INDUSTRIES
A nonprofit carries real liability — board decisions, volunteer safety, donor trust — often on a budget that leaves little room for a coverage gap. We build insurance programs around your mission and your real exposures, not a generic small-business package.
Decisions made by an all-volunteer or mixed board can expose the individuals making them personally, separate from the organization itself.
Many nonprofits operate with lean HR support, which can make hiring and termination decisions riskier without the right coverage and guidance in place.
Claims tied to the services or programs you deliver — counseling, tutoring, care — carry their own liability exposure.
Volunteers acting on your behalf create exposure if they're injured or if their actions create a claim, and they're not automatically covered like employees.
Facilities, equipment, and donated property represent real capital investment that needs protecting.
Nonprofits handling donations and grants carry theft and fraud risk that directly threatens donor trust if something goes wrong.
Let’s confirm it’s covered before it launches — volunteer and event-specific gaps are some of the most common ones we find.
Our advisors know the realities of running a mission-driven organization on limited resources, so recommendations are grounded in what actually matters most for your risk and your budget.
A single mishandled incident can affect donor confidence well beyond the direct cost — we account for that in how we build your program.
When something happens, we advocate for you through the entire claims process — not just at renewal.
From an all-volunteer nonprofit to a multi-program organization, we tailor coverage to where you are today and where you're headed.
1
We learn your mission, your programs, your staffing and volunteer structure, and your current coverage and claims history.
2
We identify gaps — volunteer coverage, event liability, board protection — before they become a problem for your organization or your mission.
3
We place your program with carriers who understand nonprofit risk, balancing coverage, service, and cost.
4
We review your program as your programs and funding change, and support you through claims when they arise.
Most nonprofits need general liability, D&O, and professional liability at minimum. What else you need depends on your programs — volunteer accident coverage matters if you rely on volunteers, and crime coverage matters if you handle significant donations or grants directly.
Yes — board members are exposed to claims tied to their governance decisions whether they’re paid or volunteering their time. D&O protects those individuals personally, and an all-volunteer board doesn’t reduce that exposure; if anything, it can make dedicated protection more important.
Not automatically — volunteers generally aren’t covered the same way employees are under workers’ compensation, so a dedicated volunteer accident policy is typically needed to respond if a volunteer is injured while serving your organization.
General liability covers physical injury and property damage tied to your facility and operations. Professional liability covers claims that the services or programs you provide — counseling, tutoring, case management — were delivered negligently or caused harm in a non-physical way. Many nonprofits need both, depending on what programs they run
Crime and fidelity coverage responds to losses from theft, fraud, or forgery involving your organization’s funds, including situations involving staff or volunteers with access to those funds. Given how directly donor trust depends on responsible fund handling, this is a coverage line worth having even for smaller organizations.
You contact us first — we help you document the incident correctly, get the claim filed with the right carrier, and stay involved as your advocate through investigation and resolution, not just at the point of filing.
