FAQs

Volunteer coverage is a separate consideration. We can review how your policies may treat it.

Yes, once a non-profit has any employee in California. Volunteers are the part that catches boards out, because they are generally not employees and so are not covered by ...

D&O typically extends to directors and officers acting in their roles, including many volunteer boards, though terms vary.

If you serve youth or vulnerable people, this exposure is serious, and dedicated coverage may respond where other policies do not.

Often it will not, since many exclude driving for hire. That is the gap to plan around.

It is an add-on that may extend your personal auto coverage into rideshare driving. Availability and terms vary.

If you drive heavily, commercial coverage may make sense. We can help you weigh it.

Platforms often provide some coverage once you accept a ride, but the app-on-waiting period may be thinner, and your personal policy may exclude TNC use.

Workers’ compensation generally responds to employee injuries, and it is required in California once you have employees.

Yes, we can look at coverage as you add vehicles and drivers.