Insurance For My Nonprofit  

Q - I work for an insurer/carrier. How can we participate in this Site?

A - This Site welcomes the participation of additional insurers. To be eligible, your company must:

• demonstrate its expertise and record of providing coverage to nonprofit organizations;
• Provide annual documentation that it meets the Site's standards for participating insurers;
  
• share any criteria it wishes to use to ensure that it receives requests for insurance quotes that are consistent with its portfolio;
  
• provide a list of any questions whose answers are necessary for you to consider an applicant coming from this site (questions that aren't already featured in the site's modules); and
• sign a Participating Insurer Agreement with the Public Entity Risk Institute.

To inquire about the possibility of participating, contact Mary Stewart.

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Liability insurance — Insurance covering the financial risk of civil lawsuits.

Risk management — A discipline for dealing with the possibility that the future may be surprisingly different from what we expect (see Strategic risk management).

Liability — Any enforceable legal obligation. For example, the failure to meet the duty of care of a reasonable person under similar circumstances.

Insurance — Traditional risk-financing tool used to transfer the financial hazard of risk. An insurance policy spells out what is or is not covered caused by all or specific perils (causes of damage or injury). Insurance is also a contract whereby an organization agrees to indemnify another and/or to pay a specified amount for covered losses in exchange for a premium. For many nonprofits, insurance provides the funds to pay for the nonprofit’s unexpected losses of people, property and income, while ultimately keeping the organization in operation.

Risk — A measure of the possibility that the future may be surprisingly different from what we expect. Downside risk of loss and upside risk of gain.