Nonprofit Insurance

A $500,000-revenue grassroots advocacy group and a $50M-revenue social service agency need very different insurance work. We structure programs that reflect where your organization actually sits on that spectrum.

The nonprofit practice covers seven sub-verticals, each with specific exposure profiles. A religious organization’s sexual misconduct coverage has nothing in common with an international NGO’s K&R and war risk program. A performing arts institution’s collection and event liability is completely different from a human services agency’s volunteer injury and abuse exposure.

Key coverage areas for nonprofits:

• Directors & Officers (D&O) – board governance is the fulcrum of nonprofit risk
• Volunteer liability – volunteers aren’t employees, and standard EPLI doesn’t cover them the same way
• Sexual misconduct / abuse liability – the carrier field has shrunk significantly post-Boy Scouts bankruptcy
• Special event liability – galas, fundraisers, marathons, performances
• Cyber liability – nonprofits hold donor financial information and are targeted by ransomware
• Property – museums, churches, schools, theaters, community centers with collection and deferred-maintenance considerations
• Workers’ compensation – separate considerations for paid staff vs. volunteer-injury coverage

Our senior team, led by Daniel, handles nonprofit placements directly. Contact us to review your program.

Each sub-vertical has its own page with specific coverage detail for your organization type.