If you want to protect your non profit organization from exposure to law suits, it would be advisable to obtain coverage. Non Profits are not exempt from financial liability.
Professional Liability Insurance.
There are many places you can purchase liability car insurance in Illinois. One way you get it is by going to the website www.thegeneral.com/car-insurance/Illinois/ and signing up.
I'm not certain that it's actually legally required. However, even if it's not mandated, if you don't have liability insurance anyone can accuse you of breaking whatever and whether you did it or not, you're going to be the one dealing with it, including shelling out for legal fees and possibly paying for it if you lose the case. If you do have liability insurance, the insurance company will be taking care of a lot of that for you. Bottom line: yes, you need liability insurance.
Events insurance is insurance on a one-time event, such as a wedding. You'd be better off going with just regular business insurance or liability insurance for your company. You don't need events insurance for a company, just liability. Events insurance is more for things like concerts or special events that need one-time coverage.
If the accident is your fault, your insurance company is not going to pay out anything. If it is the other person's fault, the other insurance company will be liable.
You can budget your car insurance by changing the coverage that you have on your car. Liability only insurance, or your state minimum is going to be the cheapest insurance but doesn't provide much coverage. As you add coverage the price goes up.
Yes you will need a contractors license and they will require you to have a bond and liability insurance also if you are going to have any employees workers comp.
I doubt you can get any policy without some money down.AnswerNo company is going to provide you a commercial general liability policy without collecting your initial premium payment.
This is not common like Homeowners, so you will probably have the best luck going to an independent insurance agent with access to a few MGA's (Managing General Agencies) who have access to a Liability market (insurance company) for this. You might also consider Animal Mortality coverage. See link below.
the insurance people want to make sure the cheque is going to the right person.
Yes, everyone should have umbrella insurance. It will help cover you if an accident happens on your property and it is deemed your fault. Normal insurance has liability limits and it will keep you from going bankrupt after a lawsuit.
If you're going with the lowest possible options, than it should be fairly cheap. Usually somewhere between 40 to 60 dollars a month.