Do Nonprofits Need Workers Comp and UM/UIM Coverage?
Does a nonprofit organization that has a workers compensation policy in force also need uninsured/underinsured motorist coverage?

Does a nonprofit organization that has a workers compensation policy in force also need uninsured/underinsured motorist coverage?
The nonprofit owns buildings, has tenants and collects donations. Donations appear on the nonprofit’s profit and loss statement and therefore impact the profits.
A nonprofit organization used a copyrighted picture without permission, and the owner demands payment. The carrier says the use doesn’t fall under advertising because the nonprofit isn’t selling anything.