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Coverage for a nonprofit orchestra can include:
General Liability Directors and Officers Liability Employment Practices Liability Abuse and Molestation Special Events Professional Liability Property Equipment Breakdown Business Income Cyber Liability Auto Umbrella Inland Marine Employee Benefits Liability Blanket Additional Insureds
Directors and Officers Liability
Employment Practices Liability
Abuse and Molestation
Employee Benefits Liability
Blanket Additional Insureds
Nonprofit orchestra claim examples
A water pipe bursts in a theater, resulting in extensive damage to the set. In addition, the incident causes the cancellation of two performances, forcing management to refund two nights’ box office receipts. The organization suffers a loss of $50,000 for property damage and business income.
General Liability Claim:
A patron attending a classical performance slipped and fell in the bathroom of the theater. The patron broke his arm. The patron filed a lawsuit against the organization for pain and suffering, medical bills and rehabilitation expenses.
Abuse and Molestation Claim:
Parents of a child in the nonprofit orchestra sued the organization alleging negligent hiring of the orchestra director who went overboard when he improperly touched their child during a practice rehearsal.
Inland Marine Claim:
During an overnight trip, the orchestra locked its equipment in the van and spent the night at a hotel. Later that night, someone used a crowbar to pry open the van and stole all the orchestra equipment. The next morning the director noticed that the equipment was missing and notified the police. A total of $9,700 of equipment was stolen.
Directors and Officers Claim:
A donor made a large contribution to an orchesta. The funds were to be used primarily to expand purchase new musical equipment. Instead, the orchestra, through its executive director and board of trustees, decided to use the funds to take a trip to see a Broadway musical. The donor filed suit, alleging misappropriation of funds. The damages included return of the full contribution plus interest. As some of the money was already spent, the nonprofit would be financially unable to return the entire donation.