Auto & Vans: The Most Boring Risk (Until It Isn’t)

Let’s be honest, auto insurance isn’t exactly thrilling. It’s the broccoli of risk management. Nobody’s excited about it, but skipping it is a terrible idea. Most nonprofits treat their vehicles like background props until something goes wrong. Then suddenly, that dusty minivan becomes the star of a drama nobody asked for.

Owning a fleet of vehicles isn’t the only way a nonprofit can face auto risk. Maybe a volunteer uses their own car to drop off supplies, or you rent a van for an event. One small accident later, everyone’s asking the same question: whose insurance actually covers this?

Hired and Non-Owned Auto: The Overlooked Lifesaver

If your nonprofit rents vehicles (that’s “hired”) or people use their personal cars for work (“non-owned”), this coverage is what protects you.

Without it, your organisation could be responsible for damages if something happens and the driver’s personal insurance doesn’t fully cover it. Think of it as your “just in case” safety net.

Driver Vetting: Not Overthinking, Just Smart

Before anyone drives for your nonprofit, check their Motor Vehicle Record (MVR). It’s not about prying. It’s about making sure you’re handing the keys to someone safe and responsible. A quick MVR check can save you a lot of stress later.

Personal vs Organizational Cars: Know the Difference

If it’s the organization’s vehicle, make sure it’s titled, insured, and maintained under the organization’s name. If someone’s using their personal car, make sure everyone understands when they’re covered and when they’re not. A short written policy or even a one-page memo can prevent a lot of confusion and potentially expensive mistakes.

And About That 12-Passenger Van

They’re tricky for a reason. Hard to handle, easy to tip, and often packed with people. If your nonprofit uses one, treat it seriously. Train your drivers, limit how many passengers ride, and don’t overload it with boxes or gear.