Because nonprofit organizations often deal with people on the most personal of levels, you are challenged by unique operational risks that can devastate your practice and reputation. Higginbotham has extensive experience managing these sensitive risks for 501(c)3 entities, including:

  • Religious
  • Educational
  • Charitable
  • Scientific
  • Literary
  • Animal cruelty
  • Community housing
  • Arts and museums
  • Homes and shelters


Common Nonprofit Coverages

  • Abuse and Molestation Liability
  • Accidental Death and Dismemberment
  • Crime
  • Special Events
  • Emergency Events
  • Subcontractors Liability
  • Employee Benefits Insurance
  • Punitive Damages
  • Directors and Officers (D&O)
  • International Operations


Risk Management

We keep abreast of the loss trends and regulations that affect nonprofits and design risk management strategies that reduce your exposure to lawsuits and insurance claims. Our programs address issues such as:

  • Abuse risk
  • Employee/volunteer screening and training
  • Media relations
  • Incident reporting
  • Emergency evacuation
  • Pool safety
  • Fall prevention
  • Fleet management
  • Food service

Sexual abuse is a highly regulated risk that Higginbotham can help you navigate with compliance and prevention services. If you conduct a licensed youth camp, the Texas Youth Camp Safety Act requires adult staff members to complete an abuse prevention training and examination program.  To help you fulfill your many reporting obligations, we assist with abuse awareness training, policies and procedures, background checks, screening training and systems for monitoring and oversight. We also review your contracts to make sure that you have appropriate abuse prevention terms for subcontractors and service vendors working on your campus.

To ensure your property insurance policies have accurate replacement cost values that reflect current market conditions, Higginbotham can provide property profiles of your entire campus. Our property profiles show building composition, size, structure, safety features, and photographs so you avoid being underinsured, causing you to pay out-of-pocket for a catastrophic loss exceeding replacement cost value, or overinsured, causing you to pay higher rates.