Most incidents arising from the occupancy of premises, operations or activities of the organization that result in some accidental bodily injury or property damage can be classified as general liabilities.  Although not a commercial entreprise, non-profits can purchase Commercial General Liability insurance to protect against such unfortunate incidents.

Trip & Fall

An elderly guest at a social gathering badly broke an arm in a fall caused by a poorly placed extension cord.  As an evening dance with the mood enhanced by low lighting, the cord was difficult to see at best but even more so by the aged gentleman.

Chair Collapse 

A neighbourhood association held a party to celebrate a park opening.  Rented tables and chairs were set up on paved areas in view of the podium where the town mayor would be speaking.  When speeches began, guests toward the back stood on chairs for a better view.  When one of the chairs collapsed this set off a domino affect of tumbling people resulting in numerous but relatively minor injuries.

Food Poisoning

A fundraiser 'turned sour' when served food products were alleged to have made visitors sick.  The product in question was 'home made' and unfortunately it became a 'recipe for disaster'.

Host Liquor

An organization's evening social event turned deadly later that night when an intoxicated guest caused a horrific automobile accident on the way home.  A family in another car was returning from a reunion when the drunk driver ran a red light killing two occupants of this vehicle as well as himself.  When the police investigation into the drivers previous whereabouts revealed attendance at the earlier party, the organization was named in the subsequent lawsuit.

Spring Cleaning

An organization who performed the clean up of the neighbourhood park as its 'service' to the community found itself in 'muddy water' when a discarded needle was later found by children who proceeded to 'play doctor' with it.  The parents later sued the organization for the distress caused over its 'flawed' clean up.

Some examples may be generic in nature, applicable to all classes of business - not specifically non-profit organizations.