FAQs

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’

Yes — and grant-required insurance language is one of the most common reasons non-profits switch agencies. Federal grants, foundation grants, and government contracts often require specific carrier ratings (typically A-rated, A.M. Best), specific coverage types (commonly general liability, professional liability, workers’ comp, automobile, and cyber), specific limits, and additional-insured / waiver-of-subrogation language naming the grantor. We review grant

No — workers’ compensation only applies to employees (W-2). Volunteers are excluded by definition. However, organizations with active volunteer programs should carry volunteer accident insurance, which provides medical bills, accidental death and dismemberment benefits, and limited disability income for volunteers injured during organizational activities. Coverage is inexpensive (often under $1,000/year for substantial volunteer programs) and protects both the volunteer

This coverage protects against allegations of physical, sexual, or emotional abuse occurring during the organization’s activities or on its premises. It’s particularly important for organizations serving youth (camps, after-school programs, mentoring, faith-based youth groups), vulnerable adults (residential services, counseling), and certain residential/care contexts. Standard general liability policies often exclude or sub-limit these claims at $50K–$100K — far below

It depends on your policy. Most standard non-profit general liability policies cover regular operations and small events, but larger or non-routine events (galas with liquor service, road races, festivals, off-premises events) often need a special-event endorsement or stand-alone event coverage. Venues frequently require their own additional-insured language and minimum limits ($1M–$2M is typical). We review your event calendar and arrange

Yes — and federal/state volunteer immunity laws (the federal Volunteer Protection Act and similar state statutes) provide only limited protection. They generally don’t cover claims involving compensation decisions, willful misconduct, federal civil rights violations, or many financial-management claims. They also don’t cover defense costs, which are often the largest expense even when claims are dismissed. D&O insurance is the practical

Once you have 3–4 or more rental properties, a commercial package policy typically delivers better pricing and broader coverage than stacking individual dwelling-fire policies. Benefits include consolidated billing, blanket limits across properties, and easier expansion as you add to the portfolio. We model both approaches when quoting and let you see the side-by-side cost and coverage difference. For investors with LLC

Usually not. Most real estate E&O policies exclude or sub-limit social engineering and fraudulent funds transfer claims — even when the agent or brokerage was the victim. A dedicated cyber liability policy with social engineering coverage is the right answer. Coverage of $250K to $1M is typical, and this is one of the most-claimed coverages in real estate today. Several

Property managers typically need three coordinated coverages: (1) general liability for the management company’s office and operations, (2) property management errors & omissions for claims arising from your professional duties (trust account errors, screening claims, eviction handling, habitability complaints), and (3) employee/contractor coverage depending on staffing structure. Many property managers also add cyber liability because they handle owner financial information and tenant personal data.

No — once a property becomes a rental (full-time, part-time, or short-term), standard homeowners insurance no longer applies. Most homeowners policies will deny claims and may even cancel mid-term if the carrier discovers undisclosed rental use. Landlords need a dwelling-fire (DP-3) policy designed for rental property, which provides coverage for the structure, loss of rents, and landlord liability. Short-term rentals