Non-Profit Insurance
Non-profit organizations face a distinctive risk profile: they operate with limited reserves, rely on volunteers, serve vulnerable populations, and are governed by boards who owe fiduciary duties to the organization. A single lawsuit — from an employee, a program participant, or a donor alleging fun…
Key Coverages for Non-Profit Businesses
- Directors and officers (D&O) liability for board and officer decisions
- Employment practices liability for employment-related claims
- General liability for premises, events, and programs
- Fidelity/crime coverage for employee and volunteer dishonesty
- Sexual abuse and molestation liability
- Volunteer accident coverage for injured volunteers
Frequently Asked Questions
Do non-profit board members need D&O insurance?
Yes. Board members can be personally liable for governance decisions — a donor suing for fund misuse, a terminated employee claiming wrongful dismissal, or a regulatory action can all name individual board members. D&O covers defense costs and settle…
Does a homeowners policy cover a non-profit board member's governance liability?
Standard homeowners personal liability typically excludes business and professional duties. Serving on a non-profit board is generally treated as a professional duty and would likely be excluded. Board members should not rely on personal coverage for…