Nonprofit Insurance and Foundation Insurance Programs

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 great professional liability coverage to protect them.

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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.

General Insurance Coverage for Nonprofit Organizations

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:

  • General liability for nonprofits: 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.
  • Employment practices liability insurance (EPLI): 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.
  • Directors and officers insurance (D&O): 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.
  • Commercial property insurance: 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.
  • Volunteer accident liability insurance: 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.
  • Sexual abuse coverage: This provides protection in the event of a claim for sexual abuse or sexual molestation. It also includes coverage for claims of emotional and psychological harm.
  • Commercial auto insurance: We can help you insure all vehicles you use for your nonprofit, including non-owned and hired cars, vans and buses.
  • Event insurance: 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.
  • Commercial umbrella insurance (excess liability coverage): 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.

Insurance Policy for University Foundations and Nonprofits

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.

Get a Free Insurance Quote for your NC Nonprofit

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.

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Correll Insurance Group offers the best of both worlds—you get to use a local, independent agent who lives in your town and knows you personally, but this agent is backed by a strong, national firm that has served the Southeast for nearly 90 years. So you don’t have to choose between having a personal relationship with your agent and knowing they have access to world renowned markets. You’ll get both with Correll.

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INSURE is a member of Correll Insurance Group and works to bring you coverage that best fits your needs. Visit our corporate site to learn more.

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