Nonprofit Organizations Business Insurance

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Animal shelters Charitable organizations Churches and religious organizations Community centers Counseling and referral centers

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Insureon helps nonprofit organizations compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

Common insurance policies for nonprofits

Whether you run a church or a charity, nonprofit insurance can help your organization survive unexpected losses.

General liability insurance

This policy covers common risks, such as an injury at an animal shelter or community center. Bundle with property insurance for increased savings in a business owner’s policy.

BEST FOR

Slip-and-fall accidents
Damaged client property
Libel or slander lawsuits

Business owner’s policy

This policy bundles commercial property and general liability insurance in one plan. A BOP is often the most cost-effective type of business insurance for nonprofits.

BEST FOR

Client injuries
Damaged client property
Damaged business property

Professional liability insurance

Professional liability insurance for nonprofits, also called errors and omissions insurance, covers legal expenses when an oversight or mistake leads to a lawsuit.

BEST FOR

Professional negligence lawsuits
Failure to perform professional duties
Mistakes made while providing services

Directors and officers insurance

D&O insurance for nonprofits protects directors, officers, and board members against legal expenses if they are sued for a decision they made on behalf of the company.

BEST FOR

Defamation by a board member or officer
Mismanagement of funds
Failure to perform official duties

Workers’ compensation insurance

Workers’ compensation insurance is required in almost every state for nonprofits that have employees. It can cover medical costs for work-related injuries.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Employment practices liability insurance

If an employee sues a nonprofit over harassment, discrimination, or another violation of rights, employment practices liability insurance (EPLI) can pay for legal costs.

BEST FOR

Sexual harassment lawsuits
Discrimination claims
Claims of wrongful termination

Looking for different coverage? See more policies.

How much does insurance cost for nonprofits?

Person writing on tablet calculating cost of business insurance.

Several factors will have an impact on insurance costs, including:

Nonprofit services offered, such as counseling or pet adoption
Business equipment and property
Revenue
Location
Number of employees

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What our customers are saying

"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"

Jessica Shannon

Customer since 2016

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