When it comes to coverage - go beyond the obvious.

Here are the top five coverages, besides the obvious auto and property insurance, that nonprofits should strongly consider:

1. General Liability Insurance
   This coverage is essential to protect your nonprofit from claims related to third-party bodily injury, property damage, or personal injury. Whether it's a visitor slipping and falling at an event or a volunteer accidentally damaging someone’s property, general liability ensures you're covered for legal fees, medical expenses, and settlements.

2. Directors and Officers (D&O) Liability Insurance
   D&O insurance protects board members, directors, and officers from personal liability for decisions made on behalf of the organization. Without it, individuals could be personally sued for claims alleging mismanagement, wrongful acts, or breach of fiduciary duty, putting their personal assets at risk.

3. Employment Practices Liability Insurance (EPLI)
   Nonprofits, like any employer, can face lawsuits related to employment practices. EPLI covers claims of wrongful termination, discrimination, harassment, and other employment-related issues. With the complexities of managing employees and volunteers, this coverage is crucial to protect against costly legal battles.

4. Professional Liability (Errors & Omissions) Insurance
   If your nonprofit provides any form of advice, counseling, or professional services (such as educational programs, social services, or consulting), this coverage is vital. It protects against claims of negligence, errors, or omissions that could arise from the services provided, ensuring your nonprofit isn't held liable for mistakes or misunderstandings.

5. Cyber Liability Insurance
   In today’s digital world, data breaches and cyberattacks are increasingly common. Cyber liability insurance helps protect your nonprofit from the fallout of a data breach, including legal costs, notification expenses, credit monitoring for affected individuals, and even ransomware demands. This is especially important if your organization handles sensitive donor or client information.

These coverages go beyond the basics and ensure your nonprofit is fully protected from a wide range of risks—many of which can be easy to overlook but are critical to the long-term health and safety of your organization.