General Liability Insurance for Nonprofits and Human Services

General liability insurance, also known as commercial general liability insurance (CGL) or slip, trip, and fall insurance is a broad type of insurance that covers employees, property, as well as third-party costs.

Lamb’s general liability insurance for nonprofits covers claims arising from injuries or damage that your organization caused. These can be:

• Damage to someone’s property
• Bodily injury
• Personal injuries, such as libel and slander
• Advertising injury
• Employee negligence
• Copyright infringement

The claims listed above are more common than you think – and, as they say, accidents happen, so it’s not a rarity when these issues come up during normal business operations.

In the case of a lawsuit, your nonprofit general liability insurance should cover the following costs:

• Bodily injury: If someone is injured on your nonprofit’s property or as a result of your nonprofit’s activities, the insurance can cover the cost of medical expenses, lost wages, and other related expenses.
• Property damage: If your nonprofit causes damage to someone else’s property, the insurance can cover the cost of repairs or replacement.
• Personal and advertising injury: If your nonprofit is accused of defamation, libel, slander, copyright infringement, or other similar offenses, the insurance can cover the cost of legal defense and any settlements or judgments.
• Products and completed operations: If your nonprofit sells products or services, the insurance can cover the cost of any damages or injuries that occur as a result of those products or services.
  Non-owned auto liability: If your nonprofit’s employees or volunteers use their personal vehicles for nonprofit activities and cause an accident, the insurance can cover the cost of damages or injuries.

General liability insurance for nonprofits is beneficial as a layer of protection against potential risks when working with the public or with property belonging to third parties.

Expenses add up, and costs will only continue rising if a case takes too long to resolve. Even if a lawsuit is dropped, you’ll still face legal costs and attorney fees. That’s why commercial general liability insurance is important because, without it, your organization and its mission are at financial risk.

Lamb Insurance is dedicated to providing the best general liability coverage to our nonprofit partners. This support occurs across all aspects of our relationship with nonprofits. During the onboarding process, our clients receive a detailed letter that outlines all liability coverage and provides information on how to work with our support team.

New partners will also have access to Lamb’s Aclaimant claims management system. This innovative system allows nonprofits to efficiently work through the claims process while keeping track of losses and receiving automated claim updates.

Nonprofits that receive their commercial liability insurance through Lamb will have access to Lamb’s CSR24 customer service portal, where they can file claims, add vehicles or locations to their policy, and issue certificates.

Using our years of experience with nonprofit general liability insurance law, we work hard to find our clients the best insurance products and services to meet their particular needs. Nonprofit clients can find the best quotes on insurance coverage for a wide range of coverage options.

In addition to our general liability coverage options, Lamb provides nonprofit clients with exceptional risk management services. We work directly with nonprofit clients to identify potential areas of liability and help improve loss prevention practices. Through a partnership with Lamb, nonprofits can get helpful strategies for improving:

• Employee safety
• Cyber liability
• Property Liability
• Worker’s compensation
• Fleet safety
• Management practices

Lamb’s client advocacy department provides top-notch services in contract review and claim disputes. Lamb will review a nonprofit’s contracts that involve insurance or indemnity to ensure that they are in alignment with the nonprofit’s stated commitments.

At the same time, Lamb will review any insurance claim that has been denied and work to reverse that denial and get clients the compensation they deserve.