Business Insurance for Charitable Organizations

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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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One application, multiple quotes

Insureon helps charitable organizations compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do charitable organizations need?

These policies provide coverage for the most common risks charities face.

General liability insurance icon

General liability insurance

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.

  • Slip-and-fall accidents
  • Damaged visitor property
  • Libel or slander lawsuits
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Business owner’s policy

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.

  • Visitor injuries
  • Visitor property damage
  • Damage to business property
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Professional liability insurance

Professional liability insurance, also called errors and omissions insurance (E&O), can cover expenses if your charity is sued for a volunteer’s mistake.

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

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.

  • 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
  • Partial missed wages
  • Lawsuits over 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 nonprofits?

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Several factors will have an impact on insurance costs, including:

  • Nonprofit services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs

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 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.

What our customers are saying
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"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."
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Charitable Organization