Different Kinds of Insurance Your Non-Profit Needs

Secure your non-profit’s needed insurance policies.

While there is a lot to consider when starting a non-profit organization, insurance should always be high up on the list. After all, you don’t want to put a lot of time and effort into an organization, only to see it crumble after one incident that could have been protected by insurance.

This list is not exhaustive for all different needed insurance policies, but are the common policies for non-profits to secure.

General Liability

This type of insurance plays an important role in protecting your organization’s finances if a person becomes injured on your property, or if property damage or injury occurs as the result of your organization’s operations. Because you can be sued for almost anything these days, one of the most important aspects of your non-profit general liability is the defense and legal help provided by your insurance company.


Property liability insurance protects your organization against loss when property becomes damaged or destroyed. Policies cover real estate such as buildings as well as office equipment, electronics, signage or furnishings. Be sure to discuss the exact coverage with your broker and let him or her know if you need any extra coverage to protect against things like earthquakes and floods.

Auto Insurance

Commercial auto insurance protects companies that use cars, trucks, motorcycles, and other vehicles in order to complete their non-profit work. This coverage will provide protection for liability for injuries to others and damage to the vehicles of others if your company is involved in an at fault accident. It will also provide physical damage coverage to your own vehicles.

Directors and Officers (D&O) Liability Insurance

Directors and officers liability provides coverage for the management decisions made by your board of directors, from decisions about programs, grant applications, and more. In an employment-related case, the board affirmatively adopts personnel poli­cies which are intentionally carried out by management. These are intentional, wilful actions that may result in some type of damage other than bodily injury. Example: An employee is terminated and alleges age dis­crimination.

Professional Liability

Professional liability is often known as errors and omissions (E&O) insurance. It protects individuals and your non-profit organization against claims made regarding their failure to perform professional duties and covers them against financial loss as a result of their actions or inactions.

Your nonprofit needs to be protected at all times from the risk of accidents. Contact the experts at Colorado Nonprofit Insurance Agency, part of HUB International in Denver, Colorado at 303-894-0298. We will work with you to ensure you are getting the most out of your coverage.