What is it?

Professional Liability Insurance protects you, your employees, and your organization from any allegations of errors, omissions, or negligence committed within the scope of your professional activities as an Association Management Company. It’ll cover your damages—legal expenses, administrative costs, and court settlements—EVEN if the claims made against you are groundless.

Why do we recommend it?

AMCs manage various aspects of associations, such as financial management, membership services, governance and event planning. Mistakes or oversights in these areas—like mismanaging funds, failing to meet regulatory requirements, or providing incorrect advice—can lead to lawsuits or financial losses for clients. Unlike many off-the-shelf policies that exclude these services, PROLINK’s Professional Liability Insurance is customized for the unique risks faced by Association Management Companies and will provide AMCI Canada members with the protection they need. 

What is it?

Cyber Insurance protects your organization and offsets your losses in the event of a breach, like if your non-profit’s information is stolen or exposed by a hacker, or accidentally released by a staff member. This policy typically includes the following coverages:

• Legal coaching on how to handle the breach with privacy regulators;
• Funds for credit monitoring and client notification costs;
• Funds for court-awarded damages and legal fees in case of a civil suit; and
• Public relations services to manage any reputational fallout from the breach.
  

Highlights include:

• Coverage for First Party Liability Expenses when a breach happens at your own organization. Your policy will provide coverage for expenses associated with: Event Response Services, Crisis Management and PR, Network Business Interruption, Digital Asset Restoration, Ransomware and Cyber Extortion, Computer Replacement, and more.
• Coverage for Third-Party Expenses in the event that you’re sued by a third-party whose data was compromised in the breach. This includes costs associated with Network and Information Security, Regulatory Defence and Penalties, Multimedia Liability, Payment Card Industry Fines, and Penalties, and more.

Why do we recommend it?

As cybercrime grows in frequency and scale, it’s never been more important to keep you, your stakeholders, and their information safe. The potential of a privacy breach—and the cost of recovery—have never been higher. And given their access to sensitive donor information and financial data, non-profits are particularly vulnerable. While attacks on major corporations dominate headlines, sophisticated hackers know that non-profits might not have the resources or IT support to implement complex cybersecurity. 

Human error is another major risk factor; non-profits tend to have a high turnover and limited ability to train people on best practices. Additionally, volunteers aren’t always protected behind a corporate firewall and security shortcuts by distracted or unaware staff members can have major repercussions. Misplaced devices, working from a public Wi-Fi or personal server, or even accidentally clicking the wrong link can open the door to social engineering scams, funds transfer fraud, ransomware attacks, and more.

If client or donor information is exposed and you’re found at fault, your organization could be fined up to $100,000 under Canadian privacy laws. Then there are indirect costs of remediation, like client notification, investigation, business interruption, operational downtime, and legal fees. Even worse? The reputational harm alone could be devastating, especially if you don’t take swift action or notify affected parties right away. Once you’ve lost that trust, it won’t be easy to regain or attract donors.

That’s where Cyber Insurance comes in. A dedicated policy won’t just offset your losses; it’ll provide access to breach remediation services. Depending on your coverage, your insurance company might offer network monitoring or oversight to keep track of external cyber threats, alerting you immediately to any high-risk activity. In the event of a security incident, they’ll also connect you with the professional help you need to manage, and recover from the breach—resources you might not otherwise have without your policy.

That way, you can respond swiftly, maintain operations, and continue your mission. You get ahead of security incidents without losing momentum or taking a massive reputational hit. Above all, you can stay resilient in the face of attack. Learn more by visiting our Cyber Toolkit below.

What is it?

Event Liability Insurance protects event organizers from third-party claims of property damage, bodily injury, and personal injury that may occur during an event. If an attendee, delegate, volunteer, employee, exhibitor, vendor, or other third-party were to slip-and-fall or have an alcohol-related incident at an event, your policy would cover your legal fees, damages, and settlements, whether or not the claims were groundless.

Highlights include:

• Covers various types of events, from small gatherings and extracurricular social events, to large-scale conferences, conventions, galas, fundraisers, and more;
• Protection for events outside of Canada;
• Coverage extension for the event host;
• Flexible policy periods to account for the event duration, including set-up, and clean-up;
• Can be tailored to cover specific risks (e.g., alcohol, pyrotechnics, sporting events, adventurous activities, etc.);
• Option to add third-parties, like the venue, as an additional insured upon request.

Why do we recommend it?

In the world of non-profits, event planning is more than just a task; it’s an essential part of the job. But let’s face it: no matter how careful you are, every event needs a back-up plan. After all, accidents happen—but your organization shouldn’t have to pay the price.

Depending on the size and the nature of the event, your Commercial General Liability (CGL) Insurance policies might not always cover you. These policies tend to exclude certain types of events and vendors, leaving gaps in coverage that could turn into costly headaches. Plus, sometimes, exhibitors, contractors, and even the venue itself might require proof of insurance to cover their own bases before agreeing to participate.

With Event Liability Insurance, you can meet venue and vendor requirements, shield your reputation from unforeseen mishaps, and prevent the hard work that went into crafting your event from being derailed by lawsuits. You can also preserve your financial stability and ensure that the event revenue your organization depends on remains allocated to your mission instead of being eaten up by legal expenses. Coverage can begin as early as the first day of onsite setup, giving you comprehensive protection throughout the planning and execution process.

What is it?

Commercial General Liability (CGL) Insurance will protect your organization from third-party claims of bodily injury, property damage, and reputational harm caused by your professional activities or company operations.

Highlights include:

• Legal fees, court-awarded damages, and out-of-court settlements;
• Personal or advertising injury (i.e., libel or slander);
• Medical payments coverage;
• Tenant’s legal liability;
• Non-owned automobile coverage;
• PLUS our policy automatically extends up to $5M Event Cancellation coverage for smaller, low-risk events with less than 1,000 attendees and expenses under $25,000 (for larger events, we recommend a standalone Event Cancellation Insurance policy);
• And more!

Why do we recommend it?

CGL Insurance will protect you from common risks that all organizations face regardless of size, trade, or industry. Whether your non-profit is large or small, online or on the ground, you could be liable if any kind of damage or injury to a client, vendor, supplier, or other third-party is traced back to you or your staff. And keep in mind: as a non-profit, you’re often reliant on volunteers, contractors, and employees who might not always act as you wish, putting your finances and reputation at risk.

Plus, it’s not just the general public you have to worry about; if a delivery person were to slip and fall on your premises while dropping off a package, you could be held liable. These claims are so common that CGL Insurance is typically required to obtain government funding or secure vendor contracts. You’re particularly vulnerable if you or your staff:

What is it?

Property Insurance protects your physical assets from damage, loss, or theft, including buildings, equipment, furniture, inventory, supplies, and more.

Why do we recommend it?

Whether you own, lease, or rent commercial space or run your non-profit from home, your general liability or homeowner’s policies won’t reimburse you for any damage to your office contents assets following a break-in, fire, or other disaster. And without proper coverage, the impact of repair and replacement costs alone could strain your organization, especially if you lose any valuable equipment, files, or key documents that are necessary for operations.

Property Insurance can help you safeguard the investment that you’ve poured into your non-profit by covering the cost of repairs and replacements, allowing you to resume activities without significant disruption.

What is it?

Professional Liability Insurance protects you and your organization from any allegations of errors, omissions, or negligence committed within the scope of your professional activities. It’ll cover your damages—legal expenses, administrative costs, and court settlements—EVEN if the claims made against you are groundless.

Why do we recommend it?

Professional Liability Insurance is required for non-profits engaged in regulatory activities or providing licenses, accreditations, or professional development courses to members. Any misstep or perceived error in these services could lead to legal challenges, including claims of negligence or professional misconduct. Plus, non-profits operating in these fields are entrusted with upholding industry standards and ensuring compliance, making them more susceptible to legal action if standards aren’t met.

But even if it’s not a requirement, any organization or professional that provides services or advice to clients or members is at risk of legal action and should at least consider this coverage. In an era where organizations and individuals are being held accountable more than ever before, Professional Liability Insurance is paramount.

Even if you’ve worked to the best of your knowledge and ability—even if you’ve done nothing wrong—your advice or actions might be misinterpreted and you could face a lawsuit. Training content could be misunderstood, a member might feel they weren’t treated fairly, certification denials can lead to lost income, and more. Most non-profits are ill-equipped to deal with the sensitive nature of these events, especially if they’re aired out online. Having the right coverage will allow you to respond quickly and effectively and ensure that a frivolous claim won’t jeopardize your organization or your reputation.

What is it?

Group Benefits Insurance offers fully customizable Health, Dental, and Drug plans for you and your staff at competitive rates. Plan features may include (but are not limited to):

• Extended healthcare, including drug and dental coverage;
• Life Insurance;
• Long-Term Disability Insurance;
• Employee assistance plans;
• Health spending accounts;
• And more!

Why do we recommend it?

The success of any organization relies on the well-being of its people. When team members are healthy—when they feel supported by workforce leaders—companies are resilient in the face of an uncertain future. That’s why it’s key to protect your staff’s physical, mental, and financial health with a strong benefits package. Our Protect & Perfect risk management approach to group benefits can align your non-profit with a comprehensive program that reflects your staff’s needs, business challenges, and financial goals.