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Non-Profit Insurance

You help others. We help you with your insurance.

Non-profit insurance provided by Insurance Incorporated.

Even though your organization’s goal is to help people, you are still running a business. That means your non-profit needs to protect itself against the risks that small business owners face. We’ll help you design a non-profit insurance policy that covers your organization’s unique needs.

Secure Your Non Profit Organization with Comprehensive Insurance Solutions

At Insurance Incorporated, we understand the unique challenges faced by nonprofit organizations. That’s why we are committed to providing tailored insurance solutions that protect your mission, your people, and your assets. With our extensive expertise and direct appointments with leading insurance companies, we offer a comprehensive range of coverage options at some of the lowest rates in the industry.

Coverage Tailored to Your Non Profit’s Needs

We specialize in offering insurance coverage specifically designed for non profit organizations. Our policies cover a wide range of areas, ensuring your organization is protected from various risks. Whether you need coverage for General Liability, Directors & Officers, Fiduciary Liability, Workers Compensation, Property, Commercial Auto Insurance, or Health Insurance we have you covered.

Why Choose Non Profit Insurance?

  1. Direct Appointments with Leading Insurers: As a directly appointed insurance provider with the industry’s leading companies, we have the advantage of offering you exclusive access to comprehensive coverage options at highly competitive rates. We compare the insurance markets for you.
  2. Tailored Coverage Solutions: We understand that every nonprofit organization is unique, with its own set of risks and requirements. Our experienced insurance professionals work closely with you to assess your organization’s needs and tailor coverage solutions that address your specific risks and concerns.
  3. Affordable Rates: Nonprofit organizations often work with limited budgets. We recognize this and strive to provide cost-effective insurance solutions without compromising on the quality of coverage. Our commitment to offering some of the lowest rates in the industry ensures that you can protect your organization without breaking the bank.

Get Your Free Quote Today!

Take the first step towards securing your nonprofit organization with reliable insurance coverage. Contact our office today at 877-898-9333 to receive a free, no-obligation quote. Our knowledgeable insurance specialists are ready to guide you through the process and answer any questions you may have.

Protect Your Nonprofit. Protect Your Mission. Choose Non Profit Insurance Today!

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Non-Profit
Directors and Officers Insurance
Risk Factor

What happens if a board member invests the non-profit's assets unwisely and loses everything? A creditor might sue the non-profit as well as its directors and officers. Non-profit organizations are not immune to lawsuits. It’s possible someone may disagree with the way you run the organization and file suit. Oftentimes, non-profits don't have deep pockets to fight these types of lawsuits, therefore putting the organization at risk.

Solution

Directors and officers liability insurance protects your directors, officers, trustees, employees, volunteers, and the entity from any act or alleged act, error, omission, misstatement, misleading statement, or breach of duty.

General Liability Insurance
Risk Factor

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen that make your non-profit susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Workers' Compensation
Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Commercial Property Insurance
Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your organization.

Solution

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Employment Practices Liability Insurance (EPLI)
Risk Factor

On average, it's estimated that three out of five businesses will be sued by their employees. Claims can stem from just about anything, such as someone taking a joke the wrong way and being offended. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.

Business Income Insurance
Risk Factor

What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as a data breach or cyber attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Professional Liability
Risk Factor

Lawsuits can happen to anyone, and the damages can be hefty whether you win or lose. Even if you’ve done nothing wrong, you’ll need to defend yourself. So regardless of whether a contract requires it, without professional liability coverage, you could be putting your business’ future at risk.

Solution

Similar to directors and officers liability insurance, professional liability coverage protects against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment. It covers not only directors and officers, but also staff, volunteers, and the non-profit organization itself.

What coverage does your non-profit need?

Because non-profits vary in size and type, there are many coverage options available to best fit the needs of your organization. Some factors to consider in building a policy are whether or not you deal with members of the public at risk of injury, such as elderly or disabled people. You’ll also need to think about any transport you use, particularly if it’s to carry people who aren’t staff. You might even face claims if people are hurt or face costs because of shortcomings in the help or advice you provide.

Policies for your staff and directors.

It’s also particularly important to check how a non-profit insurance policy distinguishes between the organization itself and the personal liabilities of any directors. Meanwhile, if you employ staff, you’ll also need to look at potential risks such as claims of harassment or discrimination.

To make sure you get the right insurance policy for your non-profit, contact us today.

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