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Non-Profit Insurance in Troy and Piqua, OH

All modern businesses require some form of insurance related to their specialized industry, and non-profit businesses are not different. Just because your company isn't focused on making profits does not mean it doesn’t require business insurance. In fact, non-profit companies can face unique risks. As noted by Risk Management, many nonprofits lack Directors and Officers Liability Insurance, which helps protect board members from personal liability if a lawsuit is brought against the non-profit.

Board members aren't the only ones at risk. If your non-profit's funds are drained, it can be hard to continue your normal operations until you can acquire more funding. Donors may be hesitant to continue supporting any non-profit that's fallen into legal or financial trouble.

Not-Profit Insurance Features

Common choices for non-profit insurance coverage include:

  • Property Insurance: Whether a non-profit owns or leases the property it uses, the property itself often plays a vital role in the non-profit’s operation. Damaged or destroyed property could prove catastrophic for a non-profit’s operations.
  • Fidelity Insurance: Unfortunately, some employees take advantage of their position and embezzle funds. This part of non-profit insurance provides coverage in the event of such losses.
  • Commercial Auto Insurance: For non-profits that rely on vehicles to transport goods or employees, ask about commercial auto insurance coverage, freight, and/or cargo insurance for businesses that transport high volumes of goods.
  • Accident Insurance: Many non-profits work closely helping people in their communities. Unfortunately, both employees and customers can be vulnerable to falls and other injuries. It's important to have coverage in the event that they're hurt.

This list is not exhaustive. Just like for-profit businesses, non-profits can engage in many different types of work. There is no single policy that's capable of covering every area of concern. Before buying any kind of non-profit insurance, talk to a Koverman Staley Dickerson Insurance Agency agent about what your organization does, where it operates, and what sort of risks you might be exposed to. We'll work with you to find the best possible plan for your needs and your budget.

Requirements for Non Profits

Before you're offered coverage, you may be asked to provide some of your records. This may include a list of any legal claims your organization has faced in the past and any hazardous behaviors the company engages in (no matter how charitable those behaviors are). This helps with our risk-assessment process and ensures that the policies we offer are enough to protect your organization in the event that one or more of them is needed.

 

1. Trefry, John. "Nonprofit Management Faces Liability Risks." Risk Management. September 1, 2014. Accessed April 14, 2016. http://www.rmmagazine.com/2014/09/01/nonprofit-management-faces-liability-risks/.

Our Locations

Troy Office (Main Location)

1106 W. Main St.
Troy, OH 45373
Main office: 937-315-4344
Toll free: 800-837-4119
Fax: 937-339-3916

Piqua Office (Main Location)

500 N. Wayne St.
Piqua, OH 45356
Main office: 937-317-4187
Fax: 937-773-1738

Covington Office

16 E. Wright St.
Covington, OH 45318
Main office: 937-528-1095
Fax: 937-473-0331

New Carlisle Office

128 N. Main St.
New Carlisle, OH 45344
Main office: 937-401-8873
Fax: 937-845-3598

Tipp City Office

5860 Suite D. S. Co. Rd. 25A
Tipp City, OH 45371
Main office: 937-506-8496

Our Providers

Testimonials

It was January 26, Carla’s birthday. While visiting her mother that day, in Dublin, Ohio, she got a call that our home was on fire. When she arrived home, an hour and a half later, the firemen were still there and so was our insurance agent, Joe Dickerson. Joe was nothing but comforting and supportive that day, as was our whole experience with Koverman Dickerson Insurance. As we would never have known what to do next, Joe had already started the process of restoration. Within hours Chris Morgan of Cincinnati Insurance and Mike Stacy of Airway Construction and Restoration were at the house assessing the damage, sealing off the roof (snowy, 19 degrees) and working late into the night to make sure the house was secure before they left the property. Everyone was prompt, thorough, and followed through until our home was restored in excellent condition. Through the whole process we never worried about our living arrangements, our house, or our property. All of the payments were made to all parties involved in the restoration process in a very timely manner. Even though this was a difficult experience, Joe Dickerson, the Koverman Dickerson family, Cincinnati Insurance, and Airway Construction have provided comfort, support, and wonderful service.

Carla and Gary Wilber - Wilber Fire
The staff at Koverman Staley Dickerson Insurance have always taken care of my insurance needs. They have advised me on how to best protect my family, home, business and employees. I appreciate having a local agent who I can talk to face to face when I have questions. I know them, I trust them and they work hard for me.

Vic Haddad - Trojan Auto Care
Here at Milcon Concrete, we have been a client of Koverman Dickerson Insurance since 1995 and have been very satisfied with their service. We have found them to be very customer driven and helped us expand our business by over 50%. In the construction industry it is very important to have an insurance agent that understands the business and reacts to the ever changing environment. Koverman Dickerson has proven to be a great partner over the years and I would recommend them to anyone. It is hard to find companies that respond to your needs with as much diligence and care as they do.

Mark Miller - Milcon Concrete