Your Mission Is Too Important to Leave Unprotected.
Protecting missions, leadership, and community operations
Nonprofit organizations face unique risks involving volunteers, fundraising activities, public interaction, and board governance. Whether operating a charity, foundation, religious organization, or educational program, nonprofits must manage liability exposure while staying compliant with regulations and donor expectations. Claims can arise from events, staff actions, financial decisions, or injuries involving participants and the public.
Properly structured insurance helps protect the organization, its leadership, and the long-term success of its mission.
Key Risks in Nonprofit Operations
Nonprofits face exposure related to:
Injuries to participants or visitors
Volunteer or staff actions
Board and leadership decisions
Abuse or misconduct allegations
Property damage or theft
Employment-related claims
Event and fundraising liability
Even well-run nonprofits can face unexpected claims.
Core Coverages for Nonprofit Organizations
Nonprofit insurance programs typically include:
General Liability — Protects against bodily injury and property damage claims involving visitors, donors, or participants.
Directors & Officers (D&O) — Protects board members and officers from claims involving management decisions or financial oversight.
Professional Liability (when applicable) — Covers claims related to services provided by the organization.
Sexual Abuse & Molestation Liability — Protects against allegations involving staff, volunteers, or participants.
Commercial Property — Covers buildings, equipment, and contents against covered physical loss.
Workers’ Compensation — Provides coverage for employee injuries as required by law.
Event Liability — Covers fundraising events, community activities, and special programs.
Umbrella / Excess Liability — Provides additional limits for severe or multiple claims.
What’s Commonly Overlooked
Nonprofit insurance programs are often weakened by:
Missing D&O coverage
No abuse or molestation protection
Inadequate liability limits
Failure to cover volunteers
No coverage for fundraising events
Gaps between professional and general liability
These issues often appear only after a claim occurs.
Real-World Claim Examples
A participant is injured during an event
A board member is sued over a financial decision
A volunteer causes injury to a third party
An allegation is made against staff
Property is damaged during an activity
Even one claim can impact funding and operations.
Why Proper Placement Matters
Nonprofit coverage varies significantly based on:
Type of organization
Number of volunteers
Activities performed
Funding sources
State regulations
Board structure
Improper placement can lead to uncovered claims or loss of funding eligibility.
Our Approach
At Cory Washington & Co., we structure nonprofit insurance programs based on how your organization actually operates — including events, volunteers, governance, and services provided. We coordinate liability, D&O, abuse coverage, and property protection to ensure your coverage supports the mission you work to protect.
Strong missions require strong protection.
Not sure your coverage is complete? Run the Nonprofit Coverage Self-Review Checklist — tick what you can confirm, and walk into your next policy review informed.
Frequently Asked Questions
How do I get nonprofit organization insurance through Cory Washington & Co.?
Request a quote or contact our team. We start with a short conversation about your operations, analyze your exposures, then negotiate nonprofit organization insurance across multiple carriers that compete for your account and present options with the trade-offs explained. Cory Washington & Co. LLC is licensed in all 50 states.
How are nonprofit organization insurance premiums priced?
It depends on your exposure. Nonprofit organization insurance is priced on factors like your industry, size, prior claims, and the limits and deductibles you select — so two businesses rarely pay the same. We shop your account across competing carriers and present the trade-offs in plain English.
Is nonprofit organization insurance mandatory?
It depends on your situation. Some coverage is required by law; more often, nonprofit organization insurance is required by a contract, lease, lender, or client before they will do business with you — and even when it is not mandated, it guards against exposures that can be severe. We review your operations and obligations and tell you plainly what you need and why.
What if another agency has already declined or non-renewed my coverage?
Difficult, specialty, and previously-declined placements are a core part of our work. We access excess & surplus (E&S) and specialty markets that many generalist agencies cannot, and we explain the trade-offs clearly so you can decide with confidence.
Available in all 50 states. See how requirements differ in California, Texas, Florida, New York, or choose your state.