Your nonprofit organization makes a difference. Nonprofit insurance from Landmark protects your organization, property and people to let you focus on your mission.  We know first-hand – our senior staff has managed municipal risk pools and programs.

All business entities 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 Magazine, 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.

Landmark knows that Public entities like municipal governments, special districts and educational institutions are the backbone of state and local infrastructure.

They exist to serve our communities, making them safer, creating order and providing opportunities to learn and grow. The expansive role public entities play puts them at unique risk for exposure.

Landmark offers a robust workers’ compensation solution for public entity clients, with coverage spanning primary exposures, as well as excess and reinsurance placements.

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 Landmark RMS 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.

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.

There are multiple “components” that make up a solid Restaurant Insurance policy. Different companies may offer these as a “bundle” while with others they are a’ la carte.

General Liability Insurance

This coverage is going to protect you from a variety of potential claims. Some of these examples can be bodily injury, property damage, personal injury and others that can potentially come up if you are found negligent.

Workers Compensation Insurance?

What happens in the event you are unable to open your restaurant due to a claim? This in most cases would cause a major hardship for you as a business owner. You wouldn’t be able to serve your customers which in turn means no income coming in.

This is where Loss of Income Insurance is imperative. This coverage would allow you to have a “back up” plan in the event you were unable to generate an income due to a covered loss.

Property Damage

This would allow you coverage for damage to your building, inventory, or equipment. Most policies would offer you a replacement cost coverage to these items so you would be able to repair or replace these items for today’s cost.

To make sure you have replacement cost coverage on property it is important to check with your independent insurance agent.

Crime and Vandalism Coverage

This would cover you in the event you had a claim due to a burglary, robbery, employee theft, or any vandalism to the property.

Here are a few examples of clients we work with and make sure their business are protected:

• Local Restaurants
• Food Trucks
• Catering Companies
• Food Delivery Restaurants
• Ice Cream Trucks
• Bars
• Cafeterias
• Local Diners

The list can go on and on.

So how do you know if a restaurant liability policy is a good fit for your business?

We always would recommend you calling a local independent insurance agent like us, and discussing your coverage options. Our agency can work with you in finding the perfect fit for your restaurant insurance needs.

Landmark RMS has the knowledge and expertise to properly insure your commercial trucks and trailers. As a private carrier, you are responsible for hauling goods in your own truck for your company or employer. Whether you’re working in construction, excavation, manufacturing, or any other private carrier capacity, we have truck insurance solutions for you.

Finding policies can be confusing and you might not know if you’re getting what you need. We make it simple and never try to sell you “extra” coverage you don’t need.

Landmark RMS can help you achieve the best rates, only the coverage you need, and superior ongoing support.

Commercial trucking insurance is similar to commercial auto insurance in basic coverage, such as liability, comprehensive, collision and other types of coverage that are specific to business vehicle use.  A commercial trucking policy is designed to protect your business from significant losses that could affect your company’s financial well being.

Commercial trucking insurance policies combine several different types of coverage – some are required and some are optional. A typical policy includes some combination of the following:

Primary Liability

Every trucker/trucking company who operates under their own authority is required to carry primary liability coverage on all owned units and either provide this insurance for their leased vehicles or ensure that the leased operator carries it on their own.  Generally, the motor carrier provides this coverage for the leased operators but there are rare instances when this is not the case.

Provides coverage for repair or replacement due to damage resulting from a covered loss (collision, fire, theft, hail, windstorm, earthquake, flood, mischief, or vandalism) to owned vehicles.

Provides coverage for loss or damage to the property a truck is transporting (the load). Generally, though not always, provided by the motor carrier for leased operators.

• Many cargo categories available
• Limits up to $250,000
• Deductibles from $0 to $5,000
• Reefer Breakdown

Landmark RMS insures many different types of contractors from Landscapers, Electricians, Carpenters, and many more!

There are many types of independent contractors who all need independent contractors liability insurance and other coverage to match their specific risks. Some of the professionals that need contractors insurance include:

• Independent construction contractors
• Plumbers, carpenters, electricians and painters
• Repair people
• House and carpet cleaners
• Freelance writers, editors and graphic designers
• Independent hair stylists, and salon professionals
• Horse or dog trainers
• and more…

Don’t underestimate your risk

Getting the right independent contractors liability insurance in place can  protect you from lawsuits, mishaps and third party property damage that can devastate your business.

Normally, you will need a few different categories of coverage for complete liability protection:

• General liability: The foundation of all contractor insurance coverage is a general liability policy. This coverage will provide two types of protection:
  • Bodily injury: Provides coverage if you or someone you employ causes injury or death to a third party during the course of work. It provides for medical care for the injured person and covers your legal defense if you are sued for damages.
  • Property damage: Provides coverage if you or one of your employees causes damage to property belonging to others. This includes the building or property you are working on or any third-party property.
• Completed operations/product: Provides coverage in case a project you finished has an issue or causes damage. It can also extend to any products you sell or distribute.
• Advertising personal injury: Covers the risk of damaging another’s reputation or causing a loss through slander, libel or false advertising claims.
• Contract liability: This covers you in a contract dispute. It is not always included in general liability coverage so verify that you carry this coverage with your insurer.

The specific independent contractors liability insurance coverage you need will be unique to your business. By working with a Landmark RMS agent, you can ensure that you don’t have critical gaps in coverage that could leave you exposed to expensive legal claims.