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The work that nonprofit organizations do exposes them to many different risks, and they need a variety of insurance coverages as a result. Some of these, like property insurance for any owned buildings, are obvious. Others are less evident but just as important. The following are three liability insurance coverages that every nonprofit, regardless of its situation, should have.

1. General Liability Insurance for Common Risks

General liability insurance is a foundational coverage that’s used by businesses and nonprofit organizations alike. The coverage provides basic protection, shielding organizations from three common risks:

The work that nonprofit organizations do exposes them to many different risks, and they need a variety of insurance coverages as a result. Some of these, like property insurance for any owned buildings, are obvious. Others are less evident but just as important. The following are three liability insurance coverages that every nonprofit, regardless of its situation, should have.

1. General Liability Insurance for Common Risks

General liability insurance is a foundational coverage that’s used by businesses and nonprofit organizations alike. The coverage provides basic protection, shielding organizations from three common risks:

You should inform your homeowner’s insurance carrier before your home falls vacant. The notification is necessary because vacant homes carry more risks to insurers than occupied homes. A home vacancy is not just an issue for those with multiple homes; even homeowners with single homes sometimes leave their homes vacant for prolonged periods.

Why Your Home May Fall Vacant

When planning a vacation, it is easy to focus only on the fun parts of traveling, such as booking your rental property, packing for your travels, and finding fun local activities for your trip. However, you should also take a moment to understand how summer travels may affect your auto insurance coverage. Here are a few details to keep in mind during your upcoming vacations.

1. Your Auto Insurance Policy Covers Other Drivers

If you plan to drive to your destination, you may want to share driving duties with your friends and family members. As long as the individual driving your car has permission to operate your vehicle, your auto insurance policy will cover them if they get into an accident while operating your vehicle.

If you live in an area at high risk for earthquakes, understand that your standard home insurance policy doesn’t cover damage caused by earthquakes. While earthquake insurance is expensive, you stand to lose a lot without it given the potentially extensive damage such a disaster can cause.

Earthquake coverage is available as an endorsement to your home insurance policy or as a separate policy. Consider these factors when you buy a policy.

First Step Family Support Center is a happy place where families come to learn, to play, to get resources that they need to keep their children warm and safe, and a place where families find caring staff members that want the best for parents and children.  

Our mission, our reason for being, is: “To promote the healthy development of children and families in Clallam County”.

First Step primarily serves low income families with children from zero to six years of age. In Clallam County, the majority of women giving birth, approximately 68% of women giving birth are considered low income with a family income at 210% of poverty or less.  We provide services to families in our facilities located at 323 and 325 East 6th Street in Port Angeles, as well as in the families’ homes throughout Clallam County through our home visiting programs. 

Life insurance is a valuable protective service. Even though the benefits that this type of policy brings makes it a priority for many people, one specific age group isn’t taking advantage of this insurance option. The Millennial generation isn’t buying life insurance at the same rates as the generations before them.

Whether you’re a millennial yourself or a parent or family member of a millennial who doesn’t have life insurance, understanding the importance of purchasing a policy is absolutely essential. If you think that life insurance is only for retired or the elderly, then take a look at what young adults need to know about this type of coverage.