Business Insurance for Charitable Organizations

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Charitable Organization
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An injured volunteer or damage to a fundraiser’s venue could result in a lawsuit or even bankruptcy. Shield your organization with policies that protect your volunteers and your hard-won funds.

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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
Business owner’s policy icon

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
Professional liability insurance icon

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
Directors and officers insurance icon

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
Employment practices liability insurance icon

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.

Why do charitable organizations need business insurance?

From a fire at your office to an injury at your walkathon or 5K race, running a charity involves numerous risks. Charity insurance, including special event insurance for fundraisers, can cover your expenses, allowing you to continue helping the community through your philanthropic work.

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
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