Volunteer Insurance: Who Covers Volunteers When They’re Injured on the Job?
Reading Time: 4 minutesVolunteer Insurance: Who Covers Volunteers When They’re Injured on the Job? It’s one of the most common — and most consequential — misunderstandings in nonprofit insurance: the assumption that workers’ compensation covers volunteers. It doesn’t. In virtually every state, workers’ compensation is limited to employees. Volunteers who are injured while working for your organization fall […]
Insurance for Educational Nonprofits and Charter Schools: A Complete Coverage Guide
Reading Time: 3 minutesInsurance for Educational Nonprofits and Charter Schools: A Complete Coverage Guide Charter schools and educational nonprofits operate at the intersection of two risk environments: the governance and compliance exposure of nonprofits and the student safety and professional liability exposure of educational institutions. Standard commercial policies address neither adequately. A purpose-built educational insurance program addresses both. […]
Insurance for Arts and Cultural Nonprofits: Museums, Theaters, Galleries, and Performing Arts
Reading Time: 3 minutesInsurance for Arts and Cultural Nonprofits: Museums, Theaters, Galleries, and Performing Arts Arts and cultural nonprofits combine the governance exposure of any nonprofit with unique property risks — collections, fine art, theatrical equipment, historic buildings — and the event and audience liability of high-volume public programming. A standard nonprofit package policy doesn’t address these specialized […]
Religious Organization Insurance: What Churches, Synagogues, Mosques, and Faith Communities Need
Reading Time: 3 minutesReligious Organization Insurance: What Churches, Synagogues, Mosques, and Faith Communities Need Religious organizations are 501(c)(3) nonprofits with a specific set of insurance needs that differ meaningfully from secular nonprofits. The combination of owned real property (often historic and difficult to replace), large volunteer workforces, youth programming, school operations, residential facilities, and the unique governance structure […]
Insurance for Social Service Organizations: Coverage for High-Risk Programming
Reading Time: 3 minutesInsurance for Social Service Organizations: Coverage for High-Risk Programming Social service nonprofits operate in environments that most commercial insurance underwriters find genuinely challenging — residential facilities, substance abuse treatment programs, homeless shelters, domestic violence services, re-entry programs, and intensive case management. The populations served are vulnerable. The programming is high-intensity. The liability exposure is real […]
Insurance for Foundations and Charitable Organizations: A CFO’s Guide to Coverage
Reading Time: 3 minutesInsurance for Foundations and Charitable Organizations: A CFO’s Guide to Coverage Private foundations, community foundations, and family foundations operate with governance structures, investment activities, and regulatory obligations that create insurance needs distinct from operating nonprofits. A family foundation managing a $50M endowment and making annual grants has different D&O exposure than a community organization running […]
Event Cancellation Insurance for Nonprofits: Protecting Galas, Fundraisers, and Annual Events
Reading Time: 3 minutesEvent Cancellation Insurance for Nonprofits: Protecting Galas, Fundraisers, and Annual Events For many nonprofits, a single annual gala or fundraising event represents 20–40% of the entire operating budget. That concentration of financial risk in a single evening — dependent on weather, vendor performance, venue availability, and a hundred other variables outside your control — is […]
Employment Practices Liability for Nonprofits: EPLI Coverage for Mission-Driven Organizations
Reading Time: 3 minutesEmployment Practices Liability for Nonprofits: EPLI Coverage for Mission-Driven Organizations Nonprofits are not exempt from employment law. A terminated program director who claims wrongful termination. A staff member who alleges a supervisor created a hostile work environment. A former volunteer coordinator who files a discrimination claim with the EEOC. These situations happen at nonprofits regularly […]
Cyber Liability Insurance for Nonprofits: Protecting Donor Data, Grant Systems, and Client Records
Reading Time: 4 minutesCyber Liability Insurance for Nonprofits: Protecting Donor Data, Grant Systems, and Client Records Nonprofits store some of the most sensitive personal data in any sector — donor financial information, client health and social service records, beneficiary addresses and immigration status, youth program participant data. A data breach involving any of these populations creates immediate legal […]
General Liability Insurance for Nonprofits: Costs, Requirements, and What It Actually Covers
Reading Time: 5 minutesGeneral Liability Insurance for Nonprofits: Costs, Requirements, and What It Actually Covers General liability insurance is the coverage most people picture when they think about business insurance — and for good reason. It’s the foundational protection that covers your organization when a third party is injured or their property is damaged because of your operations. […]