General liability insurance for nonprofits
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General Liability Insurance for Nonprofits: Why It's Essential
Nonprofit organizations exist to provide important services and make a positive impact on the world. However, even the most well-intentioned nonprofits can face unexpected challenges and potential risks that can threaten their ability to fulfill their missions. That’s why having general liability insurance is essential for any nonprofit organization.
General liability insurance, also known as commercial general liability insurance, provides coverage for bodily injury and property damage claims that may arise from a nonprofit’s operations, premises, products, or completed work. This type of insurance can help protect the nonprofit from financial losses that could arise from lawsuits, medical expenses, and other liability claims.
Nonprofits face unique risks that require specific insurance coverage. For example, if a volunteer or employee is injured while performing duties for the organization, general liability insurance can help cover the medical expenses and potential lawsuits that could arise. Similarly, if a visitor is injured while on the nonprofit’s premises, general liability insurance can help cover any legal fees or settlements.
General liability insurance can also provide coverage for property damage caused by the nonprofit’s operations or products. For example, if a nonprofit provides a service or product that causes damage to someone’s property, general liability insurance can help cover the cost of repairs or replacement.
Additionally, general liability insurance can protect a nonprofit from claims of libel, slander, or copyright infringement. This is particularly important for nonprofits that engage in activities such as publishing or media outreach.
Overall, general liability insurance is an essential component of risk management for nonprofit organizations. Without this type of coverage, a nonprofit could be vulnerable to costly lawsuits and other legal expenses that could threaten the organization’s financial stability and ability to continue providing its services.
When shopping for general liability insurance for your nonprofit, it’s important to work with an experienced insurance agent who understands the unique risks that nonprofits face. The agent can help you identify the coverage you need and find policies that fit your organization’s budget.
In conclusion, general liability insurance is an essential investment for nonprofit organizations. It provides critical protection against the unforeseen risks and challenges that can arise during the course of the organization’s operations. With the right insurance coverage in place, nonprofits can focus on their important work without worrying about potential financial losses.
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What is general liability insurance?
In short, it is business liability insurance. They protect your company if you cause property damage or bodily injury to someone. For example, your company injures a person, then you have to pay for that person’s treatment and possible legal claims. Which easily comes to $1000.00. Without this insurance, you pay for it out of your own pocket, which can easily destroy your company and put you in debt.
General liability insurance coverage
Protects your business from claims.
Personal and advertising injury
What Does General Liability Insurance Not Cover?
General liability insurance will not cover you if you or your employees have caused intentional damage or committed an illegal act.
Injuries or illnesses of your employees. For this you will need Workers’ Compensation Insurance.
Claims that cost more than your policy covers. For this you need a commercial umbrella insurance policy
Demage caused by advice or intellectual service. For this you need professional indemnity insurance
Damage caused by your company vehicle or a rented vehicle or construction machine. On your way to work, at work… You’ll need a commercial auto insurance policy for that.
Damages to own business property. For this you will need a business property insurance policy.
General liability insurance cost
Many factors affect the price of general liability insurance. Request a quote so we can find the best price for you, on average small businesses pay about $1,000 a year for general liability coverage. Take in consideration the other policies that should be included in your contractor insurance
General liability insurance for nonprofits quote
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Protecting your future
Whatever your needs, give us a call, have you been told you can’t insure your risk, been turned down, or simply unhappy with your current insurance? Since 1995 we’ve been providing coverage to our customers, and helping people across United States.