nonprofits
The cost of insurance depends on the size of your organization, the nature of your services, number of employees and volunteers, and your claims history. Each nonprofit has unique needs that should be addressed through a customized insurance plan.
At Rollo Insurance, we say "The Difference Is Real." to encapsulate our dedication to our clients' well-being. Our focus is on securing reasonable premiums, providing comprehensive education on insurance coverage, and protecting our clients valued assets for life.
Rates
Finding the best rates for the coverage you need.
Education
Demystifying coverage, rates, plans, and deductibles—so you understand what you're getting—without boring you or talking down.
Assets
Protecting the most valuable things you own.
Life
A partner who you can call on today, tomorrow, and the rest of your life.
Focus on Your Work with Confidence
Managing the risks that come with running a nonprofit ensures you can concentrate on your organization’s goals. At Rollo Insurance, we help Texas nonprofits find the right coverage so you can operate with confidence. Contact us today for a consultation and learn how we can protect your organization.
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