From a fire at your office to an injury at a walkathon or 5K race, running a charity involves numerous risks. Charity insurance, including special event insurance for fundraisers, can cover your expenses, so you can continue helping the community through your philanthropic work.
These policies provide coverage for the most common risks charities face.
General liability insurance covers common third-party risks. Bundle with commercial property insurance for savings in a BOP, or add special event insurance for a fundraiser.
A business owner’s policy bundles general liability and property insurance in one plan. A BOP is often the most cost-effective type of commercial insurance for charities.
Professional liability insurance, also called errors and omissions insurance (E&O), can cover expenses if your charity is sued for a volunteer’s mistake.
D&O protects board members and officers against legal expenses if they are sued for a decision made on behalf of your charity that led to financial loss.
Most states require workers' comp for charities that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
If a charitable organization is sued by an employee over harassment, discrimination, wrongful termination, or another violation of employee rights, EPLI can pay legal costs.
It's easy to get business insurance and fidelity bonds for your charitable organization if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your charity, whether you work independently or hire employees.