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 As your business grows, both the risks and reward become greater.

Horton offers coverage that can suit your business today, tomorrow and in the future.

 

NonProfit Insurance Coverages

NonProfit Insurance Coverages

NonProfit Insurance Coverages

General Liability
  • Limits to $1M each occurrence/$3M aggregate
  • Employees, Volunteers, and Insureds
  • Abuse and Molestation coverage
  • Blanket additional insured for funding sources and landlords
  • Medical payments for volunteers included
  • Thirty-three additional coverage/extensions
Property
  • Blanket limits available
  • Special Causes of Loss coverage
  • Equipment Breakdown coverage
  • Agreed Amount available with signed statement of values/property appraisal
  • Forty-two additional coverage/extensions
  • Ordinance or Law coverage - included up to building limit
Umbrella/Excess Liability
  • Large Excess Limits available
 
Automobile
  • Owned/non-owned/hired auto
  • Employees and Volunteers as Insureds coverage
  • Hired car physical damage
Crime and Fidelity
  • Employee Theft/Forgery
  • Money and Securities
Directors & Officers Liability
  • Defense costs in addition to the Limit of Liability
  • Most favorable venue wording for punitive, multiple or exemplary damages
Professional Liability
  • Covers students in training
  • Occurrence or claims-made forms available
  • Separate coverage part so no erosion of General Liability aggregate limit
  • Primary or contingent liability included for employed, contracted, or volunteer physicians and dentist

The Great Productivity Slowdown: Fact or Fiction?

The Great Productivity Slowdown: Fact or Fiction?

How is it possible that American productivity growth continues to slide even as new technology revolutionizes the way we do business? That is the question at the heart of a March Brookings Institution report, which serves as the latest chapter in a long-running debate.

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The Great Productivity Slowdown: Fact or Fiction?

Issues to Watch

Issues to Watch

As we move through 2020, we’ve compiled a list of critical issues and topics for executives to keep on their radar for this calendar year.

Devastating Reputational Risks

Devastating Reputational Risks

"It takes 20 years to build a reputation and just five minutes to ruin it. If you think about that, you'll do things differently." – Warren Buffet

A strong reputation has the potential to be your largest asset, but just one crisis could irrevocably tarnish your image and ruin your business. According to a recent survey from Deloitte, the largest professional services network in the world, 87 percent of business executives believe that reputation is their largest risk area, and only 19 percent of respondents think their business is adequately protected. In order to be prepared, you need to identify and mitigate the potentially devastating risks to your business's reputation.

Employment Practice Liability and Donated Funds

Employment Practice Liability and Donated Funds

Employment Practice Liability and Donated Funds

No employer wants to believe that their employees or volunteers would take legal action against them, especially in a nonprofit organization.Unfortunately, over the past decade, employment practice liability (EPL) has become one of the largest risks faced by organizations in both the nonprofit and for-profit sectors.

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Non-Profit, NonProfit
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Posted May 1, 2020 at 3:00 PM
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Posted April 14, 2020 at 4:15 PM
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Posted February 25, 2020 at 12:00 AM