Pricing varies significantly by organization size, programs, and exposures. Rough ranges for a small to mid-sized non-profit (under $1M revenue, no transportation, no high-risk programs):

· General liability: $500–$2,500/year for $1M/$2M limits
· D&O: $750–$3,500/year for $1M limits
· Property (if owned facility): varies widely by building value
· Workers’ comp: based on payroll and class codes
· Cyber: $750–$3,000/year
· Auto (if vehicles): $1,500+/year per vehicle

Most small non-profits’ total insurance costs land between $2,500 and $10,000 annually. Larger organizations with property, multiple vehicles, residential programs, or high-risk activities scale from there. We model the full stack and quote across multiple carriers.