Programs and participants
The activities and people involved should guide the liability discussion. Work with vulnerable groups may need a specialized review.
BUSINESS INSURANCE / NONPROFIT ORGANIZATIONS
Protect the organization behind the mission.
Your people and resources are focused on making a difference. We help nonprofit organizations look at insurance around their activities, leadership, property, and responsibilities to others.
THE WORK BEHIND THE BUSINESS
Insurance for nonprofit organizations.
Grounded in your day to day.
A community group, charity shop, and direct-service organization can have very different exposures. Tell us about participants, volunteers, fundraising, transportation, and the services you provide.
Leadership decisions
Directors and officers liability is a separate consideration from ordinary general liability. Discuss board responsibilities and employment practices.
Volunteers and events
Volunteer injuries, special events, and use of personal vehicles are not automatically addressed by one policy.
A PLAN WITH THE RIGHT PIECES
Coverage that deserves a closer look.
Start with the risks behind your work. We’ll help you explore available options, understand the differences in terms and choose the pieces that make sense for your business.
General Liability Insurance
Review third-party injury, property damage, and the activities described in your policy.
Explore this coverageCommercial Property Insurance
Look at buildings, equipment, stock, valuation, and covered interruption needs.
Explore this coverageCyber Insurance
Consider incident response, information you hold, and the systems your business depends on.
Explore this coverageCommercial Auto Insurance
Look at vehicles, drivers, and business use, including hired and non-owned auto questions.
Explore this coverageThese are starting points for a review, not a complete list or a promise of coverage. Policy terms, exclusions and insurer eligibility apply.
AS YOUR BUSINESS CHANGES
Start with the mission in practice
Fundraising, community programs and volunteer work can look very different from the activities of an ordinary office. Participant ages, events and board responsibilities help define the picture.
Tell us how your organization delivers its programs. We’ll help you review the questions around people, premises, governance and events while keeping the discussion grounded in your day-to-day work.
Talk through your next stepA QUOTE THAT STARTS WITH YOU
What goes into your insurance quote?
Two businesses in the same industry can need very different plans. Alongside your location, claims history, limits and deductibles, these details help shape the conversation.
- Programs and participant ages
- Employees, volunteers and board structure
- Events, budget and premises
A LITTLE MORE CLARITY
Your questions.
A useful starting point.
Need to talk through something specific?
Ask Ironhill ↗Are volunteers covered by workers’ compensation?
Eligibility and coverage depend on the jurisdiction and arrangements. Do not assume volunteers are treated the same as employees; ask about available protection.
Does general liability protect board members against management claims?
Not as a substitute for a directors and officers review. Explain the organization’s governance and responsibilities so suitable options can be considered.
What affects the cost of insurance for nonprofit organizations?
Pricing depends on the work you do, where you operate, your claims history and the coverage you select. Details such as programs and participant ages, employees, volunteers and board structure, events, budget and premises help an insurer assess your business. We’ll help you compare the available terms as well as the premium.
Can I request a quote before I have every document?
Yes. Start with your business activities and the information you have. We can help identify what else is needed to explore options. Submitting a request does not put insurance in force.
A CLEAR NEXT STEP
Start with a conversation.
Leave with a clearer picture.
- 01
Tell us about the business.
Share what you do, where you work, and what prompted you to look at insurance.
- 02
Work through the details.
We’ll help identify coverage questions, documents to gather, and options to explore.
- 03
Decide with the details in view.
Review the available terms, limits, and costs before choosing your next step.
YOUR NEXT STEP
Let’s put your business in the picture.
Starting out, approaching renewal, or taking on something new? Tell us where you are. We’ll help you work through what comes next.
Coverage options depend on your operations, location, and insurer eligibility. A request does not bind coverage.