Auto Dealers Insurance Colorado – Insur Group

Professional Liability Insurance

  • Similar to D&O coverage, professional liability coverage (also sometimes called "errors and omissions" or "malpractice" insurance) protect against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment.
  • It covers not only directors and officers but also staff, volunteers, and the nonprofit organization itself.

Charitable and Human Service Agencies

  • Due to tight budgets, many charitable, human service agencies, and civic support organization wouldn’t have enough to fully cover emergencies or accident claim payments
  • Just one negative judgement  could destroy the legacy and containing operation of the organization
  • Appropriate liability insurance can provide a defense layer to protect directors, the board, and organization.

General Liability Insurance

  • Insure again classic on-site injury claims with a general liability policy or "commercial general liability (CGL)" policy.
  • Get covered for damages awarded to a visitor, customer, supplier, or associate in case of accident or injury on the organization's property.
  • These kinds of policies don't apply to the nonprofit's employees, who are covered separately by workers' compensation insurance.

Product Liability Insurance

  • A core funding source for many non-profits and service organizations include product sales.
  • For example, if you raise funds by selling baked goods, or your artist-clients create and sell sculptures out of recycled products, then consider buying securing adequate product liability coverage.
  • You will be covered in the event that any customer claims they were hurt by an unsafe or defective product your organization provided.
  • This insurance will cover legal fees and damages if a customer breaks a tooth on a walnut shell baked into your cookie or slices a hand on a sharp-edged sculpture.

Directors and Officers Insurance

  • Are your volunteers (board of directors) at risk for being personally names in a lawsuit alleging fraud or financial mismanagement?
  • For example, if a board member invests the nonprofit's assets unwisely and loses everything, a creditor might sue the nonprofit as well as its directors and officers.
  • Directors and officers (D&O) insurance could  cover the cost of defending the directors and officers and pay any resulting money damages
  • It is important to understand what kind of claims are and aren't covered by a D&O policy.
  • Typical exclusions include damages arising from criminal or fraudulent behavior and claims brought by one director against another.
  • But make sure your policy doesn't exclude employment-related claims, which are the most common ones filed against directors and officers.

The following list is just a sample of the types of non-profits, human service agencies and civic organizations we can insure. 

  • 24-hour Counseling Hotlines
  • Abused Spouse Shelters
  • Adult Day Care Centers
  • AODA Counseling Centers
  • Before & After School Programs
  • Boys & Girls Clubs
  • Community Centers
  • Court Appointed Special Advocates for Children (CASA)
  • Family Mentoring Organizations
  • Food Pantries
  • Home Health Care and Housekeeping Services
  • Homeless Shelters
  • Hospice Care Providers
  • Outreach Ministries
  • Senior Service Groups
  • Sheltered Workshops
  • Social and Civic Clubs
  • Volunteer Management Organizations
  • YWCAs