Nonprofit Organizations Insurance
Most nonprofit organizations need general liability and directors and officers (D&O) insurance. Expect to pay about $1,500–$8,000 a year for a business with $200K–$5M in revenue.
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Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Nonprofit Organizations businesses, key exposures include volunteer injury. Common claims include volunteer injury at event.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
D&O
essentialD&O provides specialized coverage tailored to the risks Nonprofit Organizations businesses face. Common claims include d&o claim from board decision.
Varies by carrier and state
Varies by business size and risk profile
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Nonprofit Organizations businesses, key exposures include volunteer injury. Common claims include volunteer injury at event.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Commercial Property
recommendedPhysical damage to buildings, business personal property, equipment, inventory, and tenant improvements from covered perils (fire, wind, theft, vandalism).
Based on replacement cost of building and contents. Business income limits typically 12 months of projected revenue.
$750 - $5,000/year for small businesses; varies widely based on property values, construction type, and location
EPLI
situationalClaims by employees alleging wrongful termination, discrimination, sexual harassment, retaliation, failure to promote, and other employment-related violations. Agent note: EPLI is frequently needed due to employment practices complexity in nonprofits
$500K - $2M per claim / aggregate
$800 - $3,000/year for small businesses (under 25 employees); $3,000 - $15,000+ for larger employers
Volunteer Accident
situationalVolunteer Accident provides specialized coverage tailored to the risks Nonprofit Organizations businesses face. Key exposure: volunteer injury. Common claims include volunteer injury at event.
Varies by carrier and state
Varies by business size and risk profile
Risk Profile
Physical
Liability
Professional
Property
Top Risks
- Board of directors liability
- Volunteer injury
- Donor fund mismanagement
- Employment practices claims
- Special event liability
Carriers That Write Nonprofit Organizations
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Digital-first carrier optimized for micro-to-small businesses. Fast quoting process with broad class appetite and competitive pricing for straightforward risks.
Cost Estimate
$1,500 - $8,000 for businesses with $200K - $5M revenue
Key Pricing Factors
- Annual revenue ($200K - $5M is typical for this class)
- Employee count (3-30 is typical)
- Annual budget/revenue
- Number of employees and volunteers
- Programs operated
- Board governance practices