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Nonprofit Insurance

Protecting Organizations That Make A Difference

Describe your mission, programs, staff, volunteers and facilities so the team can review insurance questions specific to your organization.

Request a Nonprofit Review

Start with your activities

Events, transportation, youth programs, client services and fundraising can create different exposures. Include the activities actually performed rather than relying on the organization’s tax status.

Coverage topics to review

Discuss general liability, property, directors and officers liability, employment practices, cyber, workers’ compensation and volunteer-related coverage as appropriate. No single policy automatically covers every activity or participant.

Contracts and grants

Review insurance requirements in leases, grants and service contracts against policy terms and endorsements. The inquiry does not confirm compliance or provide coverage.

Review insured parties, limits, deductibles, exclusions and endorsements before relying on protection. Keep private records out of the introductory form.

Frequently Asked Questions

Are board members personally liable for nonprofit decisions?

Board-member liability depends on the circumstances and law. Ask about directors and officers terms, exclusions and individual protection.

Discuss the data you hold and services you provide. Cyber coverage has specific conditions, limits and exclusions.

Requirements depend on the grant agreement. Review the wording and evidence of insurance requested.

Do not assume volunteers are included. Confirm who is insured and whether separate accident or liability protection is needed.

Religious organizations should disclose their activities, facilities and programs so the coverage review reflects their actual exposures.

Start with a review of your operations, existing policies and requirements. Coverage is subject to insurer acceptance and policy terms.

Request a nonprofit coverage review

Tell us about your mission and programs. A licensed agent will review the coverage your organization needs.