Nonprofit

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General Liability

A charity was holding a meeting at a local venue. One of the attendees tripped on an extension cord the charity was using for a presentation and broke his leg. He then filed a suit against the chamber to cover his medical expenses for his slip and fall.

Professional

Negligent professional services are rendered to a patient of a counseling service organization. The patient sues for pain and suffering due to the negligent professional advice.

Property

A fire destroyed a church sanctuary and resulted in smoke and water damage to the structure and contents of the administrative office. In addition to replacing fixtures, furnishings, equipment and inventory, the church needed to rent space for worship services until the sanctuary was rebuilt.

Hired and Non-Owned Auto

Holly is a staff member working for a group home that provides mentoring. While Holly is driving a volunteer for a visit to the supply office, she fails to yield at a stop sign and strikes another vehicle. The volunteer sustains a severe bodily injury and sues Holly’s personal auto policy. It turns out that the claim amount will ultimately exceed Holly’s personal auto limits, and a secondary claim is made against the hired and non-owned policy of the nonprofit organization.

Directors and Officers

A donor made a large contribution to a foundation to aid students in need of tuition. The board instead voted to expand their headquarters and commit a portion of the donation to the building fund. The donor filed suit, alleging misappropriation of funds. Damages included return of the full contribution plus interest. As some of the money was already spent, the foundation was financially unable to return the entire donation.

Special Events

A guest at a beer garden event sponsored by a nonprofit charity was struck on the head with a beer can thrown by a bartender. The guest filed a claim due to bodily injury.

A tent at a designated fundraiser was not anchored properly. The tent blew over and damaged multiple parked cars. The car owners sued for repairs.

A nonprofit charity held a one-day concert to raise funds at the home of one of its members. The event was large and included a bandstand. While the trucks carrying the equipment were leaving that night, the inclement weather caused the truck to leave large imprints and divots on the neighbor’s lawn. The neighbor then filed suit against the charity for lawn damages caused by the trucks.