You’ve built something that matters. Let’s make sure it’s protected like it does.
Insurance that’s unique to your non-profit.
You’ve worked hard to build something that matters.
You know your nonprofit better than anyone. You know the people you serve, the programs you’ve built, the volunteers you depend on, and the responsibility you carry to keep it all moving forward.
That’s why you need more than a standard insurance policy. You need an agency that takes the time to understand what you do, where your risks may be, and what could interrupt the work you’ve worked so hard to build.
At Covenant Insurance Group, we help you protect the people, programs, property, and purpose behind your mission — and we stay involved as things change.
You focus on making a difference. We’ll help you protect what makes that possible.
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Directors and Officers Insurance
Risk Factor
What happens if a board member invests the non-profit's assets unwisely and loses everything? A creditor might sue the non-profit as well as its directors and officers. Non-profit organizations are not immune to lawsuits. It’s possible someone may disagree with the way you run the organization and file suit. Oftentimes, non-profits don't have deep pockets to fight these types of lawsuits, therefore putting the organization at risk.
Solution
Directors and officers liability insurance protects your directors, officers, trustees, employees, volunteers, and the entity from any act or alleged act, error, omission, misstatement, misleading statement, or breach of duty.
General Liability Insurance
Risk Factor
Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen that make your non-profit susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.
Solution
General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.
Workers' Compensation
Risk Factor
If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.
Solution
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Commercial Property Insurance
Risk Factor
When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your organization.
Solution
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Employment Practices Liability Insurance (EPLI)
Risk Factor
On average, it's estimated that three out of five businesses will be sued by their employees. Claims can stem from just about anything, such as someone taking a joke the wrong way and being offended. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.
Solution
The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.
Business Income Insurance
Risk Factor
What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.
Solution
Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as a data breach or cyber attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.
Professional Liability
Risk Factor
Lawsuits can happen to anyone, and the damages can be hefty whether you win or lose. Even if you’ve done nothing wrong, you’ll need to defend yourself. So regardless of whether a contract requires it, without professional liability coverage, you could be putting your business’ future at risk.
Solution
Similar to directors and officers liability insurance, professional liability coverage protects against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment. It covers not only directors and officers, but also staff, volunteers, and the non-profit organization itself.
Is your coverage keeping up with your mission?
You may already have insurance in place. But has anyone really taken the time to look at how your nonprofit serves people — and where that could create risk?
If you work with children, seniors, volunteers, donors, clients, or members of the public, your exposure can go far beyond your building and basic liability. The advice you give, the services you provide, the events you host, the people you transport, and even the decisions made by your board can all create risks that may deserve a closer look.
At Covenant Insurance Group, we ask the questions that help uncover those less-obvious exposures. Because protecting your nonprofit isn’t just about having a policy. It’s about making sure someone has thought through what could actually happen to you.
What organizations need non-profit insurance?
Tax-exempt organizations such as religious groups, unions, recreational clubs, charities, and more will require non-profit insurance.
Why do you need non-profit insurance?
Having non-profit insurance for your organization may help protect you regarding professional mistakes, lawsuits, bankruptcy, and damage to your reputation.
How much does nonprofit insurance cost?
We know every dollar matters when you’re operating a nonprofit. Your cost will depend on your organization, programs, people, property, and exposures — but price shouldn’t be the only consideration.
The goal is to find the right balance: protecting your budget today without leaving your mission exposed to a much larger cost tomorrow.
Do nonprofits need insurance for board members and employees?
If your nonprofit has a board or employs staff, there are risks that may not be covered by your general liability policy. Board members can face claims related to decisions they make on behalf of the organization, while employers may face allegations involving harassment, discrimination, wrongful termination, or other employment practices.
Coverage such as directors and officers liability, employment practices liability, and workers’ compensation may help address these exposures. The right protection depends on how your organization is structured, who works for you, and the responsibilities your leaders carry.
At Covenant Insurance Group, we help you look beyond the obvious coverages so the people helping lead your mission aren’t overlooked.Contact us to go over the specifics of your non-profit and the coverage options available to you.
Find Your Coverage
We’re here to help you explore your coverage options.
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