Habitat for Humanity ReStore affiliates manage extensive amounts of inventory, and with inventory comes the risk for inventory damage or injury. It is critical to review your property schedule and understand the coverage you have prior to a claim occurring. Protecting ReStore Inventory To avoid inventory loss or claims at your affiliate, we recommend the following best practices: Avoid storing inventory outside—Avoid storing inventory [...]
Habitat for Humanity Affiliate Insurance Program carrier Chubb has created a helpful safety calendar to help you address risks each and every day of 2023. Download the calendar here.
Working with contractors can be extremely beneficial for affiliates. But it can also be a lot to manage, especially when selecting a trustworthy contractor, preparing for a project and staying on top of contracts and documentation. To help affiliates manage their contract partnerships, our carrier partner Chubb created an extensive contractor management checklist. Manage Affiliate Contractor Risks: Contractor Selection Everything begins by selecting the [...]
Even with the best training and safety precautions, it’s still a possibility that one day one of your workers or volunteers could be hurt in an accident. Even a minor injury could result in a major medical bill, that in turn could lead to a lawsuit, which could become a general liability claim. Employees and volunteers are at the heart of your affiliate, so it’s [...]
If your affiliate was the victim of a cyber attack, how would daily operations be affected? How would you respond and notify necessary parties? What steps would you take to restore data and processes? In a recent webinar hosted by our carrier partner, Chubb, a variety of cyber topics were covered, including important information about the new Cyber policy, why you need it, how to [...]
Ensure your employees and volunteers stay safe and healthy by implementing these tips in stores and on job sites. Improving Worker Safety at ReStores Clean up any spills and wet spots right away, and place wet floor signs around wet spots until the floor is completely dry. Keep surfaces clean and sanitized to reduce the spread of germs. Have safety plans in place for emergency [...]
Cyber attacks pose a significant risk to businesses, costing companies millions and ruining reputations. The tactics used by hackers are always evolving so it’s important to make sure you are keeping up. Most attacks result from a business and its employees being unprepared or underprepared for a threat. But by following the latest cyber security best practices for your affiliate can significantly minimize your risk [...]
All volunteers help contribute the skills, manpower and enthusiasm your organization needs to succeed without breaking the bank. But long-term volunteers can add value to your organization year after year. While we would all like to believe volunteers get involved in causes and organizations for the right reasons, it isn't always the case. Your affiliate could be a victim of crime, suffer public relations issues [...]
Waivers of subrogation are an important part of commercial contracts. These waivers are agreements between two parties where one party agrees to waive subrogation rights against the other in the event of a loss. For affiliates, waivers of subrogation are commonly used when a subcontractor signs a contract with a general contractor (or Habitat affiliate) to work on a project. Commonly requested in professional and [...]
If you are planning an in-person or virtual bicycle event to raise funds at your affiliate, don’t forget that you are required to obtain a separate Liability/Special Event insurance coverage to cover the event. HFHI requires that affiliates have Special Event coverage with a $2 million per occurrence limit, including coverage for participants. Additionally, the policy must name Habitat for Humanity International, Inc. as an [...]
LOCKTON AFFINITY, LLC.
10895 Lowell Avenue, Suite 300 | Overland Park, KS 66210
(888) 553-9002 | HFHInsuranceService@LocktonAffinity.com
MAILING ADDRESS: PO Box 410679 | Kansas City, MO 64141
The Habitat for Humanity Affiliate Insurance Program is administered by Lockton Affinity, LLC d/b/a Lockton Affinity Insurance Brokers LLC in California #0795478. Coverage is subject to actual policy terms and conditions. Policy benefits are the sole responsibility of the issuing insurance company. Coverage may be provided by an excess/surplus lines insurer which is not licensed by or subject to the supervision of the insurance department of your state of residence. Policy coverage forms and rates may not be subject to regulation by the insurance department of your state of residence. Excess/Surplus lines insurers do not generally participate in state guaranty funds and therefore insureds are not protected by such funds in the event of the insurer’s insolvency. Habitat for Humanity will receive a royalty fee for the licensing of its name and trademarks as part of the insurance program offered to the extent permitted by applicable law.
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