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FOR A NOT-FOR-PROFIT ORGANIZATION, unexpected financial losses can threaten everything—its assets, its bottom line, even its survival. That’s why Eastern Shore Associates has, for over 25 years, specialized in insurance specifically tailored for not-for-profits, including:

Community organizations YMCA / YWCA's Clubs Civic Organizations Meals on Wheels Trade Associations Religious Organizations Charities Foundations Social Welfare Organizations and much, much more.   FREE, NO-OBLIGATION CONSULTATION AND QUOTATION For over 25 years, Eastern Shore Associates has specialized in all types of insurance for not-for-profits.  We have an entire division that does nothing but handle public sector and not-for-profit clients.  It's fair to say that we have become the experts in the field.  Why not let us put that expertise to work for you?  We build comprehensive, complete, competitive programs each and every day.

If you run a not-for-profit, then you know that you aren't immune to the risks faced by your for-profit counterparts.  You likely have some property that needs to be covered and if you have paid staff, you need workers compensation.  However, you may need some specialized coverage, such as:

• EMPLOYMENT PRACTICES LIABILITY - People often assume that a general liability policy will protect an organization for virtually any type of lawsuit.  However, most general liability policies exclude claims relating to employment related claims like sexual harassment, age discrimination, race or gender discrimination, and hostile workplace.  If you don't carry employment Practices Liability, you likely have no coverage for these types of losses.

• DIRECTORS AND OFFICERS LIABILITY - Similarly, people often assume that if they serve on a board, the entity's GL policy will protect them if the entity is sued.  There are a whole host of specif claim scenarios addressed by a D&O policy, including allegations of:

  • Mismanagement of funds

  • Failure to fulfill fiduciary duties

  • Self dealing

  • Anti-trust complaints

  • Membership complaints and discrimination

Even if the suit is frivolous, you will need a company there who will provide for a defense.  Coverage typically extends to non-employee boards, volunteers and employees.

• CRIME EXPOSURES - Who is handling the money in your organization?  What happens if you find that one of your employees have been embezzling funds for years?  Do you have coverage?  What happens if the board is accused of mismanaging funds and failing in it's fiduciary responsibilities?  Do you have coverage for that?
   

INSURANCE COVERAGE FOR ALL YOUR NEEDS

Eastern Shore Associates offers all types of insurance for not-for-profits, including:

• Property

• General Liability

• Directors and Officers

• Automobile

• Employment Practices

• Workers Compensation

• Disability

• Crime

• and more.

We invite you to talk with us about your current insurance program and let Eastern Shore Associates focus on managing risk for you.  At Eastern Shore, service is our business.

For a free, no-obligation consultation and quotation, fill out the form below to have one of our not-for-profit insurance specialists contact you to arrange a comprehensive insurance coverage analysis for your organization.

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