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The Raleigh, North Carolina metro area is home to a vast number of social service organizations, ranging from children’s homes and rehabilitative groups to affordable housing and food distribution. We’re also home to several foundations, including many with ties to our local universities. All these organizations provide much-needed services to the Research Triangle every day, so it’s only right that they have reliable Professional Liability coverage to protect them.
Our team at INSURE, a division of Correll Insurance Group, has more than 40 years of experience meeting the needs of our clients. This experience is especially useful for nonprofit organizations and foundations, as we understand how risks and needs can vary widely by the type of service provided. Many non-profits working in the Research Triangle have given their trust to INSURE to assist with their insurance portfolio.
Most nonprofit organizations have strict budgets that require careful decision-making with regard to the type and amount of insurance coverage to carry. The policies listed here offer an idea of the types of nonprofit insurance your social service organization or university foundation should consider carrying to protect you, your employees, your volunteers and the people you serve:
Commercial general liability coverage protects against injuries and property damage caused to others’ property as well as legal costs which may arise if your nonprofit is found legally liable for a covered cause of loss.
From claims of discrimination and breach of contract to sexual harassment and wrongful termination, EPLI may protect you in the event someone files a lawsuit against your nonprofit organization subject to policy terms and conditions.
With D&O insurance, you show your nonprofit board or foundation directors that you value each member’s time and efforts by safeguarding each of them against claims for mismanagement, discrimination, and other covered matters.
This policy covers your office building and the property you keep in it. It can also include your loss of business income or extra expenses associated with relocating if the existing structure is damaged by a covered peril.
Accident liability insurance includes coverage for medical expenses, accidental dismemberment, and accidental death. Having such a policy protects your organization from extensive medical bills while also shielding your volunteers from such costs.
This provides protection in the case of a claim for sexual abuse or sexual molestation. It also includes coverage for claims of emotional and psychological harm.
We can help you insure all vehicles you use for your nonprofit, including non-owned and hired cars, vans, and buses.
Whether you are running a fundraiser or a thank-you event for volunteers, we have the event insurance you will require to protect your organization and your guests.
With an umbrella insurance policy, you are covered even if a covered claim exceeds your base policy limits. You also gain coverage for costs related to defending against injury claims.
Universities have various nonprofit and foundation organizations that are related to the university but are responsible for their own risks and liability. As such, these organizations need insurance coverage plans to protect their assets, their employees, and their products. From product liability coverage to D&O plans, INSURE puts together insurance plans to suit the needs of university foundations and nonprofits.
To learn more about the types of social service insurance programs we provide to nonprofits throughout the state of North Carolina, call us today or stop by our office to talk to an independent agent at INSURE. We’re happy to provide free insurance quotes for nonprofit organizations and university foundations.
You may also call (919) 781-1115 to speak to an agent. Requesting a quote is not a guarantee of coverage. All coverages are subject to the terms, conditions, and exclusions of the actual policy issues. Not all policies or coverages are available in every state.
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