Protect the mission. And the board.
Coverage for charities, foundations, religious organizations, youth programs and community groups, built around your programs, volunteers and board.
Quick answer The most common insurance for a nonprofit is general liability and directors and officers (D&O) coverage, and programs serving children or vulnerable adults usually also need abuse and molestation coverage.
- Nonprofit status doesn't protect an organization from lawsuits, and grants, landlords and venues often require liability and D&O coverage.
- Nonprofit directors and officers coverage pays defense and settlements when board members or officers are sued over decisions they made for the organization.
- Nonprofit programs that serve children or vulnerable adults usually need abuse and molestation coverage, and grants, leases and venues often set minimum limits.
- Nonprofits commonly cover volunteers with volunteer accident coverage and by naming volunteers as insureds on liability policies.
- Nonprofit insurance underwriters rate on programs, the people served, budget, locations, events and claims history.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Nonprofits face business risks
A nonprofit can be sued like any business: a visitor hurt at an event, a claim against the board over a decision, or an allegation involving someone in your care. Directors and officers coverage protects board members personally, which helps you recruit and keep them.
Programs that serve children or vulnerable adults usually need abuse and molestation coverage, and grants, leases and event venues often set minimum limits. I place nonprofit packages with carriers that specialize in them.
- General liabilityInjuries and property damage at your programs and events.
- Directors and officersClaims against the board and officers over their decisions.
- Abuse and molestationOften required for youth and care programs.
- Property and volunteersYour building or contents, and accident coverage for volunteers.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Programs: what you do and who you serve.
- People: paid staff, volunteers and board size.
- Budget: annual operating budget.
- Locations: owned or leased space, and events.
- Requirements: grant, lease or venue insurance terms.
- History: current policies and claims.
Nonprofit insurance, answered
Do nonprofits need insurance?
Nonprofit status doesn't protect an organization from lawsuits. Liability and D&O coverage are the most common, and grants, landlords and venues often require them.
What is D&O insurance for a nonprofit?
Directors and officers coverage pays defense and settlements when board members or officers are sued over decisions they made for the organization.
Do volunteers need to be covered?
Volunteers can be injured or cause injuries. Volunteer accident coverage and naming volunteers as insureds on liability are common options.
What do underwriters rate on?
Your programs, the people you serve, your budget, locations, events and claims history.
Do you offer nonprofit insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your programs. I'll shop it.
What you do, your budget and your current policies are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.