If the organisation manufactures, distributes, or sells goods, product liability insurance is crucial. It provides coverage in case your products cause harm or illness to consumers.

Non-profit organisation often host events such as fundraisers, workshops, concerts, or sports activities. Event insurance provides cover for potential liabilities, accidents, property damage, or event cancellations. It may also include coverage for event organisers and volunteers.

If the non-profit organisations offer professional services or advice, such as counselling, education programs, or recreational instruction, professional indemnity insurance (also known as errors and omissions insurance) may be necessary. It protects against claims of negligence, errors, or omissions in the provision of these services.

This insurance protects the community center’s board members, directors, and officers from legal claims alleging wrongful acts, errors, or omissions in their management decisions or actions. It covers defense costs, settlements, or judgments arising from these claims.

If the community centre or other non- profit organisation employs staff or has volunteers, this type of insurance is typically required by law. It provides cover for work-related injuries or illnesses suffered by employees or volunteers and covers medical expenses, lost wages, and rehabilitation costs.

Property insurance covers damage or loss to the buildings, equipment, furniture, and other physical assets. It can protect against risks like fire, theft, vandalism, or natural disasters. Ensure that the policy covers all necessary property and consider coverage for specialised equipment or valuable items.

Provides coverage for legal costs in case of disputes or legal issues.