Nonprofits

Nonprofits and charitable organizations provide a space for people to come together to drive a specific mission that benefits the general public. They have a distinctly unique set of exposures from volunteers, board members, donors, government regulators, and even their vendors and competitors. Whether your client needs a standalone coverage or a full suite, we can help you tailor a program that includes directors & officers liability, EPLI, cyber liability, professional liability, excess, and much more.

Faqs for Nonprofit Insurance

What types of nonprofit organizations can benefit from specialty insurance coverage?

Nonprofit insurance solutions can be tailored for charitable organizations, foundations, social service agencies, religious organizations, educational nonprofits, arts and cultural institutions, advocacy groups, and community development organizations.

What insurance coverages do nonprofits typically need?

Many nonprofits require a combination of general liability, directors and officers (D&O) liability, professional liability, cyber liability, abuse and molestation coverage, property insurance, and workers' compensation, depending on their operations.

Why do nonprofits need directors and officers (D&O) insurance?

D&O insurance helps protect board members, officers, and organizational leaders from claims alleging mismanagement, breach of fiduciary duty, employment practices issues, or regulatory violations.

Can nonprofits obtain coverage for volunteers and fundraising events?

Yes. Many nonprofit insurance programs can be structured to address volunteer activities, special events, fundraising initiatives, and community outreach programs that may create unique liability exposures.

Why should retail agents work with a wholesale insurance partner for nonprofit risks?

Nonprofits often have specialized exposures that standard markets may not fully address. Wholesale brokers and MGAs can provide access to specialty carriers, broader coverage options, and solutions for difficult-to-place nonprofit accounts.