georgia protecting your vision the small nonprofit’s guide to insurance communities in schools...
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Georgia
Protecting Your Vision
The Small Nonprofit’s Guide to InsuranceCommunities in Schools Georgia Network
Georgia
Why• To Keep You Doing the Work You Do
• To Raise Your Standards
• To Protect Your People
• To Attract Quality People & Partners
• To Acknowledge You’re in a Risky Business
• To Make Good on Your Commitment to Care
Georgia
WHY?
• To Keep You Doing the Work You Do
Georgia
WHY?
• To Raise Your Standards
Georgia
WHY?
• To Protect Your People
Georgia
WHY?
• To Attract Quality People & Partners
Georgia
WHY?
• To Acknowledge You’re in a Risky Business
Georgia
WHY?
• To Make Good on Your Commitment to Care
Georgia
WHY?
• To Keep You Doing the Work You Do
GeorgiaWhat Coverages are Relevant to Small Nonprofits?
• To defend your people
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
GeorgiaWhat Coverages are Relevant to Small Nonprofits?
• To defend your people
• To protect your stuff
• To protect your people
• Against bad things that might happen
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
What?• To defend your people
General Liability
Professional Liability
Abuse and Molestation Liability
Auto Liability
Directors & Officers Liability
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
What?• To protect your stuff
Property Insurance – Your Buildings and Contents
Crime Coverage – Your Money
Data/Cyber Coverage – Your Data
Auto Physical Damage – Your Vehicles
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
What?• To protect your people
Workers Compensation
Accident Insurance
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
The Tough Part
How do you actually find and purchase coverage?
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
Getting Started• Where do you typically get info on a project that you know
nothing about?
Ask Your Professional Network
Ask Google
Pick the brains of people and resources you trust
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
How?• Your Plan – 3 List Method
List the People List the Stuff List the Bad Things that Can Happen
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
How?
Finding the Right Company Your professional network
Google: ‘Insurance for nonprofits’
Specialty program for nonprofits
Create a list of potential companies
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
How?
Finding the Right AgentYour professional network
Google: ‘Georgia nonprofit insurance agent’
Create a list of potential agencies
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
How?
Making Contact• Call or email insurance companies
• Call independent agents
• Ask agents about nonprofit experience
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
How?
Talking to an Agent• Have your lists (people, things, companies, etc.)
• Let them ask questions
• Tell them what you think you need
• Listen
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
How?What to Expect• Prepare to Divulge – Applications
• Budget more $$$ than you expect
• Budget more time than you expect
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
How?
Review OptionsDiscuss with trusted advisors
Match coverages with your listsAddress your people?Address your stuff?Address the bad stuff that can happen?
Make a decision!
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
How?
Summary:1. Identify what (and whom) you need to cover
2. Identify insurance companies and agencies
3. Make contact
4. Give good information
5. Budget time and money
6. Review options
Brett Cohrs, Hamby & Aloisio
www.nonprofitinsuranceblog.com, @BrettCohrs
Georgia
Questions?
Brett Cohrs
Hamby & Aloisio, Inc.
Contact & ConnectFacebook: https://www.facebook.com/BrettCohrsInsuranceServices
Twitter: @BrettCohrs
LinkedIn: http://www.linkedin.com/in/brettcohrs
Blog: www.nonprofitinsuranceblog.com
Web: www.socialserviceinsurance.com & www.hains.com