Insurance We Offer
Non-Profit Insurance
Purpose-built coverage for the organizations that hold our community together — from board governance to day-to-day operations.
Non-profits face a mix of risks that standard commercial policies were never really designed for. A single organization can hold board governance responsibilities, run volunteer-led programs, host public events, serve vulnerable populations, and manage donor dollars — often all in the same week.
We place non-profit coverage with specialty carriers who actually understand the sector. That means the right protection at the board level, the right protection for your programs and property, and a policy structure that fits how a mission-driven organization really operates.
What this coverage can include
Management Liability
Protection for the board, staff, and the organization itself.
- Directors & Officers (D&O) liability
- Employment Practices Liability (EPLI)
- Fiduciary liability
- Wage & Hour protection (optional)
- Outside Excess Directorship coverage
Organization Coverage
Protection for programs, property, and day-to-day operations.
- Property — building, contents, equipment breakdown, business income
- General liability (up to $1M / $3M)
- Professional liability (up to $1M / $3M, optional)
- Abuse & molestation (separate limit up to $1M)
- Crime coverage with social engineering fraud protection
- Hired & non-owned auto ($1M)
- Cyber liability
- Event and special-event liability
Coverages and availability vary by carrier, state, and policy. Contact us to review the specific options available to you.
Non-Profit Insurance — Frequently Asked Questions
Do we really need D&O insurance if we're a small non-profit?
In almost every case, yes. Directors & Officers coverage protects your board members personally if the organization is sued over a governance decision — things like a wrongful termination claim, a discrimination complaint, or a dispute with a vendor or donor. Even a small non-profit can face a claim, and a good D&O policy is often the difference between a manageable defense and a personal financial hit for a volunteer board member.What is abuse & molestation coverage, and why is it a separate limit?
Abuse & molestation coverage protects the organization against claims arising from alleged misconduct by employees, volunteers, or third parties in your care. Because of the seriousness of these claims, carriers write it as a distinct limit — often up to $1M — that sits alongside your general liability rather than sharing that policy's limits. If your non-profit works with children, seniors, or other vulnerable populations, this coverage is essential.We're all-volunteer — do we still need workers' compensation?
Even without paid staff, most non-profits need to think carefully about volunteer injury coverage. Massachusetts workers' comp rules don't cover volunteers, but a Volunteer Accident policy can — and general liability protects against third-party injuries. We'll walk through your specific setup and make sure the right layer is in place.Are our board members personally protected?
With the right Management Liability policy, yes. D&O coverage responds to claims made against individual directors and officers, so their personal assets aren't at risk for decisions they make in service to the organization. This is one of the most important reasons boards ask about insurance in the first place.We host fundraisers and community events — is that covered?
Most non-profit policies include some level of event coverage, but hosting fundraisers, galas, auctions, or festivals can introduce risks a standard policy doesn't fully address — things like liquor liability, vendor accidents, or attendee injuries. We'll review your calendar and add event or special-event liability where it makes sense.Is cyber a real risk for a non-profit our size?
Yes. Non-profits hold donor data, payment information, and often sensitive records about the people they serve — all of which make them a target. Cyber liability coverage helps with breach response, notification costs, and defense against related claims. It's become one of the coverages we recommend most.