Nonprofit Organizations Business Insurance

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Top nonprofits we insure

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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, 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?

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

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