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 insurance policies cover the most common risks faced by charities.
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.
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.
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).
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.
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 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:
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.