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Nonprofit Organizations Business Insurance
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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, and fulfills laws and requirements.
General liability insurance
This policy covers common risks, such as a visitor slipping on a wet floor. Bundle it with commercial 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
A BOP bundles commercial property insurance and general liability coverage in one plan. It's 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 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 workers' comp for nonprofits with employees. It also protects sole proprietors from work injury costs that health insurance might deny.
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 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 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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