The following are common insurance coverages most social service and non-profit organizations carry. Contact us today so we may evaluate your insurance needs!
“By failing to prepare, you are preparing to fail” – Benjamin Franklin
General Liability
Additional Insureds & Special Events — note liquor liability and bounce-house/trampoline exclusions
Directors & Officers / Employment Practices Liability (D&O/EPLI)
No “standard” form — confirm duty to defend, defense outside limits, and third-party harassment coverage
Crime (Employee Dishonesty / Fidelity Bond)
Umbrella
Confirm it extends to Automobile, EPLI, Professional Liability, and Abuse & Molestation coverage
Automobile
Professional Liability
Abuse & Molestation Liability
Workers’ Compensation
Caution: most policies exclude independent contractors — confirm worker classification
Property
Includes Construction/Renovations — Builder’s Risk, Owners & Contractors Protective (OCP)
Volunteers Coverage
Includes Workplace Violence and Non-Owned Auto for volunteers using personal vehicles
Cyber Liability
If possible, obtain a defense sublimit for wage and hour claims.
Reminder: Every business and nonprofit should carry EPLI coverage to protect against employee-related lawsuits. Be prepared.
14752 Beach Blvd Suite 143, La Mirada CA 90638
Mailing address: P O Box 736, La Mirada CA 90637
lillian@bakerromero.com
(626) 332-2258
Monday – Friday 9:00am – 5:00pm
