A parent looks away from a crowded swimming pool to answer a phone call; a driver makes a split-second decision to try to make it through a yellow light with a sudden burst of speed. We recoil when we read these scenarios because we know only too well that tragedy can result.
What happens when these incidents involve volunteers for your nonprofit? Your organization might be liable for the resulting injury.
Volunteers are the lifeblood of many nonprofits. But the actions of a volunteer can also create devastating liability for the organizations in a personal injury claim. While the law provides some relief for the negligent acts of volunteers, these laws vary widely from state to state and are often misunderstood. Don’t make the mistake of assuming that your nonprofit will be exempt from liability because its purposes are charitable, or because the person responsible for the harm is a volunteer. Continue reading “Nonprofits: There is Liability for the Acts of your Volunteers”
In 2015, the Coast Guard counted 4,158 recreational boating accidents that involved 626 deaths, 2,613 injuries and approximately $42 million dollars of damage to property. If you own or regularly operate a boat, you probably need more coverage than your homeowners policy provides.
A survey by one insurer found that 29 percent of all boat owners Continue reading “Do You Need a Boat Insurance Policy?”
Bad things happen: that’s why people buy auto and homeowners insurance policies. But America’s love affair with lawsuits means your coverage could fall short. That’s where umbrella policies come in. They provide a convenient and surprisingly affordable extra layer of protection for your key assets.
What happens if you are sued for causing an auto accident or your neighbor slips and falls on your property? Continue reading “Umbrella Policies: Protection for a Rainy Day”
“Sticks and stones may break my bones, but names will never hurt me.” The old schoolyard rhyme isn’t true—mis-used words CAN hurt you!
Continue reading “When Words Become Weapons”
In 2013, the Coast Guard counted 4,730 recreational boating accidents that involved 736 deaths, 3,358 injuries and approximately $36 million dollars of damage to property. If you own or regularly operate a boat, you probably need more coverage than your homeowners policy provides. Continue reading “Insuring Your Boat”
The Insurance Information Institute (III) reported that dog bite claims cost an average of $24,461 in 2008 (the most recent figures available). If you own one or more dogs, do you have the insurance coverage to protect you from dog bite liability? Continue reading “Protecting Your Family from Dog Bite Liability”
A bully in your workplace can affect morale, increasing stress levels for fellow employees—and possibly increasing your workers’ compensation costs. Continue reading “Bullying: Another Form of Workplace Violence”
Each record of sensitive personal information stolen or compromised costs companies an average of $201. That adds up to $5.9 million for every organization that had a data breach.*
When people trust you with their personal information, they expect you to protect it. Continue reading “Why You Need A Data Management Plan”