Programs, premises and events
List services, facilities and activities involving members of the public. Ask how the liability policy treats off-site events, participants and activities performed away from the main location.
Business insurance
Nonprofit organization insurance
A nonprofit's activities, volunteers, facilities and events determine which insurance questions to review. Coverage and eligibility depend on the insurer.
Understanding your options
What to know about nonprofit organization insurance
Nonprofit organizations can face property losses, third-party claims and management liability, but their mix of employees, volunteers and services varies. A nonprofit label alone does not establish coverage.
What to compare
- Describe services, events and off-site activities
- Check how employees and volunteers are defined
- Review property, general liability and board risks separately
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Employees and volunteers
Identify tasks performed by employees and volunteers, including driving. Review who qualifies as an insured, employee injury arrangements and auto coverage without assuming volunteers' personal policies cover organizational work.
Governance and property
Review buildings, donated property, equipment and income interruption. Board-management and employment claims may require separate coverage with its own limits and exclusions.
Before you reach out
A few details can help start the conversation.
- Describe the organization's programs
- Identify facilities and event activities
- Note volunteer roles and contract requirements
Common questions
Nonprofit organization insurance FAQ
Are all volunteers automatically insured?
No. Policy definitions and duties matter. Ask which volunteer activities and persons are included.
Does general liability cover board decisions?
General liability and directors and officers policies address different exposures. Review both forms where relevant.
Is a fundraising event automatically included?
Not always. Event activities, locations, vendors and any special exclusions or endorsements must be reviewed.
Are donated items automatically covered at full value?
Do not assume so. Identify ownership, valuation method, locations and any limits in the property policy.
Start a conversation
Ask about nonprofit organization insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.