General Liability for Nonprofit, Childcare, Social and Human Services

What is General Liability Insurance?

General Liability Insurance (also known as Commercial General Business Liability) is nearly mandatory in today’s litigious society. General Liability can cover your company’s assets and will pay for obligations that your business may be faced with if there is a liability claim. A liability claim would arise from a third party which is any person who does not act on behalf of the nonprofit. A third party may be someone walking on your property that slips and falls. This individual could sue your company for medical expenses that your General Liability Insurance can cover. The policy can also pay for the legal costs associated with claims against your nonprofit, like attorney fees, punitive damages and non-monetary losses suffered by the injured third party.

Do I really Need General Liability?

Yes, General Liability Insurance is legally required  in most cases, but even if you believe your company is unlikely to have a claim, getting the right insurance is well worth the investment. For example, a General Liability package could be as low as $300 for a nonprofit organization. If John, a third party, were to walk up stairs in your facility and fall because your stair railing broke off, your organization could be facing a sizable claim. The medical bills, legal bills and punitive damages that your company could be found liable for will surely add up to more than the $300 premium for the insurance policy.

Get a General Liability quote for your nonprofit, social or human services by calling us at 877-977-4474.