Today’s society is increasingly litigious and small businesses including nonprofits are well aware that even a small misstep can lead to a large lawsuit. General Liability will protect the assets and mission of your rescue group for claims even if they are caused by your company’s negligence.
General Liability for New Clients.
To purchase a new general liability policy follow the easy steps below to purchase coverage and obtain your policy.
Our general liability policy will provide the following protection should a claim be brought against your Rescue
- $1,000,000 Property Damage. Damage to property that you are legally liable for.
- $1,000,000 Bodily Injury. Injuries to persons for which you are legally liable.
- $ 5,000 Medical Payments. Bodily injury that occurs during the course of your rescue operations.
- Defense Costs Suits against your rescue regardless of fault.
- $1,000,000 Hired and Non Owned Auto Liability.
- Blanket Additional Insured, Fosters and Fundraising Liquor Liability included.
- There are No Breed Exclusions.
- Zero Deductibles
Each GL product gets their own 12 month term and their own $1mm/$2mm limit on the GL
If you’d like to make a purchase click the get coverage now button below and complete our simple application.
If for some reason you do not qualify, please call office. We are experts in the Animal Rescue Insurance niche and we represent many carriers that will insure rescues.
Get Coverage Now for General Liability
Directors and Officers Insurance
Non Profit Boards can be sued by donors, employees, volunteers, the general public, third parties, clients and even the government agencies that help support their mission. Directors and Officers Insurance, typically referred to as D&O, provides financial protection for the members of your board, as well as your employees, volunteers, and the 501c3 entity itself.
Board members can be held personally libel for acts of the 501c3 and therefore many directors are wise to insist that a D&O policy be purchased to protect their personal assets.
Directors of Nonprofit Boards face the same fiduciary duties as that of a corporate Board and therefore can be involved in a variety of issues, such as:
- Duty of Care-requires Officers to act prudently and reasonably in regards to management
- Duty of Loyalty-directors are prohibited from using their position to further their own interests
- Duty of Obedience- requires Directors to ensure the organization is run in accordance with By Laws
- Employment Issues- harassment claims, termination issues
A D&O policy will protect your organization and its Board members from a variety of law suits. Defending even one claim can bring down a nonprofits financial stability. Remember, if you’re nonprofit does not carry D&O Insurance the personal assets of each board member may be at risk.
Visit our FAQ for more information about D&O insurance.
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Contact Rachael Yerkes for General Liability New Business, Renewals or Certificates of Insurance 973-948-3200 ext.16