Connect coverage to the actual operation
Fundraising events can range from small auctions to large galas, races, festivals, and community activities. Nonprofit status does not remove liability exposure. The event, contracts, volunteers, vendors, participants, alcohol, property, and money-handling practices should be reviewed.
Risks to review
- Guest, volunteer, participant, donor, or vendor injury allegations
- Alcohol, food, auctions, raffles, games, and entertainment
- Cash, donations, payment systems, cyber, and crime exposure
- Weather, cancellation, rented property, and venue damage
Information to prepare
- Organization, event purpose, dates, venue, attendance, and budget
- Activities, alcohol, food, volunteers, vendors, and participants
- Contracts, permits, additional insureds, security, and medical plans
- Money handling, online registration, rented property, and prior events
Frequently asked questions
Does a nonprofit's annual policy automatically cover every event?
Do not assume it does. Event type, location, participants, alcohol, vendors, activities, limits, and policy exclusions should be reviewed.
Are volunteers treated the same as employees?
Not necessarily. Their status can affect liability, injury, auto, and other coverage. Actual duties and policy definitions matter.
Coverage descriptions are general. Eligibility, availability, limits, deductibles, valuation, exclusions, and policy terms vary by operation and insurance market. Actual policy documents control.