What’s Covered

Commercial General Liability coverage for nonprofits provide protection for alleged negligent acts which result in Bodily Injury, Property Damage, Personal Injury and Advertising Injury

These injuries might include a child who is injured while playing at school, a senior citizen who becomes ill from eating food at a senior meal site, or a program participant who slips on a wet floor and breaks a bone.  Coverage for Special Events and Fund-raisers should be part of the policy as well.

Improper Sexual Conduct can be covered to defend against allegations of sexual abuse and molestation. The policy can include client v. client coverage. Any organization that provides services to youth, developmentally disabled of any age, or senior citizens should consider this type of coverage.

An important benefit of the Commercial General Liability policy is that it typically provides unlimited legal defense for covered lawsuits.

The policy excludes such things as lawsuits brought against board members for bad management decisions, lawsuits alleging unfair employment practices or actions of an unprofessional nature such as sexual harassment.

Who’s Covered

The Named Insured and any Wholly Owned or Financially Controlled Subsidiaries listed on the policy are the primary recipients of coverage.  Employees and volunteers while performing work for your organization are also included as insureds. Other Stakeholders such as Landlords, Mortgagees, Lessors of Equipment and Government Funding Sources can be included as Additional Insureds.

Your organization, depending on your mission, may want to add the following provisions to your Commercial General Liability policy.

Lamb Financial Group will work with your Human Service Organization to arrange the most comprehensive and appropriate coverage at the best price.

Value to the Client

No organization can operate with the uncertainty caused by risk from lawsuits.  Commercial General Liability Insurance transfers that risk from the organization to an insurer providing peace of mind.  Lenders and other Funding Sources will demand proof there is insurance by the organization before loans, grants or other funds are pledged.