Nonprofit Organization Insurance Coverage Checklist
The coverages a nonprofit organization business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for nonprofits. Priorities reflect typical exposure; confirm against programs, events, and funding.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Directors & Officers | Covers board and officer decisions — the core nonprofit management coverage. | Core | |
| Employment Practices Liability | Covers termination, discrimination, and harassment claims — the most common nonprofit D&O claims. | Core | |
| Commercial General Liability | Covers injuries at programs and events. | Core | |
| Crime (incl. Funds Transfer Fraud) | Covers embezzlement and wire fraud against donor funds. | Prevalent | |
| Abuse & Molestation | Needed for programs serving minors or vulnerable adults. | Situational | |
| Liquor Liability | Needed for events serving alcohol. | Situational |
The coverage gap most often missed
The most commonly missed gap for this class is employment practices coverage. Terminations, discrimination, and harassment are the most common source of nonprofit D&O claims, and funding cuts that force layoffs raise the risk — yet some nonprofit D&O policies exclude employment claims unless EPL is added. Organizations should confirm EPL is included and have terminations reviewed before they happen.
Send us the checklist and we'll review your nonprofit organization coverage line by line, then market it across multiple carriers that compete for your account.
Related: Nonprofit Organization Insurance · Nonprofit Organization Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a nonprofit organization business need?
The core coverages for a nonprofit organization business are Directors & Officers, Employment Practices Liability, Commercial General Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my nonprofit organization coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.