Non-Profit Insurance

Insurance for non-profits should match the mission: board decisions, volunteers, events, employees, property, vehicles, client services, cyber exposure, and grant or contract requirements.

Check Non-Profit Pricing 1-800-252-6885

Non-profit insurance coverage to review before the next event, grant, or renewal

Non-profit accounts need the board, volunteers, employees, events, property, vehicles, cyber exposure, and funding requirements reviewed together.

General Liability

Covers bodily injury and property damage claims arising from your organization's activities and facilities.

Directors & Officers Liability

Protects board members and officers from lawsuits arising from decisions, actions, or alleged mismanagement.

Commercial Property

Covers your office, warehouse, or event space against fire, theft, storm damage, and other perils.

Workers Compensation

Covers employee injuries, including staff, case workers, and administrative personnel.

Commercial Auto

Covers vehicles used for program delivery, transporting clients, or running errands.

Cyber Liability

Protects against data breaches, ransomware attacks, and donor information theft.

Non-profit risks that can change the insurance answer

The right coverage depends on what the organization does, who it serves, where events happen, whether volunteers drive or handle money, and what grants or contracts require.

Slip and fall injuries at your office or event locations

Injuries to volunteers during program activities

Injuries to clients or beneficiaries of your programs

Molestation and abuse claims (requires specialized coverage)

Data breaches exposing donor or client information

Employment practice lawsuits from staff or volunteers

Event cancellation losing fundraising revenue

Grant mismanagement allegations against board members

How our office helps non-profits quote cleaner

D&O Expertise

D&O coverage should be reviewed around board decisions, bylaws, employment issues, grant requirements, and the way the organization is governed.

Volunteer Coverage

Volunteer exposure changes when people drive, handle money, supervise events, work with vulnerable populations, or perform physical program work.

Grant Compliance

Meet insurance requirements for government and foundation grants with properly structured policies.

Board-liability support path

When the real pressure is D&O, EPLI, fiduciary, or crime wording, use the management-liability lane.

This nonprofit page is the broader account view. If the board wants the deeper coverage split for leadership decisions, employment practices, benefit-plan duties, cyber overlap, or claims-made continuity, go to the management-liability coverage guide or start the management-liability quote route directly.

Review Management Liability Coverage Start a Management Liability Quote

Non-Profit Insurance Throughout Florida

Florida non-profits serve diverse missions. We provide specialized coverage for every type of organization.

Jacksonville & Northeast FL

Community foundations, arts organizations, food banks, youth programs. Jacksonville non-profits need D&O liability, volunteer coverage, event insurance. We specialize in mission-driven coverage.

Jacksonville Insurance

Orlando & Central FL

Museums, performing arts, homeless services, environmental groups. Orlando non-profit insurance covers board liability, fundraising events, property, and volunteer accidents.

Orlando Insurance

Tampa & Gulf Coast

Community theaters, Gulf Coast conservation groups, youth sports leagues. Tampa non-profits operate on tight budgets. We find coverage that protects without breaking the bank.

Tampa Insurance

Miami & South FL

Cultural institutions, immigrant services, environmental advocacy, arts foundations. South Florida non-profits are diverse. So are their risks. We tailor policies to match.

Miami Insurance

Gainesville & North Central FL

UF-adjacent research foundations, arts councils, homeless services, environmental groups. Gainesville non-profits punch above their weight. We make sure coverage does too.

Gainesville Insurance

Tallahassee & Panhandle

Advocacy groups, policy think tanks, community services, arts organizations. Capital city non-profits navigate politics and public service. We navigate the insurance side.

Tallahassee Insurance

Based in Lake City, serving non-profits statewide.

Frequently Asked Questions

At minimum, you need general liability and directors & officers liability. Most non-profits also need commercial property (if they own their facility), workers compensation (if they have employees), and commercial auto if they have vehicles. Cyber liability is increasingly important.

General liability typically covers volunteers as third parties, but workers compensation coverage for volunteers varies by state and policy. Some non-profits purchase specific volunteer accident coverage. We can help you understand your options.

Non-profit insurance cost depends on annual budget, operations, employees, volunteers, events, vehicles, property, client-facing services, prior claims, and contract or grant requirements. A cleaner quote starts with the real program details.

Your general liability should cover most fundraising events, but large events may require additional coverage or special event insurance. If you're hosting events at third-party venues, the venue may also require you to be named as an additional insured.