Steve White Insurance Group
Nonprofit Insurance in Texas
The Steve White Insurance Group offers high-quality Nonprofit Insurance to businesses in Texas. Get a quote today!
Get a Quote
Steve White Insurance Group
Learn more about Nonprofit Insurance
Steve White Insurance provides Nonprofit coverage to businesses in Texas.
What is nonprofit insurance?
Operating a nonprofit organization of any type usually comes with some risks. Most organizations have at least some property or items to protect, and virtually any organization could be sued on account of an accident. To help protect against covered risks, not-for-profit organizations in Texas can get nonprofit insurance.
Nonprofit insurance policies provide tailored protections for not-for-profits. Policies may serve as an important safety net if there’s a major disaster, break-in, or serious accident.
Which not-for-profits in Texas does nonprofit liability insurance make sense for?
Nonprofit liability insurance is something that almost any Texas not-for-profit can benefit from. Nonprofits large and small can be sued if something happens, and plenty can happen.
Nonprofits that have assets of any note, which could be buildings, equipment, inventory, or other items, usually should consider property coverages too.
For example, organizations like the following could probably benefit from nonprofit liability insurance and property insurance protections:
- Religious groups (churches, parachurch ministries, mosques, temples, etc.)
- Children’s programs (after-school programs, preschools, summer camps, etc.)
- Cultural organizations (cultural heritage nonprofits, cultural museums, etc.)
- Advocates (environmental advocates, social advocates, animal rights groups, etc.)
- Land conservation entities (land management nonprofits, land trusts, etc.)
- Charities (homeless shelters, food pantries, soup kitchens, etc.)
- Other 501(c)3 not-for-profit organizations
What nonprofit liability insurance coverages can nonprofits get?
Nonprofit liability coverages normally offer protection in certain situations where a nonprofit could be sued for causing another party harm. Which situations are covered depends on the particular protections chosen. There are several common ones that nonprofits can likely include in their policy:
- General Liability Coverage: Might protect against common accidents that cause injuries or property damage to third parties, and usually also covers defamation.
- Professional Liability Coverage: Might protect against errors that a nonprofit’s employees or volunteers make when acting in a professional capacity.
- Directors & Officers Liability Coverage: Might protect against accusations that a board member or other leader’s decision harmed the nonprofit organization.
- Employment Practices Liability Coverage: Might protect against accusations that a nonprofit discriminates against certain volunteers or employees.
- Cyber Liability Coverage: Might protect against various digital risks, such as website attacks, phishing campaigns, data breaches, and ransomware attacks.
- Special Events Coverage: Might protect against liability risks that hosting specific events presents.
- Social Engineering Fraud Coverage: Might protect against financial losses due to fraudulent or deceptive misrepresentations.
- Umbrella Coverage: Might protect with a secondary layer of liability coverage, for lawsuits that exceed the limits of other nonprofit liability insurance coverages.
What property insurance coverages can nonprofits get?
Property insurance coverages may protect what a nonprofit owns against loss or damage. What’s covered depends on the specific protections chosen. Options typically include:
- Commercial Building Coverage: Normally for any buildings owned by a nonprofit organization.
- Tenants Betterment Coverage: Normally for improvements and upgrades that a nonprofit makes to a leased space.
- Commercial Contents Coverage: Normally for items stored at a nonprofit’s location. This could be everything from office equipment and kitchen appliances, to free swag and specialized products.
- Inland Marine Coverage: Normally for items when they’re taken between locations, which could be to/from events, conferences, fundraisers, or simply different locations.
- Commercial Auto Coverage: Normally for commercially registered vehicles owned by a nonprofit, which could be cars, trucks, or other vehicles, typically protecting against accidents and other damage.
Do nonprofits need liquor liability coverage if serving alcohol?
Liquor liability coverage is generally recommended anytime alcohol is being served by an organization. Nonprofits ought to consider coverage if they serve adult beverages at an event, as other insurance coverages are unlikely to cover incidents involving drunk attendees.
If it’s needed for just one event, liquor liability can usually be purchased on a short-term basis. This is something that an insurance agent who specializes in nonprofits can assist with.
Where can not-for-profits in Texas get nonprofit insurance?
If you need help insuring a Texas not-for-profit organization, get in touch with the independent insurance agents at Steve White Insurance. We’ve helped many nonprofits protect themselves, and we can find nonprofit insurance that’ll protect your organization well.
Contact the Steve White Insurance Group today!
I trust Steve White with my insurance needs implicitly. I have no doubt he’s found the best rates and policy for my auto and RV insurance. He routinely researches the market and options, and proactively informs me of rate changes and better options that become available.
Steve has consistently provided me and my clients with a high level of professionalism and support. His expert advice has aided in the selection of providers and cost effective insurance solutions. I highly recommend him for insurance services.
Steve is a knowledgeable professional. I have been using him for over 5 years and he has saved me money and improved my home and auto coverage. When I have had claims, Steve has been there to help walk me through the process. Since Steve is independent, he is always look for better coverage at a better price. I highly recommend Steve White Insurance.
I was referred to Steve White from my real estate agent and he was absolutely excellent to work with. Steve is very knowledgeable about all forms of mortgage and auto insurance and he will give you his unbiased opinion about each available option. He was able to organize mortgage insurance quotes from several different companies in order to help us find the best coverage for our price range. I will definitely work with him again for any insurance needs!
Steve White with Steve White Insurance Group is wonderful! He is extremely knowledgeable and informative in all types of insurance for personal and business. I have him look at my policies and costs every year to make sure I am getting the best possible coverage for the least cost. He has always gone above and beyond to explain the differences in companies, coverage and what he personally would do if it was his family he was covering.
What I appreciate is he is always open and honest. If he can’t get you better coverage and a better rate he tells you! Because of claims I had with my current insurance company 5 years ago he hasn’t been able to get me a lower cost with the same coverage yet. He is very diligent with following up to see if he can get me a better deal the next year. This might be my year!
I would highly recommend Steve and the Steve White Insurance Group. He treats you like you are part of his family and I trust him to always be open, honest and to give me the best advice when it comes to all things insurance.
Steve White is incredibly easy to work with and will not stop at any hurdle to find a good fit for your insurance needs. He is personable and friendly, but also professional and respectful. I was very pleased with my experience with Steve and would definitely recommend him to anyone looking for insurance.