Nonprofit Organization Insurance — Coverage, Cost & Requirements

Nonprofits face unique liability exposures that many organizations underestimate: board members making decisions that result in lawsuits, volunteers injuring themselves or others, events attracting public gatherings, and fundraising activities that create financial accountability. A board member sued for a governance decision, a volunteer injured during a community project, or a donor alleging misuse of funds can expose your organization to serious legal costs. Nonprofit organization insurance typically includes directors and officers liability to protect board members, general liability for bodily injury and property damage at events, workers compensation for paid staff, volunteers coverage, and umbrella liability for major claims that exceed primary limits.