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

November 20, 2024

Legal Alert: Don’t Forget About Your Gag Clause Attestations

When the Consolidated Appropriations Act, 2021 (the “CAA”) was enacted on December 27, 2020, it included a provision that prohibits group health plans and health insurance carriers from entering into certain agreements that, either directly or indirectly, restrict the release of certain information related to provider networks and de-identified encounter data, among other things. Such […]

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October 28, 2024

Legal Alert: Are You Prepared to Comply with the New Mental Health Parity Final Rule in 2025?

On September 9, 2024, the DOL, IRS, and HHS released a final rule for the Requirements Related to the Mental Health Parity and Addiction Equity Act (The “MHPAEA Final Rule”).  The MHPAEA Final Rule is similar to the Proposed Rule released on July 25, 2023, with some marked differences.  While the MHPAEA Final Rule is […]

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October 23, 2024

IRS Adjusts Health Flexible Spending Account and Other Benefit Limits for 2025

On October 22, 2024, the Internal Revenue Service (IRS) released Revenue Procedure 2024-40, which increases the health flexible spending account (FSA) salary reduction contribution limit to $3,300 for plan years beginning in 2025, an increase of $100 from 2024.  Thus, for health FSAs with a carryover feature, the maximum carryover amount is $660 (20% of […]

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October 21, 2024

The Financial Benefits of Offering Additional Health Plans

Employers are increasingly aware of the need to provide flexible and comprehensive health benefits to attract and retain top talent. While offering multiple health plan options may seem like an added expense, it can actually lead to significant cost savings for companies in the long run. By catering to the diverse needs of employees, employers […]

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October 21, 2024

What You Need to Know About Executive & Professional Liability Insurance

As a business executive, the decisions you make can significantly impact your company and stakeholders. In today’s increasingly litigious environment, even the most experienced professionals face legal risks that could potentially derail their careers. For executives, having the right professional liability coverage is crucial. This guide highlights key coverage details, industry-specific needs, and strategies to mitigate […]

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October 21, 2024

How to Choose the Right Commercial Truck Insurance

The transportation industry is the backbone of commerce, moving goods across vast distances to ensure supply chains stay intact. If your business relies on a fleet of trucks, ensuring they are protected is very important to your bottom line. Commercial vehicle insurance helps you comply with legal requirements and safeguards your operations from financial pitfalls in case […]

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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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