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Non-Profit Insurance in Mount Pleasant, SC and Charleston, SC

All modern businesses require some form of insurance related to their specialized industry, and non-profit businesses are not different. Just because your company isn't focused on making profits does not mean it doesn’t require business insurance. In fact, non-profit companies can face unique risks. As noted by Risk Management, many nonprofits lack Directors and Officers Liability Insurance, which helps protect board members from personal liability if a lawsuit is brought against the non-profit.

Board members aren't the only ones at risk. If your non-profit's funds are drained, it can be hard to continue your normal operations until you can acquire more funding. Donors may be hesitant to continue supporting any non-profit that's fallen into legal or financial trouble.

Not-Profit Insurance Features

Common choices for non-profit insurance coverage include:

  • Property Insurance: Whether a non-profit owns or leases the property it uses, the property itself often plays a vital role in the non-profit’s operation. Damaged or destroyed property could prove catastrophic for a non-profit’s operations.
  • Fidelity Insurance: Unfortunately, some employees take advantage of their position and embezzle funds. This part of non-profit insurance provides coverage in the event of such losses.
  • Commercial Auto Insurance: For non-profits that rely on vehicles to transport goods or employees, ask about commercial auto insurance coverage, freight, and/or cargo insurance for businesses that transport high volumes of goods.
  • Accident Insurance: Many non-profits work closely helping people in their communities. Unfortunately, both employees and customers can be vulnerable to falls and other injuries. It's important to have coverage in the event that they're hurt.

This list is not exhaustive. Just like for-profit businesses, non-profits can engage in many different types of work. There is no single policy that's capable of covering every area of concern. Before buying any kind of non-profit insurance, talk to a Atlantic Shield Insurance Group agent about what your organization does, where it operates, and what sort of risks you might be exposed to. We'll work with you to find the best possible plan for your needs and your budget.

Requirements for Non Profits

Before you're offered coverage, you may be asked to provide some of your records. This may include a list of any legal claims your organization has faced in the past and any hazardous behaviors the company engages in (no matter how charitable those behaviors are). This helps with our risk-assessment process and ensures that the policies we offer are enough to protect your organization in the event that one or more of them is needed.

 

1. Trefry, John. "Nonprofit Management Faces Liability Risks." Risk Management. September 1, 2014. Accessed April 14, 2016. http://www.rmmagazine.com/2014/09/01/nonprofit-management-faces-liability-risks/.

Our Location

Atlantic Shield Insurance Group

421 Johnnie Dodds Blvd. STE 200
Mount Pleasant, SC 29464
Main office: 843-202-4813
Toll free: 888-856-2909
Fax: 888-697-5823

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Testimonials

I am very happy to have such a reliable and customer oriented agency to which I can refer my clients!

Len F. - Premier Southern Properties, LLC
Not only am I happy with the insurance package I have on my home, but also have the added bonus of a dedicated, courteous, and extremely professional account manager looking out for my insurance interests. Situations like these place a company like Atlantic Shield far above many others, regardless of product offering or pricing. Thank you again and keep up the great service!

Mike B.
Erik, I would like to express our appreciation for all of the assistance provided by Marianne during the last year or so. For us 'non-insurance' people, navigating through coverage is confusing, to say the least. We know that the coverage for Benchmark Installation, Inc. as well as Seashore Associates, Inc. (now closed) is and was a small portion of your business. However, Marianne has always provided service often above her job description. We appreciate all of her help.

Pat & Michael H.