Introduction

Welcome to our comprehensive insurance solutions tailored for nonprofit organizations in Michigan. At Rathbun Insurance we understand the unique challenges and needs of charitable organizations, and we're here to help protect your mission.

Insurance for 501(c)(3) Organizations

General Liability Insurance

Safeguard your organization against third-party claims for bodily injury, property damage, and more.

• Claim Example: At a fundraising gala, a guest slips on a wet floor, sustaining injuries. 
• Claim Example: While participating in a community canvassing event, a nonprofits volunteers accidentally damage a neighboring property.

Directors and Officers (D&O) Insurance

Protect your board members and officers from personal liability for decisions made on behalf of the organization.

• Claim Example: A major donor accuses the nonprofit board of mismanagement, asserting that funds were mishandled.
• Claim Example: The board of directors of a nonprofit is sued by stakeholders for alleged financial misrepresentation in the organizations annual reports.

Property Insurance

Ensure your organization's physical assets, including buildings and equipment, are covered in case of unexpected events.

• Claim Example: A nonprofits main facility suffers extensive damage in a fire, requiring reconstruction and repairs.
• Claim Example: All of a nonprofits computers are stolen from their office space.

Employee Benefits Liability

Covering errors or omissions in the administration of employee benefits programs.

• Claim Example: Due to an administrative oversight, a nonprofit fails to enroll and eligible employe in the health insurance plan. The employee incurs medical expenses.
• Claim Example: An employee relies on inaccurate information provided by the nonprofit regarding retirement benefits. The employee later discovers discrepancies and files a claim, alleging financial harm due to reliance on misinformation.

Volunteer Accident

Volunteers are one of the most important assets you have. With volunteer accident insurance you can help protect them financially in the event of an injury. 

• Claim Example: A volunteer slips and falls while setting up for a fundraising event, resulting in injuries.
• Claim Example: A volunteer participating in a community service project sustains an injury while performing manual labor.

Nonprofit Cyber Liability Insurance

Guard against cyber threats and data breaches that can compromise sensitive donor information.

• Claim Example: A nonprofit experiences a data breach, exposing sensitive donor information, including names and financial details.
• Claim Example: A cybercriminal targets a nonprofits fundraising database with ransomware, encrypting critical donor information.

Management Liability Insurance

Protect your organization and leaders from risks associated with political activities and advocacy.

• Claim Example: Leaders of a nonprofit engage in lobbying activities to support a particular cause. However, a rival organization alleges the nonprofit violated lobbying regulations, leading to a regulatory investigation.

Event Liability Insurance

Coverage for events and activities organized by your 501(c)(4) organization.

• Claim Example: During a nonprofits charity run, a participant trips and falls, sustaining injuries.
• Claim Example: At a nonprofits gala dinner, a guest accidentally knocks over an expensive piece of artwork on display, causing damage.

Employment Practices Liability

Safeguard against claims related to employment practices, discrimination, and wrongful termination.

• Claim Example: An employee alleges wrongful termination, claiming it was based on discrimination.
• Claim Example: An employee files a complaint alleging workplace harassment by a supervisor.

Insurance for 501(c)(4) Organizations

Explore insurance solutions designed for the unique characteristics of 501(c)(4) nonprofit organizations in Michigan. At Rathbun Insurance, we recognize the importance of advocacy groups and their distinctive insurance needs.

General Liability Insurance

Safeguard your organization against third-party claims for bodily injury, property damage, and more.

• Claim Example: At a fundraising gala, a guest slips on a wet floor, sustaining injuries. 
• Claim Example: While participating in a community canvassing event, a nonprofits volunteers accidentally damage a neighboring property.

Directors and Officers (D&O) Insurance

Protect your board members and officers from personal liability for decisions made on behalf of the organization.

• Claim Example: A major donor accuses the nonprofit board of mismanagement, asserting that funds were mishandled.
• Claim Example: The board of directors of a nonprofit is sued by stakeholders for alleged financial misrepresentation in the organizations annual reports.

Property Insurance

Ensure your organization's physical assets, including buildings and equipment, are covered in case of unexpected events.

• Claim Example: A nonprofits main facility suffers extensive damage in a fire, requiring reconstruction and repairs.
• Claim Example: All of a nonprofits computers are stolen from their office space.

Employee Benefits Liability

Covering errors or omissions in the administration of employee benefits programs.

• Claim Example: Due to an administrative oversight, a nonprofit fails to enroll and eligible employe in the health insurance plan. The employee incurs medical expenses.
• Claim Example: An employee relies on inaccurate information provided by the nonprofit regarding retirement benefits. The employee later discovers discrepancies and files a claim, alleging financial harm due to reliance on misinformation.

Volunteer Accident

Volunteers are one of the most important assets you have. With volunteer accident insurance you can help protect them financially in the event of an injury. 

• Claim Example: A volunteer slips and falls while setting up for a fundraising event, resulting in injuries.
• Claim Example: A volunteer participating in a community service project sustains an injury while performing manual labor.

Nonprofit Cyber Liability Insurance

Guard against cyber threats and data breaches that can compromise sensitive donor information.

• Claim Example: A nonprofit experiences a data breach, exposing sensitive donor information, including names and financial details.
• Claim Example: A cybercriminal targets a nonprofits fundraising database with ransomware, encrypting critical donor information.

Management Liability Insurance

Protect your organization and leaders from risks associated with political activities and advocacy.

• Claim Example: Leaders of a nonprofit engage in lobbying activities to support a particular cause. However, a rival organization alleges the nonprofit violated lobbying regulations, leading to a regulatory investigation.

Event Liability Insurance

Coverage for events and activities organized by your 501(c)(4) organization.

• Claim Example: During a nonprofits charity run, a participant trips and falls, sustaining injuries.
• Claim Example: At a nonprofits gala dinner, a guest accidentally knocks over an expensive piece of artwork on display, causing damage.

Employment Practices Liability

Safeguard against claims related to employment practices, discrimination, and wrongful termination.

• Claim Example: An employee alleges wrongful termination, claiming it was based on discrimination.
• Claim Example: An employee files a complaint alleging workplace harassment by a supervisor.

This webpage provides a clear structure, outlining the specific insurance coverages relevant to each type of nonprofit organization in Michigan. It's important to regularly update the content to reflect any changes in regulations or new insurance offerings.