Animal shelters
Charitable organizations
Churches and religious organizations
Community centers
Counseling and referral centersCompare insurance quotes for nonprofits
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Recommended policies for nonprofits
Whether you run a church or a charity, nonprofit insurance can help you survive unexpected losses. Find coverage that fits your organization's unique risks.
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 is also called errors and omissions insurance (E&O). It 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?
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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