Liability Insurance for Non-Profits

Liability insurance is designed to offer your non-profit organization specific protection against third party insurance claims, i.e., payment is not typically made to the insured non-profit, but rather to someone suffering loss who is not a party to the insurance contract.

In general, damage caused intentionally as well as contractual liability are not covered under a non-profit's liability insurance policies. When a claim is made, the insurance carrier has the duty (and right) to defend the insured organization. The legal costs of a defense normally do not affect policy limits unless the policy expressly states otherwise; this default rule is useful because defense costs tend to soar when cases go to trial.

What Non-Profit Organizations need Liability Insurance?
Every organization that can be held as negligent in a lawsuit.