Halloween is the second largest consumer holiday in the United States. Even though many nonprofit animal welfare organizations consider Christmas to be the best time to launch fundraising campaigns, Halloween is actually better. 30% more consumers entered promotion campaigns at Halloween than at during the Christmas season. Why? Your supporters aren’t feeling the financial stress of the expensive holiday season – yet.

Advantages
Consider these four advantages before skipping Halloween this year.

  1. Increased donations.
    Launching your fundraising campaign months before the holiday craziness boosts your overall donations. Your animal welfare organization supporters haven’t maxed out their budget buying gifts and are more willing to donate.
  2. Less competition.
    Shhh! Halloween fundraising success is still relatively new and many nonprofit animal shelters and rescues still overlook it as a prime fundraising time. Less competition means your campaign or fundraisers are more likely to capture supporters’ attention. Often times, supporters become overwhelmed and inundated with donation requests in November and December, they ignore or politely decline all requests.
  3. More volunteer involvement.
    Volunteers keep you up and running every day. Without their commitment and time, many animal shelters and rescues are forced to close their doors. Many volunteers have out of control schedules with extra family events and holiday preparation in December. Launching a big fundraising campaign at Halloween increases their ability to help.
  4. Innovative ideas.
    Chances are your past major fundraising drives revolved around the spirit of giving in December. You probably copied the same fundraiser from year to year. Focusing on Halloween this year gives you a NEW list of fundraising ideas. Your long-term supporters will be happy for the change.

Fundraising ideas
Do you avoid Halloween fundraising because you don’t want to reinvent the wheel or start from scratch? Schedule a meeting with your fundraising committee to review these # ideas and pick one to start with.

  • Partner with a local pumpkin patch or fall fest. Contact local organizations and see if they are willing to host fundraising days for your animal welfare organization. Request a portion of the ticket sales be donated to you. In addition, set up a table the day of to collect donations and hand out information.
  • It’s all about the treats. Invite supporters to your location encouraging them to bring “treats” (food, toys, blankets, bowls, etc.) for your animals.
  • Sponsor a costume ball. Invite your community to a costume party. Sell tickets in advance and then offer dinner, raffles, and costume prizes the night of the event.
  • Launch a social media contest. Encourage your online followers to participate in a Halloween-themed contest. Invite participants to submit pictures of their Halloween decorations, carved pumpkins or pets in costume. Publish them online and request donations. Every five dollars = one vote. Award your winners with online recognition and prize.
  • Trick or treat for adopters. Promote adoptions in the month of October by offering a special gift to adopting families. They can pick either a ‘trick’ (training DVD or CD) or a ‘treat’ to take home with their new loved one.
  • “Mommy and me” costume contest. Host a costume contest for pets and their parents! Encourage participants to dress as famous duos or family members.

There is success in Halloween fundraising drives and events. Don’t less this time of year pass your animal welfare organization by. Brainstorm innovative fundraising ideas or use one of these to increase your donations this fall.

Animal welfare organizations do a great deal of good for their local communities and the animals they help.  Directors of the organizations have a lot on their schedules with volunteer recruitment, volunteer training, fundraising, and the day to day operations that they often forget to look at their insurance protection plans to verify there is adequate coverage. There are many different types of insurance coverage that are beneficial and necessary in running businesses, but what about non profit organizations, like animal shelters or rescues? Some types of insurance include directors & officers liability, general liability, accident and health, and special event insurance.

General liability insurance is one of the most common types of insurance carried by nonprofit animal shelters.  General liability insurance may provide protection for shelters and rescues in some of the following scenarios:

1.    A visitor to your shelter falls on uneven pavement and injures themselves which results in medical bills.  The medical bills would be paid for by your liability insurance.

2.    A family interested in adopting a dog or cat this is located at a foster home, visits the home and their child falls down the steps injuring themselves.  Coverage under the foster home’s homeowner policy is typically excluded because the visitor was there on business.  A general liability policy would provide coverage for the bills associated with it.

3.    Your organization sets up at local events promoting adoption of your animals. While you are there, one of the dogs jumps up and knocks an individual over causing injury.  A general liability policy would provide coverage for the medical bills as well as defense costs and settlement costs in the event a lawsuit is filed.

By choosing to not carry general liability insurance, your animal shelter is at risk for being sued for any one of the above type events. If you have no insurance in these instances, the shelter or rescue could be forced to close its doors and all of the hard work you and your volunteers have invested will be gone.

There are many different types of insurance that would benefit an animal shelter or rescue. It is most important that the individual shopping for insurance is honest with the insurance agent about all the daily happenings, services, and events being provided and attended by the organization.  Your agent will be able to help guide you in determining what your best insurance options are for complete coverage.

When many think of animal rescue, images of pulling animals from shelters, hosting adoptive events and most importantly, finding good homes for pets in need.   While these activities are an important aspects of animal rescue, there are other details that involve the business portion of running a rescue group.

A rescue group has medical and food expenses, transport planning and fundraising activities that must be addressed.     If they have a physical location where the animals are housed or meet potential adopters, liability and hazard insurance must be purchased.   But is animal rescue insurance coverage needed if the group does not have a permanent structure for housing and visits by adopters?   Do they need coverage if the group is completely foster-based?

The answer to these questions is yes, rescue groups that are foster-based do have the need for animal rescue insurance.   

General liability insurance is needed by all rescue groups.   This type of policy will cover property damage along bodily injury and subsequent medical bills. General liability coverage can help defend your group against lawsuits, slander and libel that are outside the realm of your group’s service.

Officers and directors insurance can cover your group’s board of directors, employees and volunteers.   It can protect the personal assets of those serving against lawsuits directed towards the rescue group.  Having such a policy in place may encourage qualified individuals from serving on the board of directors or as a group officer.  This coverage can also cover the 501C organization itself against many type of lawsuits. 

While the task of purchasing insurance may not have been considered when your group was founded, it is a valuable method of protection.   Defense against a lawsuit that can costs thousands of dollars and can place personal assets of members and the very existence of your organization at risk.  Allow your group to continue on its mission of saving the lives of homeless pets by obtaining adequate insurance coverage.

Business organizations under the leadership of their managers operate in different business environments with unique challenges. Just like there are many things that affect the operations of an organization, managers need to wear many hats if they have to make their businesses succeed.

Some of the issues that present crucial challenges to businesses are the work-related injuries and illnesses that can impede the productivity of employees and pose serious legal challenges to organizations. With the rising medical costs, purchasing accident & health insurance coverage can make sure your employees are healthy – physically, financially and emotionally.

Hospital (Inpatient) costs can be daunting for you and your employers, and there can never be a better helper than an appropriate insurance coverage. Some work-related accidents can be traumatic, especially if they involve fractures. Accident & health insurance covers fatal fractures through its fracture benefit plan.

Deaths that result from accidents or other employee engagements can have enormous impact on the financial base of the organization when the beneficiaries file a wrongful death suit. Accident and health insurance covers wrongful death and workman’s liability if the employer is injured in the line of duty. Therefore, the right insurance cover will help protect your organization against financial effects of bodily injuries. This insurance could help you cover your employees lost wages, hospital expenses and rehabilitation expenses in case the injuries subject your employee to long-term ailment.

Instead of worrying about how much your plan will cover, you will be concerned about getting better. For an employer, you will stop wondering what will happen in the event unexpected medication will be required to help treat your employees. Instead, you will let your insurer cater for virtually all costs, including inpatient and outpatient expenses until your employee fully recovers.

Cash payments (out-of-pocket) payments can run out of control and can cause an organization to loose money. In addition, it can cost n organization thousands of dollars to cater for daily needs of an employee. It is worth noting that a combined insurance coverage will be there at the time when you need that important help. A good accident and health insurance, you don’t have to freak about unplanned costs since your supplemental insurance will fill the existing gaps of your health coverage.

With the right accident insurance, employers can provide their employees with insurance benefits and cushion themselves from costs that come with wrong or lack of proper coverage.

 

A landlord may feel the need to require animal insurance as a means of limiting her liability. Landlords, although appearing to have an interest primarily in their tenants and the tenants’ well-being, actually have a greater interest in themselves and the condition of their security property, otherwise known to  the rest of us as merely  our apartment or house. Because the condition and safety of their property interests is at the top of their lists, they must take practical steps to protect that property and their own liability as the owner of the property.

Animal insurance is important because it protects landlords against two types of liability, both of which scare property owners.  Animal  insurance covers the landlord in the event of any damage caused by the animal and  covers liability the landlord may incur as a result of an injurious act of a pet.

Animal insurance covering pet damage to a rental unit can be added as a rider to a tenants regular renter’s insurance policy for an additional policy premium. Insurance which includes liability insurance covering injuries caused by the tenant’s pets can also be added as a rider to the tenant’s renter’s insurance policy in locations where that coverage is available for renters to purchase. i f a  policy purports to cover various pet related injuries, be certain that the policy does not offer such limited coverage that it becomes impracticable to give effect to that provision. Coverage for anything is available in a particular state  only when that state’s legislature authorizes that coverage

There are additional contractual ways of offering protection to a landlord in addition to requiring animal insurance coverage provided by tenants on the acts of their pets. Certain pet agreements entered into by landlords and tenants may serve to reduce risks to landlords caused by pet misbehavior but does not replace the protection of animal insurance. One of these agreements can be put into effect by clearly stating the nature of any acts the landlord is responsible for and which acts of the pet’s behavior are then the sole  responsibility of the tenant-pet owners.

Any landlord making use of a pet agreement  to assign rights and/or responsibilities relating to pets on the premises must maintain a  list of the specific pets covered b the agreement and must further be vigilant to keep the list updated.

 

There is much joy to be had while running an animal shelter. Finding animals forever homes on a regular basis can be hard work, but is very rewarding. However, for all the things that can go right in your shelter, there are many others that can go wrong. That is when a liability waiver comes in handy. Liability waivers can save you a lot of headache and financial hardships. Here are a few examples of what a liability waiver can protect you and your shelter from.

1. Dog Bites.

Dogs are the most sought after animal in a shelter, and the majority of visitors in your shelter will likely be looking to add one to their family. When perusing the dogs, the visitors may put their hands in the dogs cage to initiate contact. While many dogs will be docile and friendly, others may perceive this as a threat and bite the stranger’s hand. This can be problematic because injury or disease can happen as a result. If that visitor signed a liability waiver though, then you are clear of any blame.

2. Cat Scratches.

Cats are another animal that is highly sought after in a shelter, and chances are your shelter houses many. One of the cats in your shelter may come into contact with many visitors in a day, and may scratch them. While a cat scratch, or bite may seem harmless at first, it can have lasting consequences. A cat scratch can lead to a nasty bacterial infection known as cat scratch fever. A visitor who contracts cat scratch fever from one of your shelter cats may hold you liable. However, a liability waiver would say different.

3. Slips, Falls. Etc…

Even if your shelter animals are well contained and on their best behavior, there is still many things that can go wrong. A dog may urinate on the ground, and someone could slip in it. The puddle may have gone unnoticed by the shelter staff until this accident occurred, so a wet floor sign didn’t get put out. Liability waivers can include a clause for this situation, and any other non animal related incident.

Insurance can be one of the most expensive aspects of business from animal welfare organizations. Many go without the coverage they need because they are facing budget cuts or need the funding they do have for other needs, such as animal shelters for all their critters. The team members at AWOIP, LLC (Animal Welfare Organization Insurance Program, LLC), are the go-to folks when it comes to securing insurance for animal shelters. Some types of insurance policies that they can offer are:

  • General Liability Insurance
  • Volunteer Accident & Health Insurance
  • Professional Liability Insurance
  • Worker’s Compensation Insurance
  • Commercial Property Insurance
  • Special Event/ Fundraiser Insurance

But to have insurance for the shelters your organization uses, you need to be able to afford those shelters. When funding and donations do not cover these expenses, there is another way you can get the money you need. Grants for animal shelters are abundant, if you know where to look and how to go about getting them.

Many big name environmental organizations and animal welfare groups offer grants and funding help for other smaller groups who are struggling to do the same work. You could look at any local groups that are doing a similar work and see if you could form a partnership with them. They can provide the help you need and offer a unique perspective and they might also be able to recommend places you can look for grants for animal shelters and people you can talk to get some more funding.

State and federal organizations offer grants for any number of things. Chances are you can find grants for animal shelters simply by looking online. You might also want to search based on the type of facility you are. Some grants for animal shelters are base don the type of animals you work with so you could possibly find a grant that fits you perfectly and not have a lot of other competition for the money.

Another option you have is to reach out to people whom you know support the work you are doing. Many well known actors, celebrities, and iconic individuals support animal welfare. It does not hurt to reach out to these individuals and see if they might be willing to help you with the funding you need. Grants for animal shelters can be found, it just takes a unique approach and new way of looking at it.

Wildlife Rescue Insurance

October 29, 2013

Wildlife rescue insurance is simply important for organizations that help protect endangered species. Like animal shelters and clinics, these venues specialize in protecting and rescuing wild life. They also feature onsite physicians that treat animal injuries and other mishaps. These organizations are found across the nation, and offer services for both domestic and wild animals. They also take care of animals that are housed at local zoos and even animal museums. While these entities offer valuable services to the community, they are not exempt from lawsuits or other legal issues. In order to protect your animal or wildlife agency, you simply need the right insurance.

If you are struggling to find coverage for your organization, sites like AWOIPOnline.com. They specialize in helping animal welfare organizations find the right insurance plans and coverage. When it comes to wildlife rescue insurance, there are different types of policies available. According to experts, general liability insurance is a must. This type of coverage protects your organization from faulty claims and legal issues. It also protects your agency from lawsuits that stem from falls, slips, and other mishaps on your property. Whether it is a guest, visitor, or even an employee, you want to protect the physical integrity of your property as well. As a result, property insurance is also a worthwhile and lasting investment.

While all shelters strive to protect their volunteers, visitors, and animals, accidents do occur. This includes dog bites, along with injuries resulting from slips or falls. Whether you’re a director, manager, or volunteer, accident and health insurance is simply mandatory. In fact, this is considered the most common type of wildlife rescue insurance on the market. Sadly, a number of accidents occur within animal shelters and organizations each year. While the most common accidents are animal bites, volunteers have also been exposed to certain illnesses and medical ailments. With proper health or accident insurance, however, their medical costs will be covered by the respective organization or company across the board.

If you require property, professional liability, or accident insurance, AWOIPOnline.com is committed to meeting your needs within time and budget. Remember, even wildlife rescue agencies can be sued or face legal threats on a daily basis. To effectively secure your property and volunteers, simply get comprehensive coverage that offers maximum protection at every turn. For more information on wildlife rescue insurance, contact AWOIPOnline.com for convenient quotes and plans.

Running a non-profit animal shelter means that you’re already squeezing every dime for all it’s worth, and cutting back as much as you can on your expenses. Considering how much liability insurance can cost, and how infrequently it gets used, it’s understandable that your insurance might be something you think about dropping.

Don’t do it.

Your Animal Rescue is Important, Make Sure it’s Protected

You know that your animal shelter is safe for both your pets, the people who come to visit them, and your volunteers. The odds of someone getting hurt while on your property might seem slim, but there’s a big difference between slim and impossible. All it takes is one careless moment, or one unforeseen circumstance and you could find yourself in the middle of a lawsuit that puts your entire animal rescue program at risk. The fact that you are dealing with animals, and can’t predict exactly how they will react to visitors or situation further increases the chances of someone getting hurt.

Having SPCA insurance means that you, your shelter, and your volunteers will be protected if an accident happens, and that you will be able to stay open for business.

What SPCA Insurance Covers

Your animal rescue isn’t like every other rescue, there are traits that make it unique. SPCA insurance providers know this and have done a great job of creating insurance plans that can be customized to perfectly suit your needs.

Getting the Most Out of Your Insurance

In addition to choosing a SPCA insurance policy that covers every aspect of your animal shelter, you should also take care when choosing the agent you will be working with. You’re going to be happiest and feel the most protected when you have an insurance agent who loves pets and is excited about the work that you do. Finding one who has hands on experience with animal shelters similar to yours is a bonus.

If something does go wrong, you need to notify your insurance agent right away!

Animal Shelter Insurance

October 14, 2013

Animal shelter insurance does not have to be a mystery. In fact, there are all types of coverage available for your animal shelter or agency. This includes property insurance, which protects your physical structure from fires, vandalism, and natural disasters. There is also insurance that secures proper restitution if your shelter gets robbed or burglarized. While animal shelters protect countless dogs and cats, one of the main issues at these venues revolves around bites and accidents. Whether you are a volunteer, employee, or visitor, there is always a chance of being bitten by a dog. Therefore, your center should have dog bite insurance available. This protects your shelter from lawsuits and other legal mishaps.

Sadly, too many animal shelters simply do not have insurance. This is due to a number of reasons, such as cost and affordability. Other centers believe they are too small and therefore do not require coverage. While animal shelters are philanthropic in nature, they are not exempt from lawsuits or other legal problems. A number of animal welfare directors and managers simply do not understand how animal shelter insurance works. While it’s true that animal insurance plans can be confusing, help is always available. Simply contact or visit AWOIP online today. They specialize in liability insurance for animal shelters, the SPCA, humane societies, and animal rescue agencies. With years of experience, these experts can discuss a range of insurance options that effectively meet your needs.

To secure timely and affordable animal shelter insurance, you have to carefully weigh your options and choices. While there are several types of coverage available, which form of insurance will benefit you and your workers? Since you are dealing with animals, you will definitely need insurance that protects your business from daily mishaps and accidents. This includes people falling and slipping due to animal urine and droppings, along with bites and scratches. Since all animals are checked for diseases and appropriately treated, there is no chance for anyone to acquire life threatening illnesses. Still, you need insurance that protects your center from faulty claims via customers or even in-house workers.

You can also purchase property insurance. This protects your entire shelter from internal and external problems. This includes car accidents, along with people falling due to cracks on the ground or surface. For more information on which insurance plan is right for you, visit or contact AWOIP online today.