Build the file for the organisation that runs on trust.
One liability claim can end a small society, and the volunteers on the board can be named personally in the same action. The quote is priced on specifics: the programs, the screening, the events, what the funders require. This asks exactly those, one question per screen, and shows you the whole file before anything leaves.
Review it the way you would read a grant application before signing. Correct what needs correcting, then move it to the form and choose how the reply arrives.
What a complete non-profit and association file includes.
Cover for organisations is priced on the questions below, and a file that answers them all gets a real quote on the first pass.
The organisation, plainly
Charity, society, association, union, faith group, sports club. Each one has insurers that know it well, and the file starts by saying which it is.
The programs
Children, vulnerable adults, sport, food, driving. These are the lines insurers look at deliberately, and the file names them instead of hoping.
The screening
When programs involve children or vulnerable adults, criminal record checks are the first thing an insurer asks about. The file answers before the question.
The events
How often the organisation meets the public, and whether alcohol is served. Events are where liability usually starts.
The board
Directors and officers cover protects board members personally. Volunteering does not remove that exposure – it is the reason to cover it.
The funder wording
Grant agreements and leases often name exact insurance amounts. A policy that matches the wording keeps the funding unblocked.
The space and the budget
Owned, leased, borrowed or none, and the budget band – enough to place the file with the insurers that want this class.
The record, told first
Claims and any decline or cancellation. All workable when they arrive from you, and all worse when they arrive from a database.
General liability, directors and officers, property, abuse and participant liability, event cover – what you pick at the end is what the quote comes back showing, priced line by line.
Read by the desk that knows what a board signs up for.
Organisation files go to the commercial desk and get read whole, not skimmed. The reply arrives the next business day, and usually the same day – email, phone, or a time to come in, chosen by you on the form.