Protecting Your Mission: Insurance Solutions for Non-Profits
- Tedford Team
- Nov 25
- 3 min read
Non-profit organizations play a vital role in our communities. Whether they’re providing social services, educational programs, healthcare, or advocacy, these organizations dedicate their resources to making a difference. But while their missions may be unique, non-profits face many of the same risks as for-profit businesses plus a few that are specific to their operations.
That’s why tailored insurance solutions are essential. By protecting your people, your property, and your mission, the right coverage can help ensure your organization continues its important work, no matter what challenges arise.
Unique Risks Non-Profits Face
Running a non-profit often means working with limited budgets, volunteers, and donated resources. Some of the risks to consider include:
Board and leadership liability – Directors and officers (D&O) can be personally sued for decisions made on behalf of the organization.
Volunteer and employee safety – Injuries can occur during events, in offices, or out in the field.
Property and equipment damage – Offices, vehicles, or specialized equipment can be costly to repair or replace.
Cybersecurity threats – Even small non-profits hold sensitive donor and client data that hackers may target.
Event liability – Fundraisers, galas, and community events increase exposure to accidents and claims.
Essential Insurance Coverages for Non-Profits
Every non-profit is different, but most benefit from a mix of the following policies:
1. General Liability Insurance – Protects against accidents, injuries, or property damage involving third parties.
2. Directors & Officers (D&O) Insurance – Shields board members and leadership from personal liability for decisions made in their roles.
3. Workers’ Compensation Insurance – Covers medical expenses and lost wages if an employee is injured on the job.
4. Volunteer Accident Insurance – Extends protection to volunteers, a key part of many non-profit organizations.
5. Property Insurance – Protects buildings, equipment, and supplies against fire, theft, or other covered events.
6. Cyber Liability Insurance – Helps manage the costs of a data breach, including notification, credit monitoring, and legal defense.
7. Event Insurance – Provides coverage for special events such as fundraisers or galas, where risks may be higher.
8. Professional Liability – also known as Errors & Omissions, protects non-profits from claims alleging negligence in the professional services that they may provide.
9. Employment Practices Liability – protects the organization from claims made by employees and/or third-parties alleging wrongful acts, discrimination, harassment, and wrongful termination.
Why Tailored Solutions Matter
Non-profits often operate on lean budgets, which means every dollar counts. Working with an experienced insurance broker ensures your organization gets the coverage it truly needs without paying for unnecessary extras. A tailored plan takes into account your size, mission, staffing structure, and risk exposure to create the right balance of protection and affordability.
Protecting Your Mission for the Future
Insurance may not be the first thing that comes to mind when you think of running a non-profit but it’s one of the most important tools for safeguarding your mission. With the right coverage in place, you can focus on making a difference in your community, knowing that you’re prepared for the unexpected.
Product descriptions provide a summary of coverage and are provided as a reference only. The actual policy determines coverage. The policy contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions, and requirements.
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