Non-Profit

Woodall & Hoggle can provide an insurance package uniquely designed to fulfill a wide range of special insurance needs for the non-profit sector as defined under IRS Code 501(c)(3). Each policy is custom tailored to address each insured’s unique exposures. We offer separate limits for General Liability, Professional Liability, and Abuse & Molestation (if eligible). In addition, we offer a separate Directors & Officers Liability policy. Call Woodall & Hoggle Insurance to get more information about your specific insurance needs.

Coverage Highlights

General Liability

  • Comprehensive General Liability - limits to $1M per occurrence/$2M aggregate
  • Employee Benefits Liability
  • Employees and Volunteers Insureds
  • Premises Liability
  • Personal Injury Liability
  • Coverage for Fundraising Events
  • Abuse and Molestation Coverage
  • Blanket Additional Insured for Funding Sources & Landlords
  • Medical Payments for Volunteers Included

Professional Liability

  • Separate coverage part so no erosion of General Liability aggregate limit
  • Primary or contingent liability included for employed, contracted, or volunteer physicians and dentists
  • Covers students in training
  • Occurrence or claims-made forms available

Property

  • Blanket limits with large in-house capacity
  • Special Causes of Loss coverage on buildings, contents, loss of income, and extra expense
  • Water backup of sewers and drains or sump pumps
  • Equipment Breakdown coverage
  • Glass coverage
  • Sign coverage - no limitation
  • Ordinance or Law coverage - included up to building limit
  • Agreed Amount endorsement available with signed statement of values/property appraisal

Umbrella/Excess Liability
Large Excess Limits available

Directors and Officers Liability

  • Defense costs in addition to the Limit of Liability
  • Most favorable venue wording for punitive, multiple, or exemplary damages

Automobile

  • Owned/non-owned/hired auto
  • Hired car physical damage
  • Employees and Volunteers as Insureds coverage available
  • Web-based Auto ID card issuance
  • Online Defensive Driving Workshop

Crime and Fidelity

  • Employee Theft/Forgery
  • Money and Securities

Other Endorsements Available

  • Business Travel Accident Benefit
  • Donation Assurance
  • Emergency Real Estate Consulting Fee
  • Identity Theft Expense
  • Image Restoration and Counseling
  • Key Individual Replacement Expenses
  • Kidnap Expense
  • Terrorism Travel Reimbursement
  • Workplace Violence Counseling
  • Conference Cancellation
  • Fundraising Event Blackout
  • Political Unrest ($5,000 per employee),
  • Temporary Meeting Space Reimbursement
  • Travel Delay Reimbursement
  • Crisis Management Enhancement

In addition to the options for non-profit organizations listed above, Woodall & Hoggle also recommends some very important coverages that all businesses need to understand and consider:

Cyber Crime Liability Insurance - protects your organization from an invading army of exposures, such as e-theft, destruction of critical data, defamation, libel, copyright or trademark infringement, e-vandalism, e-threats, denial of service, and more.

Employment Practices Liability Insurance - provides protection for an employer against claims made by employees, former employees, or potential employees. It covers discrimination (age, sex, race, disability, etc.), wrongful termination of employment, sexual harassment, and other employment-related allegations. It covers your firm, including its directors and officers.

Workers’ Compensation Liability Insurance - provides coverage to employees for accidents or disease arising from employment.  Benefits may include lost wages, medical expenses, and permanent disfigurement/disability payments. State law requires that employers provide Workers’ Compensation Insurance for their employees.