What is it?

Directors & Officers (D&O) Insurance protects board members if they’re personally sued for any actual or alleged wrongful acts in managing your non-profit. In the event of a claim, D&O Insurance will protect your personal and organizational assets by covering the cost of legal defence fees, witness and court costs, and any settlements on behalf of a non-profit leader.

Highlights include:

• Protects all past, present, and future Directors, Officers, board members, trustees, senior managers and executives, as well as employees and volunteers;
• Coverage for claims of poor governance, failure to act, management errors, misallocation of funds, misrepresentation to donors, operational failures, statutory liabilities, regulatory non-compliance, and more;
• Side A Coverage: Personal Asset Protection to reimburse individual Directors and Officers for losses the organization is not legally or financially able to cover;
• Side B Coverage: Balance Sheet Protection to reimburse organizations for expenses incurred when defending Directors and Officers;
• Side C Coverage: Entity Protection to protect your organization for any claims related to traded securities;
• Employment Practices Liability (EPL) Insurance: Protects your organization from claims made by staff, such as discrimination, harassment, wrongful termination, failure to hire, and more.
  

PLUS these coverage enhancements, unique to PROLINK’s Non-Profit program: 

• Preferred rates and competitive pricing for non-profits that partner with PROLINK;
• $25,000 in Privacy & Security Breach Expense Coverage for First-Party Expenses, at no additional charge;
• No deductible;
• First-dollar defence: coverage kicks in immediately to cover legal defence from the first dollar incurred, without requiring you to pay a deductible or initial out-of-pocket expenses;
• Complementary Enhanced Legal Assistance Services, including:
  • FREE legal & HR advice with unlimited calls to the Trisura Legal Helpline with HR Assist, available 8AM to midnight, 7 days a week;
  • Professional review of legal documents (up to 8-pages, single-sided) up to 12 times per policy period;
  • Simple legal letter drafting up to 12 times per policy period, including demand, complaint, resignation, and warning letters, and more;
  • Unlimited access to an online library of vetted legal document templates that can be customized for your needs, including wills, power of attorney documents, employment contracts, service agreements, and more!

Why do we recommend it?

As the leader and/or board member of a non-profit, you’re constantly in the spotlight, balancing the expectations of staff, donors, members, regulators, and a variety of other key stakeholders. But in today’s increasingly litigious world, that means even a minor misstep could have major legal repercussions, from compliance troubles, to misallocation of charity funds, or workplace disputes.

And keep in mind: most non-profits tend to operate in fact-paced, informal environments with tight schedules and high stakes. Tensions flare, emotions run high, and whether it’s a claim or a complaint with the Human Rights Tribunal, staff members and volunteers can quickly turn aggressive.

Unfortunately, the consequences for business and non-profit leaders facing allegations of mismanagement are severe. Even if you’re volunteering or not profiting directly, a lawsuit can still put your reputation and personal assets on the line. Even worse? Your non-profit might not have the means to cover your losses.

With D&O Insurance, you won’t have to fund the legal defence out-of-pocket. You can protect yourself and any other non-profit leaders and/or board members against any allegations that arise throughout the course of your work. Plus, D&O Insurance isn’t just about protection—it’s a strategic move to attract and retain the key talent your organization needs to work towards its goals. A top-notch policy is a sign to prospective board members that your team is strong, resilient, and ready to shine, knowing they’re backed by solid coverage.

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?

Event Cancellation Insurance offsets your losses in case an event needs to be cancelled, postponed, rescheduled, relocated, or abandoned early due to unforeseen circumstances beyond your control. It’ll cover costs associated with cancelling or rescheduling the event, such as venue deposits, marketing expenses, travel and accommodation arrangements, delegate refunds, supplier costs, marketing and communications, and other typically non-recoverable costs. Depending on your terms, coverage might also include lost revenue or profits that you might have earned had the event proceeded as planned.

Covered circumstances include:

• Severe weather and natural disasters (e.g., flooding hurricanes, earthquakes, wildfire, tornadoes, heavy snowfall, blizzards, etc.);
• Venue unavailability (i.e., due to fire, flooding, or electrical outage);
• Equipment theft;
• Power blackouts,
• Labour disputes (i.e., strikes at a venue, hotel, or airport)
• Threats or acts of terrorism;
• Civil commotion, protests, and riots;
• Absence of key persons (e.g., a keynote speaker, entertainer, or any individual integral to the success of an event);
• And more.

Why do we recommend it?

For some non-profits, a sudden cancellation is more than a disappointment or a setback—it could mean the difference between thriving and keeping the lights on. Not only do you lose the time and funds you’ve put into planning a major event, you could miss out on vital funding streams you were counting on to fuel operations and pay costs.

In today’s climate, with donations and financing harder to come by and more unpredictable events than ever, the repercussions of a cancellation could be massive, particularly for organizations that rely on event-generated revenue. And unfortunately, rescheduling isn’t always possible given how far in advance venues are booked, leading to costly lay-offs or program cancellations.

If you have any single event that’s expected to generate income or expenses of more than $25,000, Event Cancellation Insurance is a cost-effective investment to protect your event, rain or shine, and secure anticipated revenue. It’s designed to restore financial stakeholders to the same position they would be in if the event had gone off without a hitch. Your policy can be customized to fit your needs, whether it’s covering expenses to break even or full anticipated revenues to turn a profit. Plus, options like “Reduced Attendance” coverage can provide added protection if an unexpected incident leads to lower-than-expected event turnout, ensuring financial stability and peace of mind for event organizers.

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?

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?

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.

Media Liability Insurance is a type of Professional Liability Insurance that protects organizations from potential claims related to their media and communication activities, specifically content creation, publication, or broadcast. Coverage includes claims of negligence, professional errors, defamation, copyright infringement, privacy violations, intellectual property issues, and more.

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.

Media Liability Insurance is equally vital for any non-profits communicating with members via email, mail, or public platforms, both print and online. Given the diverse services non-profits offer—from educational courses to advocacy initiatives and fundraising campaigns—there’s a high likelihood of inadvertently using copyrighted materials in communications. Media Liability coverage provides essential protection in such scenarios, shielding your organization from potential legal consequences.

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.