Do volunteers need to be covered?

Volunteer activity can create liability for the organization, and some coverages extend to volunteers while others do not. How volunteers are treated is worth reviewing against your actual programs.

Why does a nonprofit need directors and officers coverage?

Board members can be named personally in claims about governance, finances, and employment decisions. Directors and officers coverage is designed to protect them and the organization, which is worth confirming for your board.

We work with youth. What should we consider?

Operations involving minors or vulnerable populations raise abuse and molestation considerations that need careful, specific review. This is sensitive and should be discussed directly rather than assumed.

Nonprofit Insurance - Vantage Point Risk

Nonprofit insurance, for the board, the volunteers, and the mission.

Nonprofits carry exposures many leaders do not expect: directors and officers liability for board decisions, volunteer and event risk, employment claims, and property for facilities and equipment. The right program depends heavily on what the organization actually does.

Ready for terms? Get a quote. Want to find the gaps first? Compare your coverage.

Nonprofit programs usually combine directors and officers liability with general liability, plus property, and often employment practices and event coverage. Because exposures vary so much by mission and operations, comparing coverage first is usually the right starting point.

Where nonprofit risk shows up

Directors and officers liability is central, covering claims against the board and the organization for governance, financial, and employment-related decisions. General liability covers premises and event injury, and employment practices liability addresses claims by staff and volunteers.

Operations drive the rest. Organizations that run events, work with vulnerable populations, use volunteers, or own facilities each face additional, sometimes sensitive, exposures that deserve careful review.

Coverage that commonly applies

Directors and officers and management liability protect the board and organization. General liability and property cover premises, events, and assets. Employment practices liability covers staff and volunteer claims. Where operations involve youth or vulnerable populations, abuse and molestation coverage is a serious consideration.

Workers compensation applies to employees, and cyber coverage is worth considering for donor and member data.

When it is worth a review

Review your coverage when you add programs, host events, recruit volunteers, work with vulnerable populations, hire staff, or take on a grant or facility lease with insurance requirements.

Nonprofit insurance, for the board, the volunteers, and the mission.

Where nonprofit risk shows up

Coverage that commonly applies

When it is worth a review

Common questions.

Not sure your coverage fits how you operate?

Keep going.

Management Liability

General Liability

Employment Practices

Commercial Property

Nonprofit insurance, for the board, the volunteers, and the mission.