Coverage built for Nonprofits

Nonprofits often deliver programs that directly impact the lives of individuals, families, and communities. Programs and Community Impact coverage helps address risks associated with educational services, outreach initiatives, community events, mentoring programs, food distribution efforts, and other mission-driven activities. Proper protection helps organizations continue serving others with confidence.

Volunteers are the backbone of many nonprofit organizations. Volunteer and Liability coverage helps address risks that may arise from volunteer activities, visitor interactions, fundraising events, and day-to-day operations. Whether an incident occurs at your facility or during a community event, proper coverage can help protect your organization and the people who support it.

Nonprofits collect and manage valuable information, including donor records, financial information, volunteer data, employee records, and client information. Cybersecurity and Data Protection coverage helps organizations respond to data breaches, ransomware attacks, phishing incidents, and other cyber threats that can disrupt operations and erode stakeholder trust.

Nonprofit organizations often require specialized coverage beyond standard property and liability policies. Depending on your operations, this may include directors and officers liability, employment practices liability, fiduciary liability, crime coverage, abuse and molestation coverage, workers' compensation, commercial auto, and other protections designed to support effective leadership and long-term sustainability.

Most nonprofits require a combination of general liability insurance, property insurance, directors and officers liability insurance, cyber liability insurance, workers' compensation, and specialized coverage based on their programs, volunteers, facilities, and services.

Directors and officers liability insurance helps protect board members, executives, and organizational leaders from certain claims related to governance decisions, fiduciary responsibilities, and organizational management.

Many nonprofit insurance programs include protections related to volunteer activities, but coverage varies by policy and organization. Nonprofits should review volunteer-related exposures as part of their overall risk management strategy.

Cyber liability insurance helps nonprofits respond to data breaches, ransomware attacks, phishing incidents, and other cyber events involving donor information, financial records, employee data, or client information.

Many nonprofit insurance programs can provide coverage for fundraising events, community outreach initiatives, and special activities. Coverage should be reviewed prior to major events to ensure appropriate protection.

Insurance costs are often influenced by the organization's size, annual revenue, number of employees and volunteers, facilities, programs offered, claims history, cybersecurity controls, and overall risk profile.

Nonprofits should review coverage annually and whenever significant changes occur, such as launching new programs, acquiring property, expanding services, increasing staff, or hosting new events.