Directors and officers
A board decision is challenged and your volunteer leaders are named personally.
Nonprofit and Community Organization Insurance
Nonprofits protect a mission on a lean budget. We fit directors and officers, volunteer, and property coverage to how you operate.
We shop the market for you, no broker fees
GuideOne
Nonprofit and human services
Philadelphia Insurance Companies
Nonprofit organizations
Great American
Nonprofit and social services
Travelers
Nonprofit institutions
Chubb
Nonprofit management liability
Markel
Human services
The Hartford
Community organizations
AmTrust
Nonprofit workers compensation
How it works
10 minute form
A few questions about your business or home.
We shop the market
We compare carriers and read the forms line by line.
Pick the best policy
We explain what is covered, what is not, and what it costs.
Nonprofits and Community
- Directors and officers
- Volunteers and events
- Property and auto
What changes your premium
There is no flat rate for this coverage. These are the inputs a carrier prices against, and they are the same things the quote form asks you for.
- Programs and people served
- Staff, volunteers, and payroll
- Events, transportation, and youth activities
- Property and donated goods
- Board responsibilities and funding sources
- Claims history and requested limits
Text us. We're by your side.
Common exposures in this line of work
Volunteers and events
Volunteers and public events create injury and liability exposure beyond a standard office.
Property and auto
Facilities, equipment, and vehicles used for the mission.
Mission-driven organizations of every size, including:
- Social service agencies
- Food banks and pantries
- Youth programs and after-school care
- Faith-based organizations
- Private schools and preschools
- Arts organizations and theaters
- Museums and historical societies
- Animal rescues and shelters
- Community health clinics
- Housing and homelessness services
- Environmental and conservation groups
- Foundations and grant-making bodies
- Membership associations
- Volunteer-run organizations
The coverages this industry actually buys
General Liability
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.
Commercial Property
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
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.
Commercial Auto
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.
Workers' Compensation
Paid staff are covered by workers' compensation from the first employee in California. 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.
Related from the Menlo Library
Questions we get asked
The longer answers, with the form numbers, live in the Library.
Which policies do nonprofits and community businesses usually need?
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.
What information do you need to quote nonprofits and community insurance?
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.
Can you help if a standard carrier already declined the account?
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.
How do you compare the quotes you receive?
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.
Get it placed by someone who reads the fine print
Start a quote and a licensed broker takes it from there, or talk to one now.