Insurance and Policy – What Should Your Nonprofit Consider?

Safeguard your nonprofit with reliable insurance coverage.


Small nonprofits are small businesses, even if their primary objective is not to generate a profit. As such, nonprofit owners should ensure that their organizations have the right insurance coverage in place. No two nonprofits are alike and not every nonprofit will need the same insurance. However, there are several types of insurance policies that nonprofits should consider to protect their hard work. Take a look at a few below.


  • General Liability Insurance

General liability is the policy that addresses bodily injury and property damage claims. It also includes a defense for personal and advertising injury claims, such as copyright infringement.


  • Property Insurance

Whether you own or rent a space from which your nonprofit operates out of, be sure to protect it with commercial property insurance. Instances such as a burst water pipe, fire, natural disaster, theft, and vandalism can hurt your organization and funds.


  • Directors and Officers/Employment Practices Liability Insurance

D&O is coverage that protects leadership against a variety of lawsuits. It is a management liability coverage that works to safeguard the nonprofit’s key people. Employment practices liability coverage helps to protect against claims arising from discriminatory practices and sexual harassment.


  • Workers’ Compensation

Workers comp is designed to safeguard your employees and volunteer workforce. It helps to pay medical expenses, disability, and death benefits for injured workers. Volunteer accident insurance pays for minor injuries to volunteers who are donating their time and expertise to your cause.


  • Cyber Liability Insurance

Donor data, employee information, confidential client details, and more can be accessed on a nonprofit’s computer server and devices. Cyber liability insurance helps when nonprofits experience cyber theft.


Securing the right insurance doesn’t have to be hard. To find the right coverage for your needs, contact the experts at Colorado Nonprofit Insurance Agency, part of HUB International in Denver, Colorado at 303-894-0298.