Many school districts will be opening their doors for a new school year in just a few weeks, and we are seeing an uptick in school support organizations. When targeting and writing this class of business, such as athletics boosters, fundraising organizations and PTOs, you have an opportunity to educate these groups on a critical misunderstanding: School districts do not extend coverage to independent nonprofits even if they are supporting their programming. This leaves volunteers exposed to potential claims; more often than not, we even see districts require proof of insurance before granting facility access.
USLI has structured our product to address many of these organizations’ needs in one easy step:
Directors and Officers (D&O): The personal assets of any volunteer director or officer are at risk if the organization is sued over alleged financial mismanagement, misallocated fundraising distributions, contract disputes or administrative errors. Suggesting D&O is your strongest way to ensure they are protected. We also offer increased commissions when D&O is included in the package.
General Liability (GL): Our policy protects volunteers and the organization against third-party bodily injury and property damage (e.g., slip-and-falls at concession stands or volunteer accidents during setups).
Abuse and Molestation (A&M): Many school districts require a sublimit or full limits to use their facilities. Having this protection can also save an organization in the case of false or meritless allegations.
Blanket Event Coverage: We can evaluate and cover the events they have planned throughout the year. No need to worry about rescheduling or rain dates with blanket events included.
Property: Written on a businessowners policy form, the policy automatically includes business personal property to cover the property they might own and use in their operation.
Our product offers admitted terms with direct bill (in most states) and high renewal retention. Ask your underwriter for more information, or feel free to watch our recent webinar to learn more about protecting nonprofits now and during the school year.
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