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Non-Profit Organizations

Horenberg Insurance understands the needs of 501(c)3 Non-Profit Organizations/Associations and other not-for-profit operations. Each Non-Profit has its own unique exposures; we look at each entity and work through all aspects of their insurance needs to develop an insurance program that is customized for our clients.

Some of the specialized coverages we recommend for a Non-Profit organization include:

  • Social Service Professional Liability
  • Errors & Omissions
  • Sexual Abuse & Molestation
  • Student/Volunteer Accident
  • Business Travel Accident
  • Event/Convention Cancellation
  • Internet, Publishers and Intellectual Property Liability
  • International Coverage
  • Directors & Officers Liability
  • Kidnap, Ransom, Extortion and Wrongful Detention
  • Key Person/Buy-Sell Life Insurance and/or Disability Insurance

Some of the coverages most businesses need include:

  • Business Property
  • Computers and Peripherals
  • Electronic Data/Media
  • Valuable Papers & Records
  • Equipment Breakdown
  • Business Income and Extra Expense
  • Crime
  • Employee Dishonesty
  • General Liability
  • Employee Benefit Liability
  • Employment Practices Liability
  • Fiduciary Liability
  • Automobile
  • Umbrella/Excess Liability
  • Workers Compensation
  • Group Medical, Dental, Disability and Life Insurance

Contact us today to request a comprehensive review, risk analysis and cost saving proposal for your Non-Profit Organization or Association.

What to do before and after a Flood

FEMA created a claims guide with tips about what to doe before and after a flood, including filing a claim and the steps involved in appealing a denied claim.  Please reivew the 2014 NFIP Flood Insurance Claims Handbook for more informaton.

Tips for Winterizing your Home

The Farmer's Almanac is predicting this winter will be one of the worst ever, with temperatures below average and unusual high levels of snow fall.  Learn tips for protecting your home against damages associated with this season by clicking here

Health Reform

Health Reform – Learn how it will affect you!
Click here for information.
Travel Insurance

Protect yourself when you travel.  Vacation, Temporary Worldwide Medical, Permanent Worldwide Medical, and Emergency Medical Evacuation Insurance. Click here to review and purchase Travel Insurance!
Carbon Monoxide

More than 400 people are killed each year in the United States from carbon monoxide poisoning. Click for more information.
Employment Practices Liability

Employment Practices Liability is an important coverage that businesses should have.  Click here to see some claim examples.
Directors & Officers Liability

Just like public companies, private companies and their directors and officers are vulnerable to lawsuits. According to a recent CHUBB study, the average loss (settlement, judgement, and legal costs) was $225,682. To find out more about D&O Liability coverage click here

Because of your Agent's expertise, experience and helpfulness, the process was painless - even pleasant - and took a very short time to complete. --- M.J. Richter and Rosa-Ana Torres