Directors and officers
Claims against the board about governance and decisions.
Business Insurance
Non-profit insurance for organisations run by volunteers.
Non-profits are run by boards who serve without pay and can still be sued personally. D&O cover is the reason that rarely becomes a disaster.
Charities, associations and community organisations face the same liability exposures as businesses, with an added complication: much of the work is done by volunteers, and the governance is provided by unpaid board members whose personal assets can be reached if the organisation has no cover.
Directors and officers, and volunteers
D&O responds to claims about board decisions — employment matters, financial oversight, membership disputes. For a non-profit it is often the most important policy, because the people exposed are volunteers who joined to help.
Volunteer liability and accident cover handle the people doing the work. Workers compensation generally does not extend to volunteers in Texas, so an injured volunteer has no obvious route unless accident cover is in place.
What it covers
The parts of a non-profit insurance policy
Volunteer cover
Liability and accident cover for unpaid workers.
General liability
Premises and operations claims from the public and beneficiaries.
Fundraising events
Off-site events, which venues will require a certificate for.
Working with us
What we do differently
We are an independent agency, so we place your non-profit insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Carry D&O — unpaid board members are not shielded by their volunteer status
- Add volunteer accident cover; workers comp will not respond
- Arrange event cover before venues ask, not after
Common questions
Non-Profit Insurance, answered
Do volunteer board members really need D&O?
Yes. Serving without pay does not prevent a claim about a board decision, and without cover the defence can reach board members personally. It is the policy most non-profits should buy first.
Are our volunteers covered if they are injured?
Not by workers compensation, which generally excludes volunteers in Texas. Volunteer accident cover is the answer and is inexpensive.
What about our annual fundraiser?
Off-site events usually need liability cover with the venue named as additional insured. Some annual policies include events; others need a specific arrangement.
Related cover
Often arranged alongside this
Church Insurance
Churches run buildings, youth programmes, volunteers, vehicles and events. The insurance has to cover a small institution, not just a property.
Read moreSpecial Events Insurance
Most venues will not hand over the keys without a certificate. Event liability is usually bought because somebody asked for it.
Read moreEPLI Insurance
At-will employment does not stop an employee filing. It stops them winning some cases — after you have already paid to defend them.
Read moreReady for a non-profit insurance quote?
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Let us protect what matters most.