Liability & Property Insurance for Nonprofits

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Coverage for a wide range of negligent acts which result in bodily injury, property damage, personal injury, or advertising injury. Liquor liability included at no extra fee. Commercial General Liability must be in place to add any other options listed here.

Coverage for employees, volunteers, interns, students-in-training, and independent contractors for damages resulting from errors and omissions in the provision of certain professional services.

D&O, fiduciary, and employment practices (EPLI) coverage for the organization and its directors and officers, employees, and volunteers for allegations of wrongful acts. Affordable flat-rate D&O without EPLI for nonprofits without employees.

Coverage for vehicle fleets of all sizes, driven by employees or volunteers. Can include personal vehicles that are being used for nonprofit work.

Coverage for the physical assets a nonprofit owns or leases — such as buildings, office equipment, computers, furniture, etc. Generous, modified BOP, includes business income and extra expense.

Limited coverage for injury to a volunteer or participant (depending on the coverage) on a no-fault basis. May apply prior to (or in excess of) an individual’s health insurance policy.

Coverage for nonprofit employees, volunteers, and the organization for allegations of sexual and/or physical abuse. Event trigger and claims-made available.

While a $1 million limit works for most claims, umbrella liability provides the excess coverage some nonprofits may need.