Protect Your Cause with Fundraising Insurance
When you’re organizing a spring fundraiser, you’ll need to consider different types of insurance to protect your event, organizers, and participants. Liability insurance will be a key part of your fundraising insurance to protect you against lawsuits.
As the host or organizer of a spring or summer fundraiser, whether it’s in an office, a private residence, or a rented venue, you face liability risks that could be financially damaging.
Western Financial Group, a 100% Canadian company, can help you navigate your car, home, boat, and business insurance during this period of economic uncertainty.
Here’s a breakdown of fundraising insurance coverage for your events:
General liability insurance
General liability insurance is the most common liability insurance for any fundraising event. It protects against third-party injuries or property damage (attendees/suppliers) that might occur during the fundraiser and lead to a lawsuit. For example, if a guest slips, falls, and gets injured or if there is damage to the venue, this insurance can help cover those costs and legal fees.
Event cancellation insurance
This type of insurance coverage is helpful if the fundraiser needs to be canceled or rescheduled due to unforeseen circumstances like weather or other emergencies. It can help recover costs and lost revenue.
Liquor liability insurance
If alcohol is served at your fundraising event, this insurance is essential. Liquor liability insurance protects against legal claims resulting from the actions of intoxicated guests, such as accidents or injuries.
Property insurance
Property insurance covers any damage or theft of equipment, supplies, or rented property like tables, tents, sound systems, etc., at your event.
Non-profit directors and officers (D&O) liability insurance
If the fundraiser is organized by a nonprofit, D&O insurance can protect the organization's directors and officers from personal liability in case of a lawsuit.
Auto insurance
If the event involves transportation of supplies, donations, or participants, having commercial auto insurance is recommended. Your personal car insurance isn’t likely to cover an accident in this kind of situation.
Cyber liability insurance
If your event has online fundraising or ticket sales, cyber liability insurance is essential to protect against data breaches or other cyber risks.
Crime insurance (Embezzlement coverage)
- Protects against theft, fraud, or embezzlement of funds raised during the event.
- Essential for handling cash donations or sales at fundraising events
These fundraising insurance policies will depend on the size, location, and nature of your spring or summer fundraiser.
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