Why Nonprofits Should Consider Employment Practices Liability Insurance

The good thing is that most of you, if you have directors and officers liability insurance, already have employment practices liability. Nonprofit management liability policies most often include both coverages. But you should check to make sure before assuming your policy includes this key coverage The fact is, that according to Pamela Davis, CEO of Nonprofits Insurance […]

Why Your Nonprofit Can’t Have General Liability without Professional Liability Insurance

“I want general liability only. That’s all my contract requires. I don’t need professional liability.” And so begins the dance around why nonprofit organizations should have professional liability insurance. The professional liability question comes up all the time. Occasionally, there is some frustration because the nonprofit doesn’t have licensed professionals or there’s no contractual requirement from […]

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 […]

Nonprofit Insurance Checklist: Social Service Professional Liability

One very interesting coverage that is important to most service-based nonprofits is professional liability. Professional liability is errors and omissions liability regarding any services provided by the nonprofit to its clients, consumers, students, or patients. I understand that ‘interesting’ is a relative term. As an insurance fellow, I reserve the right to call coverages interesting. […]

Health Insurance and Obamacare for Beginners: What Has Changed?

I’m not a health insurance expert, but given that the Affordable Care Act or Obamacare has been dominating insurance conversation and given that I’ve gotten some feedback from readers on it, I thought I should address some basics. A lot has changed, and I’ll only be touching on a tip of the tip of the […]

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, […]