Insurance for Charitable Organizations

Charitable Organization
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Why do charitable organizations need insurance?

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.

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Find affordable coverage

Charitable organizations can save money on insurance by comparing quotes from top-rated providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.

What types of insurance do charitable organizations need?

These insurance policies cover the most common risks faced by charities.

General liability insurance icon

General liability insurance

A general liability policy covers basic third-party risks. Bundle it with commercial property insurance for savings in a BOP, or add special event insurance for a fundraiser.

  • Slip-and-fall accidents
  • Personal injuries
  • Libel and other advertising injuries
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Business owner’s policy

A business owner’s policy, or BOP, bundles general liability coverage and commercial property insurance at a discount. It protects against common lawsuits and business property damage.

  • Visitor bodily injuries
  • Visitor property damage
  • Stolen or damaged business property
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Professional liability insurance

Professional liability insurance can cover expenses if your charity is sued for a volunteer’s mistake. It's sometimes referred to as errors and omissions insurance (E&O).

  • Lawsuits related to negligence
  • Failure to perform an organization’s duties
  • Mistakes or oversights
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Directors and officers insurance

D&O insurance protects your board of directors and officers against legal expenses if they are sued for a decision made on behalf of your charity that led to financial loss.

  • Mismanagement of funds
  • Failure to perform official duties
  • Defamation by a board member or officer
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for charities that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
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Employment practices liability insurance

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.

  • Sexual harassment lawsuits
  • Discrimination claims
  • Claims of wrongful termination
Looking for different coverage? See more policies.

How much does insurance cost for nonprofit organizations?

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A small charity with a few employees will pay less for insurance than a larger nonprofit.

Factors that affect premiums include:

  • Type of nonprofit, such as food bank or nature center
  • Business property and equipment
  • Business income
  • Nonprofit insurance policies purchased
  • Coverage options, such as limits and deductibles
  • Any additional coverage, such as special event insurance
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How do I get insurance for my charity?

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 nonprofit 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

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.

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