Nonprofit Organizations Business Insurance

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Top nonprofits we insure

Insureon has helped small businesses like yours secure over 1 million policies.

Animal shelters Two people shaking hands in front of building with a heart on it.

Charitable organizations A synagogue, church, and mosque side by side.

Churches and religious organizations A community center with a basketball court in front.

Community centers Counselor speaking with a client.

Counseling and referral centers

We also cover human and social services.

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?

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

View Costs

What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

Richard C.

Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

Esther L.

Management consultant

Compare insurance quotes for nonprofits

Save money by comparing insurance quotes from multiple carriers.

What kind of work do you do?

Or call us at (800) 688-1984