What’s the Difference between a Claims-Made and an Occurrence Policy?

I’m glad you asked! I’ll try to answer for you. My suspicion is that if you’re reading this post, then you did a very specific search and you just want an answer. You don’t need any fluff. Claims-made and occurrence policies will always refer to a feature in some kind of liability policy: professional, directors […]

A Great Resource for Youth Serving Organizations

If you work with youth of any age, you need to have policies and procedures to help prevent (a) abuse and molestation and (b) the temptation for someone to falsely accuse your organization or one of your employees or volunteers of abuse or molestation. I sincerely hope such a thing never happens under your watch, […]

Why Nonprofit Boards Should Consider General or Professional Liability (at least)

One of the biggest misconceptions¬†in insurance for nonprofits is this: The directors and officers are fully covered by a directors and officers liability policy. Here are examples of types of claims excluded under a D&O policy: Bodily injury claims Property damage claims Errors and omissions claims (i.e. professional liability claims for counseling, mentoring, case management, […]

Volunteers and Professional and Abuse and Molestation Liability

Do you know if your volunteers have coverage under your abuse and molestation liability policy? How about your professional liability policy? Do you have either or both policies in place? General Liability vs. Professional Liability or Abuse & Molestation Liability One of the unique characteristics of a nonprofit liability insurance program is that nearly every […]