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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, and fulfills laws and requirements.
General liability insurance
This policy covers common third-party risks, such as a visitor slipping on a wet floor. Bundle it with commercial property coverage for increased savings in a business owner's policy (BOP).
BEST FOR
- Slip-and-fall accidents
- Damaged client property
- Libel and slander lawsuits
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often one of the most cost-effective types of business insurance for nonprofits.
BEST FOR
- Client injuries
- Accidents that damage a client's 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 that led to financial loss.
BEST FOR
- Defamation by a board member or officer
- Mismanagement of funds
- Failure to perform official duties
Workers’ compensation insurance
Most states require this type of coverage for nonprofits with employees. Workers' comp also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee bodily 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 help cover legal costs.
BEST FOR
- Sexual harassment lawsuits
- Discrimination claims
- Claims of wrongful termination
Looking for different coverage? See more policies.
How much does business insurance cost for nonprofits?
Several factors impact the insurance costs for nonprofit organizations, including:
- Not-for-profit services offered, such as counseling or pet adoption
- Business equipment and property
- Annual business revenue
- Where your organization operates
- Number of employees and volunteers on staff
How do I get nonprofit insurance?
It’s easy to find insurance for 501(c)(3) organizations. Whether you’re a church, animal shelter, or charitable cause, you’ll need to have some basic information about your business available.
Our application will ask for your annual revenue and payroll, among other details. You can buy a policy online and get access to a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare free quotes and choose a policy.
- Pay for your policy and download a certificate for proof of insurance.
Insureon's licensed insurance agents work with top-rated U.S. insurance companies to find the right insurance plan for your nonprofit, whether you run a community center with several employees and volunteers or a small counseling center.
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Common questions about nonprofit 501(c)(3) organization insurance
Why do nonprofits need directors and officers insurance?
Any nonprofit organization with a board of directors should consider directors and officers insurance, a type of management liability insurance.
D&O insurance pays for lawsuits related to decisions made by your board of directors, as well as officers elected or appointed by the board.
Your directors and officers take on responsibilities and risks on behalf of your company. If someone sues them for a decision they made that caused a financial loss or other grievance, your directors and officers liability policy can safeguard them.
D&O protects board members from lawsuits related to:
- Mismanaged funds
- Employee grievances
- Slander, libel, and copyright infringement claims
- Failure to follow organizational bylaws
- Failure to comply with regulations
A management liability insurance bundle is a great way for nonprofits to get complete coverage as it can include D&O, employment practices liability insurance, commercial crime insurance, and fiduciary insurance. All of these policies can be beneficial to your 501(c)(3) organization.
You can speak with a licensed insurance agent to make sure your nonprofit is getting the right coverage to meet your insurance needs.
What other insurance coverage do nonprofits need?
There are several types of insurance policies nonprofit organizations should consider for their risk management plan. Additional coverages to consider are:
- Special event insurance gives you peace of mind by making sure you won’t lose money due to a mishap or cancellation of an important event, such as a walkathon, bake sale, dinner, or gala.
- Commercial auto insurance covers your legal bills, medical expenses, and property damage if your nonprofit-owned vehicle is involved in an accident. It also pays for damage to your vehicle from weather or vandalism, along with car theft.
- Business income insurance, also known as business interruption coverage, offsets your lost net income when your business is forced to close because of a fire or other covered peril. These funds help cover your day-to-day expenses until you can resume business operations.
- Data breach insurance, a form of cyber liability insurance, safeguards businesses from the costs of a data breach or other cyber threats.
- Commercial crime insurance, also referred to as fidelity insurance, financially protects your business from criminal acts committed by employees against customers or clients.
- Fiduciary liability insurance is a specialized type of management liability insurance that protects employee benefit plan fiduciaries against claims they mismanaged plans or assets.
- Umbrella insurance covers legal expenses when the limit is reached on another liability policy, such as general liability or commercial auto insurance.
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Food banks and other charities often face limited resources and high demand for their services. By managing risks, they can insulate their finances and continue to meet their goals.