Business insurance
Nonprofit Insurance
D&O, liability, volunteer and event coverage for charities, foundations, churches, civic clubs and youth organizations.
Why it's different
Coverage built for how nonprofits actually work
Nonprofits run on volunteers and donations, and their boards carry real legal responsibility. Rudy has served as a trustee, committee co-chair and lodge leader, so we understand how these organizations actually operate.
- Board liabilityDirectors can be sued over governance, employment and financial decisions. D&O coverage protects them.
- VolunteersVolunteer injuries and volunteers' actions both create exposure.
- Youth programsOrganizations that serve minors need abuse and molestation coverage, which many policies exclude unless added.
- EventsGalas, races and fundraisers often need special event liability and liquor coverage.
Coverage
What a typical program includes
Every business is different. We start here, then adjust to your contracts, locations and payroll.
Directors & officers
For boards and officers
General liability
Premises, programs and operations
Abuse & molestation
For youth-serving organizations
Volunteer accident
Medical coverage for volunteers
Special events
Fundraisers, galas and races
Property & crime
Buildings, equipment and donated funds
FAQ
Nonprofits insurance questions
Do small nonprofits need D&O insurance?
Yes. Board members can be named personally in lawsuits, and D&O is often what persuades qualified people to serve.
Are volunteers covered by our liability policy?
It depends on the policy. Many policies can include volunteers as insureds, and volunteer accident coverage pays their medical bills.
Free, no-obligation review
Get a Nonprofits insurance review
Send your current policies and any contract insurance requirements. We'll compare carriers and show you gaps before your next renewal.