Mission-Driven, Risk-Aware

Nonprofit organizations exist to serve their communities, not to generate profits. But that mission focus doesn’t eliminate risk—in many ways, it creates unique exposures that for-profit businesses don’t face.

Volunteers, board members, fundraising events, and program activities all create liability exposure. Donors and grantors increasingly require proof of insurance. Protecting your organization protects its ability to fulfill its mission.

General Liability: Foundation Coverage

Like any organization, nonprofits face premises liability, personal injury claims, and property damage exposure. General liability insurance covers these standard risks. Event-based organizations may need higher limits or special event coverage for large gatherings.

Directors and Officers Liability

Nonprofit board members can be personally liable for decisions that harm the organization or others. D&O coverage protects board members and officers against claims of mismanagement, breach of fiduciary duty, and failure to comply with regulations.

Recruiting quality board members is easier when you can assure them their personal assets are protected. Many experienced board candidates won’t serve without D&O coverage in place.

Employment Practices Liability

Nonprofits with staff face the same employment-related risks as any employer: discrimination claims, harassment allegations, wrongful termination. EPLI coverage protects against these claims from employees, former employees, and job applicants.

Volunteer Liability

Volunteers are essential to most nonprofits, but they create unique liability questions. If a volunteer injures someone or causes damage while serving your organization, who is responsible? Volunteer liability coverage addresses these exposures.

Texas law provides some protection for volunteers, but coverage remains important for comprehensive protection.

Professional Liability

Nonprofits that provide counseling, advice, or professional services need professional liability coverage. Social service organizations, educational nonprofits, and advisory groups face exposure when their services allegedly cause harm.

Property and Business Income

Your facilities, equipment, and records need protection. If a disaster prevents normal operations, business income coverage helps maintain payroll and essential functions during recovery. For nonprofits, program continuity matters as much as financial continuity.

Special Event Coverage

Fundraising galas, community events, and program activities may need additional coverage. Liquor liability for events serving alcohol, participant coverage for athletic events, and venue requirements all deserve attention.