Q: Hello,Volunteers are painting a mural- raising money, and need liability insurance. What type of entity should we be?
A small group of community volunteers have been given permission to paint a mural in the community. The building belongs to a local business and they need us to have some type of liability insurance. To get the insurance (and to smooth out the non profit fundraising), we think we need to be some sort of entity. We're just not sure what would work best and be easy to accomplish. I've heard creating a non-profit is hard, but could/should we be an LLC, a DBA, or something we haven't thought of? What might be the pros and cons of each options?
A: It could be difficult for anyone here to know what kind of insurance coverage is best, based on the type of business entity you contemplate going with. That's something an insurance agent may be better equipped to advise on. One option might be to reach out to insurance agents to explore options (based on the type of entity, risks you want to be covered for, policy limits, premiums, etc.). Good luck
A:
Consult a reputable insurance broker and Have a free telephone consultation with counsel.
Jack
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