Nonprofits run amazing events. But even charity events face real liability.
And one lawsuit can wipe out years of fundraising.
Common Risks
Volunteer injuries, alcohol claims, rented venues, auctions, and public crowds.
Required Coverages
General Liability — Covers attendee and volunteer injuries, property damage.
Liquor Liability — Required if serving alcohol at galas or fundraisers.
Cancellation — Protects against weather, venue issues, speaker cancellations.
Volunteer Coverage — Extends protection to unpaid helpers.
Equipment — Covers rented items, auction equipment, AV systems.
Special Considerations
Certificate wording for sponsors. Donated equipment coverage. Weather backups for outdoor events.
Budget-Friendly Options
Many insurers offer nonprofit discounts. Annual policies can be more cost-effective for organizations hosting multiple events per year.
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