What Is Nonprofit Insurance?

Nonprofit insurance helps protect organizations from common liability and operational risks, including claims involving bodily injury, property damage, employment practices, and volunteer-related exposures. Whether you’re running a small community outreach program or a multi-site nonprofit with paid staff and volunteers, your organization faces unique risks that require insurance designed specifically for nonprofit operations.

Since 2014, we’ve worked closely with thousands of nonprofit organizations across the U.S. to help protect what matters most: their mission, with nonprofit insurance built around their needs. At The Insurance Connection, nonprofit insurance isn’t just a line of business—it’s a calling. Backed by more than 45 years of combined insurance experience, strong ties to Georgia’s nonprofit community, and licensed in multiple states, we bring national knowledge and personalized nonprofit insurance service to every policy. As proud members of Cobb Collaborative and sponsors of its “Coffee with the Collaborative” events, we stay connected to the needs and challenges nonprofits face today.

Why Nonprofit Insurance Matters

Nonprofits operate differently than traditional businesses, but you’re still exposed to many of the same liabilities: property damage, lawsuits, cyberattacks, employment issues, and more. The right insurance coverage helps safeguard your programs, your people, and your reputation.

Not to mention, some state contracts, including agreements with GVRA, include specific insurance requirements that providers must meet.

And in today’s hard market—where premiums are rising and coverage is shrinking—being proactive is key. That’s where we come in.

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Key Nonprofit Insurance Policies and What They Cover

Below are the most common types of nonprofit insurance coverage organizations carry, depending on size, operations, and risk profile.

General Liability Insurance

Covers third-party bodily injury, property damage, and personal injury claims. Whether it’s a slip-and-fall at an event or a defamation claim from a public campaign, this coverage is essential.

Property Insurance

Protects buildings, office contents, and equipment against fire, theft, vandalism, and more. Many nonprofits underestimate what it would cost to rebuild after a loss—don’t be one of them.

Directors and Officers (D&O) Insurance

Protects board members and leadership against lawsuits related to decisions made on behalf of the organization. A must-have for board recruitment and risk management.

Employment Practices Liability Insurance (EPLI)

Covers claims of discrimination, harassment, wrongful termination, and retaliation. Crucial coverage for any nonprofit with paid staff.

Volunteer and Accident Coverage

Volunteers are often the backbone of nonprofit work. Volunteer accident insurance or volunteer liability policies ensure they’re protected, too.

Cyber Liability Insurance

Even small nonprofits handle sensitive donor, client, and financial information. Cyber insurance helps cover the fallout from data breaches and cyberattacks. This type of nonprofit insurance is especially important in today’s digital world.

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Today’s Market: A Hard Market Requires Smart Strategy

Nonprofits are facing one of the toughest insurance markets in decades—rising premiums, higher deductibles, and reduced carrier options are the norm. Even organizations with spotless claims histories are seeing rate hikes. We help nonprofits navigate today’s challenging nonprofit insurance market with proactive strategies.

We help nonprofits:

• Start renewals 60-90 days early
• Document safety practices and risk management policies
• Review deductibles and coverage limits
• Identify gaps in protection
• Work with carriers who understand the nonprofit sector

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Why Choose The Insurance Connection for Your Nonprofit Insurance?

✅ 10+ Years of Nonprofit Experience
✅ Thousands of Nonprofits Served Since 2014
✅ 45+ Years of Combined Insurance Expertise
✅ Proud Member of Cobb Collaborative
✅ Sponsor of “Coffee with the Collaborative” Nonprofit Networking Events
✅ Relationships With Carriers Who Specialize in Nonprofit Risks

We’re not here to sell you a generic policy. We’re here to listen, guide, and help you build coverage that protects your mission but is mindful of your budget.

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Get the Protection Your Organization Deserves

Let’s make sure your nonprofit insurance is working as hard as you do. Whether you’re evaluating your current coverage or starting fresh, we’re ready to help.

📞 Call us today to talk through your needs
📩 Or request a quote and get started