Nonprofit Insurance

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Coverage for the organizations that hold Silverton together.

Churches, food banks, youth programs, historical societies and service clubs. Nonprofits carry exposures a small business does not: volunteers, boards, donated property and public events.

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The Basics

Volunteers and boards are the two things people forget.

A nonprofit needs the same property and liability coverage any organization does. What is different is who is exposed. Volunteers are not employees, so workers compensation may not respond when one is injured. Board members can be sued personally for decisions they made in good faith.

Directors and officers coverage is the piece most often missing, and it is frequently what a qualified board member asks about before agreeing to serve.

  • Directors and officers liability for your board
  • Volunteer injury and volunteer liability
  • Special event coverage for fundraisers
  • Abuse and molestation coverage where youth are served

Organizations We Write

  • • Churches and faith organizations
  • • Food banks and social services
  • • Youth and athletic programs
  • • Historical and arts societies
  • • Service clubs and foundations
What’s Included

Core protections for a nonprofit

General Liability

Injury or property damage arising from your operations and premises.

Directors & Officers

Defends board members personally against claims over their decisions.

Property

Buildings, contents, and donated goods held on your premises.

Special Events

Fundraisers, festivals and gatherings, including liquor liability where served.

Volunteer Coverage

Protection for volunteers and for the organization when they act on your behalf.

Employee Dishonesty

Theft of funds by staff or volunteers, which grant makers often require.

Common Questions

Nonprofit Insurance FAQs

Are volunteers covered by workers compensation?
Usually not, because they are not employees. Some organizations add volunteer accident coverage so an injured volunteer has medical protection. It is worth deciding deliberately rather than discovering the gap after someone is hurt.
Do we really need directors and officers coverage?
If you want qualified people to serve on your board, yes. Board members can be named personally in claims over employment decisions, financial oversight or governance. Many experienced volunteers will not join a board without it.
What about our annual fundraiser?
Events can often be added to your policy or covered by a special event policy. Venues typically require a certificate naming them, and serving alcohol triggers liquor liability. Tell us early rather than the week before.
We work with children. What else do we need?
Abuse and molestation coverage, which is excluded or sub-limited on many general liability policies. Any organization serving youth should confirm this specifically rather than assume it is included.

Let’s review your coverage and your board.

Silverton-based advisors who write local nonprofits.

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