We primarily write Property & Casualty insurance for nonprofit organizations. This includes General Liability, Directors & Officers (D&O), Abuse & Molestation (Improper Sexual Conduct), Cyber Liability, Auto, Property, and more.

These coverages are also relevant to the for-profit sector. If you’re a for-profit entity, feel free to reach out, we may be able to help.

Please note: We do not offer workers’ compensation, health, or life insurance.

We serve a wide range of nonprofit organizations, including senior centers, recovery programs, foundations, foster care agencies, animal rescues, and more.

The Nonprofits Insurance Alliance (NIA) is a 501(c)(3) insurance company that exclusively insures 501(c)(3) organizations. Here’s why that matters:

Most commercial insurance carriers are for-profit entities with shareholders, which can lead to steady premium increases year after year. NIA is different because they’re a nonprofit themselves. No shareholders to answer to means pricing tends to be far more stable. In fact, NIA went nearly 10 years without raising General Liability rates.

Founded in 1989 during the “liability insurance crisis,” NIA began in California and now operates in 32 states plus Washington, D.C.

• They understand nonprofit-specific risks like volunteers, vulnerable populations, and unique liability exposures.
• As a nonprofit, they reinvest earnings instead of distributing profits.
• NIA offers free risk management consulting, tools, & training resources to all members.

A “hard market” is a period when insurance becomes more expensive and harder to obtain. Carriers raise rates, restrict coverage, tighten underwriting, and in some cases, stop insuring certain industries altogether.

Yes, we’re currently in a hard market across many lines. This shift began around 2020 and has particularly impacted nonprofit sectors like social services, childcare, and animal welfare.

D&O protects your board and leadership team against claims like mismanagement, breach of fiduciary duty, or employment practices violations.

Board members can be sued individually or as a group, and even if a claim is baseless, you still have to defend yourself.

Defense costs can easily exceed $400/hour, which is why having a policy with defense coverage included is so important.

General Liability covers unintentional acts (like slip-and-fall accidents). D&O, on the other hand, covers intentional acts. Specifically, decisions made by your board that may result in financial or reputational harm (as defined legally, not just physically). 

Without a D&O policy in place, you’re leaving a serious gap in your coverage that could expose your organization to lawsuits.

Yes. This coverage is especially critical for nonprofits working with children or vulnerable adults. Most policies cover both employees and volunteers.

Ten years ago, cyber insurance wasn’t on our radar. Today, it’s one of the fastest-growing risks for many organizations.

• Funds transfer fraud (the most common claim we see)
• Data breaches
• Ransomware attacks
• Privacy violations
• Legal defense, breach notifications, and IT forensics

Who we use: Our preferred provider is Coalition. We like them because of their use of “Active Insurance,” which scans your systems for vulnerabilities and helps prevent claims before they happen.

We start with a 20–30 minute virtual meeting to learn about your organization and assess your operations and exposures. After that, we’ll have you complete an online application. Once submitted, we’ll send it to our underwriters and work with you to provide any additional information they need.

Consultations, virtual meetings, and any quotes we produce are non-binding and come with no obligation. We are here to educate you on the ins and outs of the insurance products. We take great pride in our retention and will never push you in any way.

We like to give our underwriters at least 30 days lead time from the requested effective date. 

Premiums vary based on several factors:

• Size of your organization
• Type of services you offer
• Claims history
• Staff and volunteer roles
• Background check protocols
• Coverage limits and deductibles