Government & Non-Profit Sector
Churches and religious organizations, museums and cultural institutions. Mission-driven organizations run on volunteers and boards, and both create exposures a commercial package does not contemplate.
A volunteer is not an employee, and a board member is not an owner.
Both can still create a claim the organization has to answer for.
Most foundations, government contracts and facility landlords will want to see general liability and directors and officers coverage before they will fund or host you, and California requires workers' comp once staff are hired. Because volunteers, clients and donated funds are all in play at once, a single injury, employment claim or governance dispute can threaten a mission running on tight margins.
Non-Profit Coverage
Volunteers, boards, and property whose value is not replacement cost.
How we work
However you arrive at this page, the path from here is the same.
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Understand your risk
We start with how you actually operate — your assets, your people, and the exposures that come with them.
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Match it to the right carrier
We shop carriers whose appetite and specialization fit your risk, then lay the options out side by side.
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Stay with you
We stay on through renewals, mid-term changes, and claims — adjusting as things change and advocating when it counts.