2 Reasons Why You Need Nonprofit Insurace

Sometimes when one thinks about non-profits and Insurance For Nonprofits, that seems like oil and water which are not meant for each other as they just don't go hand in hand. After all the purpose of non-profit organization like church is to serve the community and build up their membership through shared set of thoughts, belief and encouragement. Why would an organization whose very mission is to reach out to deprived sections of the society should worry at all about insurance?

There are many arguments which can be put forward to counter this question but there are main back to back reasons as to why your non-profit organization can't do without a church. Read on to know more about it.

Reason#1: Any Church Can Be Held Liable And Sued

There seems to be a common feeling amongst churches and other non-profit organizations that they are immune from liability. What makes them believe so is hard to fathom but the fact is that no church can claim to be immune from any liability ever. The important thing to consider here is that even if no wrongdoing has been committed intentionally or non-intentionally from the church's side then also the church can be sued and it will have no other option but to defend itself. You may find it hard to believe that some churches have been sued by its own members for no apparent fault of church. In one case, a church member sued the church because she slipped while walking into the sanctuary. Even though there was nothing unusual about the incident as no party can be found guilty, the church member in question took legal action against the church. The point of mentioning this example is that in modern America people can sue just about anyone and churches are no exception to this. Having a properly placed Nonprofit Insurance can help in handling the situation with much less legal costs and inconvenience as compared to having no insurance plan in place at all. Some liability insurance coverage to consider include General Liability, Employment practices liability, Auto Liability, Pastors professional liability, sexual abuse, molestation,etc,.

Reason#2: Because No Nonprofit Can Predict The Weather

Any building can be partially or completely damaged by weather and church building is no exception. What if your non-profit organization is struck by lightning and burned to ground? Do you have enough money in the bank to re-construct the church building from the scratch and pay for the removal and clean-up of debris from the fire? Do you have enough money in the bank to cover the additional costs of replacing furniture, computers, pews, lighting, sound, musical equipment, HVAC units, as well as other furnishings and items inside?

If the answer to aforementioned questions is no, then you need to take a long hard look in the mirror and ask yourself if you really are serious about the safety and security of your nonprofit at all? Schedule a consultation with a reputable church insurance agency and take a suitable insurance coverage.