Protecting Nonprofits in San Antonio and Universal City, TX
Nonprofits perform functions that are sometimes not unlike those that for-profit organizations perform. Nonprofits work with vulnerable populations, put on fundraising events, transport needy individuals, employ social workers, and other projects. Performing these functions exposes nonprofits to significant and diverse risks, including claims of libel, slander, and/or privacy violations; inventory theft; visitor injuries; and structural damages. For this reason and others, nonprofits need specialized and comprehensive protection, and insurance provides this protection. At Bluebonnet Insurance we offer a broad and adaptable nonprofit insurance program that keeps almost any nonprofit completely covered for the right price. We custom-tailor policies that we write through this program to the needs of individual clients and we will tailor a solution to your organization.
Extended and Specialized Coverages for your Operation
Nonprofit insurance is often similar to business insurance since many of the coverages in nonprofit insurance policies are similar to or identical to the coverages in business policies. However, nonprofit coverages have variations that some business coverages do not, and these variations are among the distinguishing factors of nonprofit insurance.
General liability, directors & officers (D&O), and employee benefits are all unique for nonprofits. For example, D&O is often flat rate for nonprofits because nonprofits tend to operate on restricted budgets. For businesses, D&O is less frequently flat-rate. Nonprofit insurance also comes with companion programs like participant/volunteer accident and commercial property, each of which is also unique. At Bluebonnet Insurance we help you find the coverages that are best for your organization and we help you establish the right limits, rates, and deductibles.
We’re an independent agency so we work with a variety of different insurance carriers, and as a result we offer you the best selection of coverage options. These options make it possible to optimize your insurance plan and to get the most value from your insurance investment.
The coverage options available to you include:
- Business property
- Business liability
- Counseling professional liability
- Directors & Officers (D&O)
- Flat Rate D&O
- Improper sexual conduct
- Employee benefits liability
- Business auto
- Non-owned/hired auto
- Umbrella liability
- Auto physical damage (NIAC)
- Participant/volunteer accident
- Employee dishonesty
- Boiler and machinery coverage
- Equipment breakdown
Nonprofits that we insure include:
- Arts and cultural organizations
- Community health clinics
- Counseling centers
- Educational societies
- Environmental conservation organizations
- Foundations and fund-raising organizations
- Historical societies
- Mental health facilities
- Parent-teacher associations
- Professional organizations
- Shelters for the homeless, elderly, families, battered women, and teens
- Special needs schools
One thing that we remember whenever we write a nonprofit insurance policy is that nonprofits need stable pricing. This is why we help you identify discounts and benefits that help you save. We also ensure that your rates reflect the capabilities of your organization. This way, you pay only what you must for the best possible protection.
Why work with Bluebonnet Insurance?
We’ve insured nonprofits in South-central Texas for decades and as a result we know how to create an optimal solution. We’re local so we understand the demands that nonprofits face and we know how to meet these demands. Combined, our knowledge and experience enable us to deliver the best solutions and to deliver these solutions quickly and efficiently.
We provide more than products as we give each client extensive and personalized services. We manage risk and claims and we keep clients informed. This makes it possible for clients to reduce costs, achieve suitable claims resolutions, and make the best decisions. We’re also fully available, which means that whenever we’re needed, we’re there. Whether you need help resolving an emergency, changing coverage, and/or answering questions, we’ll help you.
Bluebonnet Insurance is proud to provide nonprofit insurance in San Antonio, Universal City, Selma, Schertz City, Floresville, and Boerne, TX. We also serve other areas in the state and we serve Alabama, Mississippi, and New Mexico.