Nonprofits, Independent Contractors, and General Liability

As a cost-saving move, many nonprofits pay employees as 1099 independent contractors. There are quite a few ramifications of this practice (which I’ll dive into in another post), but I want to point out one key insurance gap that is created. Under a general liability policy (and abuse and molestation liability and professional liability policies), […]

The 3 Ways a General Liability Policy Protects Your Nonprofit

  General liability is a cornerstone coverage for all businesses, including nonprofits. In this post, we’ll discuss the three coverages that make up a general liability policy. Nonprofit organizations should have this policy in place as a key component to protecting and defending board members, employees, and volunteers. This protection is not for board members, […]

Insure Your Nonprofit, Not Just Your Special Event or Project

I recently had three phone calls within a four hour period from leaders of small nonprofits. All three had a contract at stake – two with a large food service organization that provides concessions services at large arenas and one with a large box store’s charitable foundation (where the foundation would offer free materials… as […]