Our Non-Profit Insurance Solutions

General Liability

Protects against lawsuits for bodily injury, property damage, and more.

Social Service Professional Liability

Also known as Errors & Omissions (E&O) Insurance, this coverage protects your organization against claims of negligence, errors, or omissions in the performance of professional services.

Directors & Officers Liability

Provides protection for the board members and executives of your non-profit against claims alleging wrongful acts, such as mismanagement or breach of fiduciary duty.

Commercial Automobile insurance

This coverage is essential for non-profits that rely on vehicles for community outreach, transportation of goods, and other mission-critical activities. It protects against damages from accidents, theft, and vandalism, ensuring that your organization can continue serving the community effectively without the financial strain of unexpected vehicle-related costs.

Volunteer Accident

Volunteer Accident provides coverage for injuries sustained while they are engaged in authorized volunteer activities. This insurance is designed to offer peace of mind both to your volunteers and your organization, covering medical expenses, disability, and accidental death benefits, helping you maintain a strong and protected volunteer workforce.

Abuse or Molestation insurance

Abuse or Molestation insurance offers crucial protection for non-profits, covering allegations and acts related to abuse or molestation that might occur within your organization. This policy is essential for maintaining trust and safety, ensuring that your non-profit can continue its valuable work while safeguarding those under its care against potential risks.

Property Insurance

Covers physical assets owned by your organization, including buildings, equipment, and supplies, against risks such as fire, theft, and vandalism.

Workers' Compensation

Provides coverage for employees who are injured or become ill as a result of their work. It includes benefits for medical expenses, lost wages, and rehabilitation services.

Employment Practices Liability

Protects against claims related to employment practices, including wrongful termination, discrimination, and harassment.

Cyber, Crime and Social Engineering

Safeguards against data breaches, cyber-attacks, and other online threats, covering expenses related to data breach response, cyber extortion, and losses due to data destruction and business interruption. Equip your organization with the right tools to respond effectively and maintain operational integrity in the face of cyber challenges.

Event Insurance

Ensures your fundraising events, conferences, and outreach programs are protected against cancellations and unforeseen issues.

Frequently Asked Questions

Why do non-profits need specialized insurance?

Non-profits have unique risks that standard business policies may not cover, making specialized insurance critical to protect against unforeseen events.

What’s the difference between general liability and professional liability insurance?

General liability insurance covers physical risks, like accidents, while professional liability is geared towards protecting against claims of negligence in the services you provide.

Can volunteers be covered under our insurance policy?

Absolutely, our policies can be tailored to include coverage for volunteers, essential for ensuring that all aspects of your operations are protected.

What types of events are covered under our non-profit insurance policies?

Our policies cover a wide range of events, from fundraisers and galas to community service activities, ensuring that your events are protected against liabilities and accidents.

How do we determine the amount of coverage needed for our non-profit?

We work closely with you to assess your organization’s specific risks and activities, helping you determine the right level of coverage to ensure you are neither underinsured nor overpaying.

Are there any discounts available for non-profits on insurance premiums?

Yes, we offer special discounts for non-profit organizations to make insurance more affordable. We recognize the value of your work and strive to support it by easing the financial burden of insurance premiums.

Insights

December 17, 2024

Rising Healthcare Costs: What’s Driving the Trend in 2025?

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December 17, 2024

AI and Employee Assistance Programs (EAPs): Transforming Mental Health Support in the Workplace

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Drive Other Car Coverage: What It Is and Why You Need It

When it comes to auto insurance, most people assume their personal policy will cover them in every situation. However, for individuals or businesses that rely on vehicles not personally owned—such as company cars or rental vehicles—this assumption could lead to costly gaps in coverage. That’s where Drive Other Car (DOC) Coverage comes into play. DOC coverage […]

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December 10, 2024

E&O Coverage for Builders: Why It’s Not Just About Design Mistakes

Errors and Omissions (E&O) insurance is often associated with protecting against design-related errors, but it goes far beyond that for builders. Subcontractors bring specialized expertise to construction projects, from electrical wiring and plumbing to HVAC installations and interior finishes. While this division of labor boosts efficiency and quality, it also introduces potential liability for errors […]

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December 10, 2024

Tooher-Ferraris Insurance Group Expands Arborists Insurance Program for Tree Care Specialists

The company offers tailored insurance, employee benefits, and risk management solutions to protect its clients and help them grow with confidence. Wilton, CT— 11/26/24: Tooher-Ferraris Insurance Group, a trusted insurance partner for thousands of businesses and individuals, is excited to announce the expansion of its Arborists Insurance Program for tree care specialists. With over 90 […]

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December 10, 2024

Equine Insurance Solutions for Breeders, Riders, and Trainers

Horses are a significant financial and emotional investment, and the costs associated with their care, training, and competition can be substantial. However, the risks involved in the equestrian world are equally significant. Injuries, illnesses, accidents, and even theft can result in devastating losses. Equine insurance provides a safety net, protecting you against these risks. For […]

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Ready to take the next step in securing your non-profit's future?

With our tailored insurance solutions, you can protect your mission and ensure your organization thrives. Contact us today for a free consultation, and let us help you customize a plan that fits your unique needs and challenges. Together, we can safeguard your efforts and continue to make a positive impact in the community.

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