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Business GearsAs a non-profit owner or manager, it is up to you to do everything you can to keep your organization running and doing the work it's meant to do. The problem is, like any business, it faces risks on a regular basis. Take the time to update and modernize your current business insurance to meet your non-profit's goals. In doing so, you may actually find it is possible to reduce your overall costs and boost your overall protection. What types of insurance do you need?

Breaking Down Non-Profit Insurance

Non-profit insurance should be customized to meet your specific organization's needs. This will vary based on the size of the organization, the industry and the assets the organization maintains. Here are some common types of coverage to consider when you talk to your independent insurance agent.

General Liability Insurance

Even as a non-profit organization, you likely need general liability insurance, similar to what a business needs. This coverage helps protect your organization from accidents resulting in bodily injury or property loss due to the negligence occurring on your property. It can help to protect a visitor, for example, from a slip and fall claim.

Property Insurance

Depending on the type of space your non-profit occupies — whether it's rented or owned — you probably need property insurance. It can help to minimize the financial risks to your organization from storms, vandalism, fires and many other risks. It also works to cover your furniture, equipment, fixtures and inventory.

Directors & Officers Insurance

In some cases, D & O insurance is necessary for non-profit organizations. This type of protection can help to protect your directors and officers (those leading your business) against a lawsuit filed against it, such as those alleging financial mismanagement or a creditor filing a claim against your organization.

In addition to this, non-profit insurance may also cover other risks. Product liability insurance, professional liability insurance and commercial auto insurance may also apply in your situation. Talk to an insurance provider to customize a policy that addresses the specific risks you face. Doing this helps to ensure your non-profit is well protected.

Protect your organization today. Call Full Armor Insurance Services, LLC at (208) 664-6000 for more information on Idaho non-profit insurance.
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