If you operate a nonprofit organization in Delaware, your business could be at risk without the proper insurance. Here are a few reasons your nonprofit organization may need liability insurance in Wilmington, DE.
Liabilities for Property Damage and Bodily Injury
If your nonprofit is open to the public, visitors can fall or suffer other bodily injuries while on the premises of your organization. Your nonprofit could be held responsible for these injuries. You could also be liable for any personal property belonging to your visitors that may get damaged on the premises. General liability insurance for your nonprofit organization can cover these types of liabilities.
Liabilities for Providing Professional Services
If your nonprofit provides professional services such as counseling or specialized instruction like vocational training, you may need protection against allegations that you or your staff have made errors or omissions in delivering these services. Professional liability insurance can cover your liabilities while performing professional services.
Liabilities for Owning Vehicles
If your organization owns vehicles that may be driven by employees or volunteers, it can be liable if employees are at fault in an accident while driving these vehicles. Commercial automobile insurance can cover these liabilities as well as any physical damage done to the nonprofit-owned vehicles driven by the employees.
Insurance agents who are knowledgeable and experienced in liability insurance in Wilmington, DE can assist you with identifying the protection your organization may need. They can also customize plans to fit the specific needs of your nonprofit.