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Specialty coverage

Nonprofit Insurance

Nonprofit insurance protects the organization and the volunteers and board members who run it from claims tied to their decisions, operations, and events — exposure that personal or homeowners policies won't touch. Grant agreements, government funders, and venue leases routinely require proof of coverage before releasing money or letting a program proceed.

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Who this coverage is for

This coverage is for charities, foundations, associations, and community organizations, along with their staff, board members, and volunteers. It is tailored to the unique risks nonprofits face while pursuing their mission.

What it can help protect

Nonprofit insurance combines the protections a mission-driven organization needs into coverage suited to limited budgets and volunteer-driven work.Directors and officers (D&O) — Protects board members and staff personally when the organization's decisions are challenged.

  • Employment practices — Responds to claims of wrongful termination, discrimination, or harassment involving staff or volunteers.
  • General liability — Covers bodily injury or property damage at your events, offices, or programs.
  • Volunteer protection — Helps address claims arising from the actions of volunteers acting on your behalf.
  • Property and equipment — Covers your building contents, supplies, and gear against loss or damage.
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Key choices and underwriting factors

A licensed review will usually focus on mission, programs, and revenue mix, volunteer counts and youth/client interaction, and governance and event activities.

Common Questions