Non-Profit in Alabama, AR, FL, GA, IL, KY, LA, MS, NV, NC, SC, TN, TX and VA.

Coverage Highlights

Your farm counts on your vehicles to keep it running without a hitch. Farm auto insurance safeguards your vehicles from the perils of accidents and weather damage. Think of it as a combination of personal auto and commercial insurance coverages, as farm auto policies can cover both your everyday rides and the machines that are critical to your work. Forms of farm auto insurance coverage include auto liability, collision coverage and uninsured/underinsured motorist coverage.

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

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

Automobile

Crime and Fidelity

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.

Non-Profit