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Nonprofit Organization Insurance

Typically bundles general liability with board and volunteer protections, built around the specific risks nonprofits face that a generic business policy misses.

Get a quote for Nonprofit Organization

What it covers

  • General liability for events, programs, and physical locations
  • Board and officer liability protections
  • Volunteer-related coverage for programs relying on unpaid staff
  • Event-related liability, including offsite fundraisers

What it doesn't cover

  • Professional errors in services provided (may need separate Professional Liability)
  • Employment claims from paid staff, unless specifically included
  • Property damage to a rented venue beyond standard limits
  • Intentional misconduct by staff or volunteers

Who needs this

Any nonprofit organization running programs, events, or relying on volunteers, especially those with a board of directors who could be named individually in a claim.

From our horror stories

The Fundraiser That Became a Liability

A nonprofit's annual gala ends with an injured guest and a lawsuit the organization never expected to face.

Read the full story →
Common questions

Nonprofit Organization Insurance FAQ

Isn't general liability enough for a small nonprofit?

Standard general liability often misses board exposure and volunteer-specific risks that nonprofit-tailored policies are built to address.

Does this cover our fundraising events?

Yes, typically, including offsite events at rented venues, though it's worth confirming details for any unusual event format.

Are our volunteers covered the same as employees?

Volunteer coverage usually needs to be specifically included, since standard employment-based coverage doesn't automatically extend to unpaid volunteers.

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