How Do You Insure Your Non-Profit?

Every non-profit is unique. Whether you work with vulnerable populations, rely on volunteers, put on fundraising events, transport the elderly, employ social workers, or other activities, your insurance needs are very specific to your operations.

Non-profit insurance is business insurance designed to accommodate the needs of a not-for-profit organization. Having business insurance for non-profit organizations can be crucial as it can protect against a variety of risks, from car accidents involving business vehicles to a client’s slip and fall in the office.

What Types of Insurance Policies Do Nonprofit Organizations Need?

There’s no master list of the types of insurance policies that non-profit organizations should purchase or what amounts of coverage they should buy. Instead, non-profits must rely on the expertise of local, licensed, experienced insurance agents to help them find the best insurance policies for their needs.

Following is a short list of some of the more common types of policies about which non-profit organizations should ask their insurance agents. They may need fewer policies and they may need different policies to cover different types of exposures and risks.

General Liability

All non-profit organizations should purchase general liability insurance. It covers against claims made by third parties for bodily injury and property damage that occurs in the course of the non-profit’s operations.

Property Insurance

Property insurance covers damage or loss to buildings, office equipment, inventory and any other property the non-profit owns. Fire and theft are common claims. Boards should be aware that not all insurance policies cover against floods and earthquakes.

Auto Insurance

Non-profits may buy auto insurance if their boards or employees use autos for non-profit business. You may purchase liability coverage to cover others and physical damage coverage for owned autos. Non-profits may also consider non-owned auto insurance coverage for volunteers who use their own vehicles for non-profit volunteering. Read more on non-owned auto policies here.

Workers’ Compensation

Workers’ compensation will provide coverage for payrolled employees who get injured on the job. This type of insurance is mandatory in California. This coverage will provide for medical expenses and wages if an employee gets injured while working for the nonprofit.

Directors and Officers Liability

This is another type of insurance that non-profits should not be without. It provides coverage for management decisions that board directors and officers make. D&O insurance protects the organization and individual board members. D&O insurance policies sometimes include insurance coverage for employment practices liability, which extends to volunteers as well as employees. This coverage protects against claims for harassment, discrimination and wrongful termination. Always consult with your local independent insurance agent to be certain of your exact coverage.

Professional Liability

Depending on it’s operational classification, a non-profit may have a professional liability exposure. Professional liability insurance is also referred to as errors and omissions insurance. Always consult with your local independent insurance agent to be certain of your exact coverage.


Questions? Want to learn more? Here’s 4 easy ways to reach us:

Phone: 877-994-6787
Text: 951-482-8144

PS Here’s a few words from one Non-Profit Organization that trusts Stromsoe Insurance Agency:

“We are so pleased with your organization; it makes our job so much easier to have people like all of you to work with. I recently shared this with another local business owner, we praise you guys to the hilt”
Dorcas Shaktmas – Assistance League of Temecula Valley – Temecula, CA – Client Since 2012

PPS Every policy is backed by our iron clad, 100% complete satisfaction guarantee. Ask for your copy today!

Ways to Give Back This Thanksgiving

Thanksgiving is a time of giving back and showing those around you how much you appreciate everything they do on a daily basis. In giving back this Thanksgiving, there are a variety of ways in which you can spread the holiday cheer to those less fortunate. Whether you choose to volunteer at a local charity or simply show your gratitude to another, giving back makes the world a better place. Gathered are a variety of ways in which you can give back this Thanksgiving:

  • Nearly every county has a nonprofit organization that accepts donations during the holidays to help the hungry during Thanksgiving. While the anticipation for the delicious feast continues to build, think about how others will not have the opportunity to enjoy a warm turkey and stuffing on this day.
  • Supporting a local food drive on Thanksgiving is a great way to give back during the holidays. Whether you choose to donate food, money, or even volunteer at the food drive, this will mean the world to those who get to enjoy a warm meal on Thanksgiving.
  • Imagine the sorrow of not being able to spend the holidays with your family. Our troops overseas will not be seeing their family this holiday season, nor will they be enjoying Thanksgiving Dinner. Therefore, sending a care package or phone card to our soldiers is a great way to spread the holiday cheer and make a difference.
  • Rather than shoving your freezer with a bunch of Thanksgiving leftovers that will likely end up being tossed, why not bring your leftovers to a homeless family or shelter instead.

To find out how you can help your community this Thanksgiving, simply Google search “charity volunteer for Thanksgiving in [your city]!”Contact Stromsoe Insurance Agency in Murrieta for all of your California insurance needs.