Food programs move product, people and vehicles every single day, largely through volunteer labour — which is exactly where coverage gaps tend to appear.
Sorting, lifting and loading is physical work done mostly by volunteers, who usually fall outside workers’ compensation entirely.
Owned trucks, rented vans and volunteer cars all appear in a typical operation, and each is covered differently.
Storing and distributing food carries its own exposure, including refrigeration failure and the loss of stored product.
Every organization is different — this is the usual starting point, not a fixed list.
Since 1986 we have placed coverage for the organizations that care for people across California — nonprofit and for-profit alike. That means reading the funding contract, the lease and the program description before we go to market, so the policy matches how you actually operate.
We also include free unlimited access to HR specialists, and we don’t charge a broker fee with most of our insurance programs.
Most organizations we insure do more than one thing. Tell us how yours actually runs and we’ll tell you what you need.
