Protect your programs, volunteers, events and board from claims. We shop carriers that insure organizations like yours.
A few questions about your business or home.
We compare carriers and read the forms line by line.
We pick the best policy and get you covered.
A board decision is challenged and your volunteer leaders are named personally.
Volunteers and public events create injury and liability exposure beyond a standard office.
Facilities, equipment, and vehicles used for the mission.
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
Premises, programs, and public events all sit here: a visitor injured at the facility, damage at a rented hall, a claim arising from an activity you ran. General liability pays the defense and the damages. Events involving alcohol, minors, or athletics are usually endorsed or excluded, so what the policy says about your programs matters more than the limit does.
Facilities, program equipment, donated goods, and office contents, insured at each location you own or occupy. Donated property and equipment loaned out to volunteers are the parts nobody remembers to schedule. Valuation, deductible, and whether business income applies to grant funded operations are all worth settling before a loss rather than after one.
Directors and officers liability covers the board and management for claims arising from decisions made in that role: employment disputes, donor and grant conflicts, allegations of mismanagement. It is a separate line from errors and omissions and from general liability, written claims made, and placed through specialty markets. Volunteer board members are named personally in these suits, which is the whole reason the policy exists.
Owned vehicles, a van rented for one event, and volunteers driving their own cars on your behalf are three different coverages on a single policy. Hired and non owned auto is the part that responds when the vehicle is not yours, and it is the piece most often missing from a nonprofit policy. Settle who drives what before the program starts, not after the accident.
Paid staff are covered by workers' compensation from the first employee in most states. Volunteers usually are not, unless the policy is endorsed to include them or state law sweeps them in. Which side of that line your people fall on is worth answering in writing, because a volunteer injury with no comp behind it becomes a liability claim instead.
The right program depends on the operation, but the lines we most often evaluate are General Liability, Commercial Property, Directors and Officers, Commercial Auto, and Workers' Compensation. We confirm which exposures are present before recommending a policy, so you do not pay for a line simply because it appears on a standard checklist.
Have your programs, revenue, staff and volunteers, events, vehicles, property, board activities, and loss runs ready. A complete submission lets carriers evaluate the account on the actual operation and reduces follow-up questions before they can quote.
Often, yes. A decline does not guarantee another carrier will quote, but it tells us where the standard market stopped. We review the reason, improve the submission where the facts support it, and approach specialty markets when they are appropriate.
We compare the coverage form, limits, deductibles, exclusions, carrier financial strength, binding requirements, and total cost. The lowest premium is not the best option when the form removes the protection the business needs.
Fill in one short form or call us. No broker fees.