Nonprofit Insurance: Protecting Your Mission
Nonprofits face many of the same risks as for-profit businesses — plus unique exposures related to volunteer management, board governance, donor relations, and event liability. Proper coverage protects your organization and the individuals who serve it.
Essential Nonprofit Coverages
Directors & Officers (D&O)
The most important coverage for nonprofits. Board members serve voluntarily and face personal liability for organizational decisions. D&O coverage is essential for recruiting and retaining quality board members.
General Liability
Covers injuries at events, programs, and your facilities. Essential for any nonprofit with public-facing activities.
Volunteers & Participants
Accident insurance for volunteers and program participants fills gaps that GL doesn't cover.
Employment Practices Liability
Covers claims from employees and even volunteers alleging discrimination, harassment, or wrongful termination.
How Much Does Nonprofit Insurance Cost?
Small nonprofits typically pay $1,000–$4,000/year for a D&O + GL package. Larger organizations with events and programs pay $5,000–$15,000+.
