Check your insurance against your actual risks, find the dangerous gaps and the wasteful overlaps, and get the coverage right.
In Find and Manage Your Risks, after the Risk Register, with a licensed broker who works with nonprofits.
| Coverage | Carry it? Adequate? |
|---|---|
| General liability: injury or damage claims from your operations | |
| Coverage that protects your board and officers for their decisions | |
| Property: your physical assets and space | |
| Coverage specific to your programs (professional liability, abuse and molestation where you serve vulnerable people, event) | |
| Workers coverage, if you have employees, as required where you operate | |
| Cyber or data coverage, if you hold sensitive data |
What and how much to carry is a licensed broker’s advice, matched to your risks and budget. This makes sure you check coverage against your real exposure rather than renewing last year’s policy by habit.
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