What we do for nonprofit clients.
Faith-based institutions, schools, camps, community organizations, and charitable foundations.
Nonprofit boards carry real personal exposure. We build programs that protect the mission, the board, the staff, and the people you serve — without overspending donor dollars on premium.
How the program comes together.
General Liability (GL)
Premises liability, bodily injury, and personal injury coverage for sanctuaries, schools, camps, community centers, and special events.
Professional Liability / Social Services Liability
Coverage for counseling, mentoring, and direct services — matching the scope of practice and populations your organization serves.
Workers' Compensation (WC)
Properly classified and placed with carriers that understand nonprofit payroll, volunteer exposures, and state requirements.
Abuse & Molestation Liability
Dedicated limits with defense costs, written for the specific programs, screenings, and supervision protocols you have in place.
Commercial Property
Building, contents, and business income coverage for sanctuaries, schools, camps, and community centers — including outdoor and special-use structures.
Commercial Auto / Hired & Non-Owned Auto
Owned fleet, volunteer-driven vehicles, and non-owned auto for staff and volunteers transporting clients or attending events.
Umbrella / Excess Liability
Extra limits that sit above your primary GL, auto, and D&O — critical for organizations with significant public interaction.
Directors & Officers (D&O) Liability
Board-level protection with entity coverage, employment practices, and fiduciary extensions — because nonprofit directors are personally exposed.
Employment Practices Liability (EPLI)
Defense and indemnity for claims of discrimination, harassment, wrongful termination, and retaliation brought by employees or volunteers.
Cyber Liability / Data Breach Coverage
Breach response, regulatory defense, and notification costs for donor records, client data, and employee information.
We work with dozens of mission-driven organizations and know how to position your submission so carriers see the strength of your governance and risk controls.