Non-Profit Insurance

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