At Kelly Insurance Group, we understand that nonprofit organizations face the same risks as for-profit businesses — but often with fewer resources and higher public expectations. Whether you run an animal rescue, a youth mentoring program, or a local arts foundation, you deserve coverage that protects your mission, your volunteers, and your board of directors.
Our specialized nonprofit insurance programs provide comprehensive protection for 501(c)(3) and other tax-exempt organizations. We partner with respected carriers like USLI, Chubb, and Liberty Mutual to deliver flexible, affordable, and industry-specific coverage options.
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HOW CAN KELLY INSURANCE GROUP HELP?
Kelly Insurance Group understands the unique insurance needs of non-profits, and we’re here to help you find the coverage you need. In this article, we’ll explore some of the key types of insurance that non-profits should consider and how they can benefit your organization.
Non Profit General Liability Coverage
Non profit insurance is designed to protect organizations, their leaders, and their mission. Whether you run a 501(c)(3) charity, community group, foundation, or membership association, insurance for non profit organizations helps safeguard against unexpected risks. Liability insurance for a nonprofit organization typically covers claims such as bodily injury, property damage, and personal injury arising from events, volunteers, or day-to-day operations. Non profit liability insurance is critical because nonprofits can still be sued—even when operating for charitable purposes. Common nonprofit liabilities include slip-and-fall accidents at events, employment practices claims, and governance decisions made by directors and officers. This makes general liability insurance for nonprofits and specialized coverages like directors and officers insurance nonprofit policies essential for financial protection.
WHAT DOES A PHISHING EMAIL LOOK LIKE?
Non-Profit Insurance Programs Tailored to Your Mission
Click a category below to see coverage highlights and eligibility. Kelly Insurance Group helps nonprofits secure affordable, right-fit protection—fast quotes, expert guidance, and honest advice.
Arts & Culture Nonprofit Insurance
Coverage built for performing arts groups, theater companies, orchestras, choral groups, galleries, museums, and theater buildings. Optional abuse & molestation protects programs involving children or classes; inland marine can follow traveling theater and equipment.
Best For
- Performing arts, orchestras, choral groups
- Galleries, museums & theater venues
- Traveling productions with gear
Common Add-Ons
- Abuse & molestation coverage
- Inland marine (props, sets, instruments)
Business Associations Insurance
Affordable protection for chambers of commerce, professional associations, trade groups, and membership organizations. Includes coverage for meetings, networking events and blanket special event options. Education enhancement extends to seminars and workshops; abuse & molestation available up to $1M.
Best For
- Chambers & business membership orgs
- Professional & trade associations
- Frequent fundraisers & workshops
Highlights
- Competitive package pricing
- Seminar/workshop coverage built-in
Charities & Foundations Insurance
Designed for charitable and fundraising organizations including arts and cultural support groups, booster clubs, foundations, and PTAs/PTOs. Blanket special event coverage and concessionaire activities available. Abuse & molestation up to $1M supports youth-focused programs; education enhancement covers seminars and workshops.
Best For
- Charitable orgs & community foundations
- PTA/PTO & booster organizations
- Youth-oriented fundraisers
Highlights
- Events & concession coverage
- Education enhancement endorsement
Condo & Homeowners Association Insurance
Coverage for homeowner, townhome, and residential condo associations—including amenities like pools, lakes, and beaches. Community association D&O protects board decisions. Property coverage available up to $1.5M TIV; we also address dwellings converted into condo associations in major metros.
Best For
- HOAs, POAs & condo associations
- Communities with pools, lakes, beaches
Highlights
- Community Association D&O
- Metro condo conversion expertise
Houses of Worship Insurance
Protection for churches, synagogues, mosques, and temples. Fundraisers, special events, and outreach activities are covered automatically. We can consider food banks, soup kitchens, thrift stores, missions, prison ministries, retreats, and youth programs. Options include pastoral professional, abuse & molestation, and defense reimbursement on certain criminal proceedings.
Best For
- Faith communities & multi-site ministries
- Food banks, thrift stores & outreach
Highlights
- Automatic fundraiser/special event coverage
- Defense reimbursement (select scenarios)
Premises-Only Liability for Nonprofits
A streamlined liability policy to satisfy lease requirements if your nonprofit only needs premises protection. Add your landlord as an additional insured at no extra cost.
Best For
- Small offices & meeting spaces
- Program sites with minimal operations
Highlights
- Simple, fast approval
- Landlord AI at $0 premium
Nonprofit Umbrella & Excess Liability
Add up to $5,000,000 in extra limits for catastrophic protection. Supported or stand-alone over GL, D&O, professional, host liquor, sexual abuse, auto liability, and employers liability. No self-insured retention, follow-form defense cost trigger, and we can write above carriers rated B++ or better.
Stacks Over
- General Liability, D&O, Professional
- Host Liquor, Sexual Abuse, Auto, Employers
Highlights
- Supported or stand-alone
- Accepts B++ or better underlying
Social Clubs & Private Membership Insurance
Coverage for auxiliary groups, cultural and ethnic clubs, hobby clubs, veterans organizations, and private membership groups. Optional commercial liquor liability available with assault & battery coverage.
Best For
- Social, cultural & veterans clubs
- Private or member-only venues
Highlights
- Liquor liability available
- A&B coverage option
Social Services Nonprofit Insurance
Broad solutions for caregivers (non-medical), counseling and referral agencies, food banks and soup kitchens, hospices, thrift stores, shelters/halfway houses, residential & day programs for the mentally disabled, and youth mentoring. Abuse & molestation and social service professional coverage can be written with separate limits—abuse limits available up to $1M.
Best For
- Non-medical caregivers & counseling
- Shelters, thrift, mentoring programs
Highlights
- Separate abuse & professional limits
- Abuse limits up to $1,000,000
Nonprofit Special Event Insurance
Standalone general liability and/or liquor liability for events up to 20,000 attendees per day. Add property owners as additional insureds at no cost. Preferred pricing available in many states for host liquor liability.
Best For
- Festivals, galas, fundraisers, auctions
- Conferences, 5Ks, community events
Highlights
- GL and/or Liquor options
- Fast certificates for venues
Sports Organizations Insurance
Coverage for organized adult and youth teams, leagues, camps, clinics, and multi-sport associations—baseball, basketball, flag football, golf, lacrosse, soccer, softball, tennis and more. Options include abuse & molestation, inland marine, and assault or battery. Athletic participant coverage may be available for youth sports.
Best For
- Leagues, camps, clinics, associations
- Indoor/outdoor multi-sport programs
Highlights
- Inland marine for gear available
- Assault or battery coverage options
COVERAGES to CONSIDER
Nonprofits face unique risks, and having the right mix of insurance policies is essential to protect both the mission and the people who support it. The most common type of nonprofit insurance is general liability insurance, which covers bodily injury, property damage, and personal injury claims that may occur during events, fundraisers, or everyday operations. This is the foundation of nonprofit coverage, ensuring that one accident does not jeopardize the entire organization.
General liability insurance for nonprofit organizations is the foundation of protection. This policy covers bodily injury, property damage, and personal injury claims that can occur during fundraising events, volunteer activities, or while operating out of an office or community space. For example, if a visitor slips and falls at your nonprofit’s event, general liability insurance would help cover legal defense costs, medical bills, or settlements. Non profit liability insurance is critical because lawsuits can quickly drain limited resources and threaten the organization’s mission. Even small nonprofits need liability insurance to safeguard against unexpected risks.
Give us a call today at (412) 325-1650, we are happy to help and we’re licensed in most states.
Directors and officers (D&O) insurance for nonprofits—also known as non profit directors insurance or officers insurance nonprofit coverage—protects board members and leadership against claims of mismanagement, negligence, or wrongful acts. Without not for profit directors and officers insurance, individual board members could be held personally liable for decisions they make on behalf of the organization. A nonprofit board of directors insurance policy can cover defense costs, settlements, or judgments, ensuring leaders are protected while serving. The cost of D&O insurance for nonprofits varies based on size, activities, and risk profile, but on average, directors and officers insurance for non profit organizations cost anywhere from a few hundred to a few thousand dollars annually. Non profit d and o insurance is often a prerequisite for fundraising, grants, and partnerships since donors and stakeholders expect proper governance protections.
Directors and officers insurance for nonprofits (often called nonprofit board insurance or not for profit directors and officers liability insurance) protects the personal assets of board members, trustees, and executives. It responds to claims of mismanagement, breach of fiduciary duty, or wrongful decisions made while serving the nonprofit. Without D&O liability insurance for nonprofits, board members could be personally sued and held responsible for their choices. D&O insurance for nonprofit board members ensures leadership can make important decisions without fear of personal financial loss. The cost of D&O insurance for nonprofits varies but is often affordable compared to the risk of uncovered lawsuits.
If your non-profit hosts events, it’s important to have the right insurance coverage in place to protect your organization in case of an accident or other unexpected event. Event insurance can provide coverage for everything from cancellations and weather-related losses to liability claims and more.
Nonprofits frequently hold fundraisers, galas, festivals, and community events, each carrying unique risks. Insurance for nonprofit events provides short-term liability protection in case of accidents, injuries, or property damage during the event. Many venues require proof of event liability insurance before allowing a nonprofit to rent the space. This coverage ensures that a successful event won’t be overshadowed by a costly lawsuit or unexpected accident.
If your non-profit has employees, it’s important to have workers’ compensation insurance in place. This type of insurance can help cover the costs associated with workplace accidents, such as medical expenses and lost wages.
Nonprofit workers compensation insurance provides coverage for employees who are injured or become ill due to their job. This policy pays for medical expenses, rehabilitation, and lost wages. In many states, workers comp for nonprofit organizations is legally required once the nonprofit hires even a single employee. While volunteers are usually not covered under workers comp, employees—whether part-time or full-time—are. Having nonprofit workers compensation insurance demonstrates responsibility and protects both the staff and the organization from costly workplace injury claims.
In today’s digital age, it’s essential for non-profits to have cyber liability insurance to protect against the risks associated with online activities. This type of insurance can help cover the costs associated with data breaches, cyber attacks, and other types of cybercrime.
Professional liability insurance for nonprofits, also known as errors and omissions (E&O) coverage, protects organizations that provide advice, training, counseling, or other services. If a client or beneficiary claims the nonprofit made a mistake, acted negligently, or failed to deliver promised services, this policy helps cover defense costs and settlements. For example, a nonprofit offering educational programs or counseling could be accused of providing improper guidance. Professional liability coverage ensures nonprofits can continue serving communities while managing the risk of service-related claims.
If your nonprofit owns, leases, or uses vehicles for transporting staff, volunteers, or program participants, auto insurance for nonprofit organizations is essential. A commercial auto policy provides liability coverage for accidents, as well as physical damage coverage for owned vehicles. Even if volunteers or employees use personal cars for nonprofit work, non owned and hired auto liability insurance may be needed. Without proper auto coverage, a single accident could lead to financial losses that jeopardize your mission.
Non profit business insurance often includes property coverage for buildings, office spaces, and contents such as furniture, technology, and supplies. Property insurance protects against fire, theft, vandalism, and other covered perils. For nonprofits that own community centers, offices, or storage spaces, property insurance is essential to replace or repair valuable assets so the organization can continue serving its mission without financial interruption.