NON-PROFIT & EDUCATIONAL ORGANIZATIONS

Non-Profit & Educational Organization Insurance

Protecting missions, leadership, and community impact

Non-profits and educational organizations exist to serve communities, advance missions, and steward donated or public resources. These responsibilities create meaningful exposure for leadership, staff, volunteers, and the organization itself.

A properly structured insurance program helps protect mission continuity, financial stability, and organizational credibility.

Key Risks in Non-Profit & Educational Operations

Non-profits and educational organizations face exposure related to:

• Premises liability involving students, participants, or visitors

• Board governance and fiduciary responsibility

• Employment practices and volunteer management

• Misuse or mismanagement allegations of funds

• Data privacy and donor or student information

• Program-related injuries or off-site activities

Claims can arise even when organizations act in good faith.

Core Coverages for Non-Profits & Educational Organizations

Non-profit and educational insurance programs typically include:

General Liability
Protects against bodily injury and property damage claims arising from programs, events, or facilities.

Directors & Officers (D&O) Liability
Protects board members and officers from claims tied to governance, financial oversight, and decision-making.

Employment Practices Liability (EPLI)
Covers claims related to hiring, termination, discrimination, harassment, and retaliation.

Cyber Insurance
Addresses data breaches and privacy incidents involving donor, student, or employee information.

Professional Liability (when applicable)
Covers claims related to educational services, counseling, or program delivery.

What’s Commonly Overlooked

Non-profit and educational insurance programs are often weakened by:

• Inadequate D&O limits for board exposure

• Failure to include volunteers as insureds

• Gaps between program activities and policy coverage

• Missing cyber coverage for donor or student data

• Assumptions that “non-profit status” reduces liability

These gaps often surface during audits, disputes, or litigation.

Real-World Claim Examples

• A participant is injured during a sponsored program

• A board decision leads to allegations of mismanagement

• A data breach exposes donor or student records

• An employment-related lawsuit impacts operations

Reputational impact can be just as damaging as financial loss.

Why Proper Placement Matters

Non-profit and educational coverage varies significantly based on:

• Program scope and activities

• Governance structure and board involvement

• Funding sources and reporting requirements

• State and regulatory obligations

Improper placement can expose leadership to personal liability.

Our Approach

At Cory Washington & Co., we structure insurance programs that protect both mission and leadership. We work to align coverage with organizational activities, governance responsibilities, and public trust — so leaders can focus on impact, not uncertainty.

Strong missions require strong protection.