Nonprofit Insurance

Even a careful nonprofit can be sued over a fundraiser injury, a former employee's claim or a board decision about money. Nonprofit insurance protects the organization, its board and its programs from those claims, and at AGEMA Insurance Solutions in Overland Park, KS, we place it for social and human services organizations, arts and cultural institutions, foundations and charitable trusts, community and civic groups, religious institutions, and trade and professional associations. Schools and colleges have their own education insurance page, organizations that own their buildings can add commercial property insurance, and you can reach every other line through the AGEMA home page.

Nonprofit Liability Insurance for Events and Programs

Many nonprofits first ask about insurance when a venue, funder or lease asks for a certificate. Nonprofit liability insurance starts with general liability, which covers third-party bodily injury or property damage on your premises or from your operations and events. Venues commonly require general liability at stated limits, a certificate of insurance and additional insured status before a fundraiser. Special event coverage can extend liability to galas, community fairs and 5K runs, and if alcohol is served at a gala, we check how the policy treats it before the event rather than after a claim.

Directors and Officers Insurance for Nonprofits

Directors and officers (D&O) liability protects board members and officers from personal liability for alleged wrongful acts in managing the organization. State laws permit but do not require nonprofits to buy D&O, yet prospective board members often hesitate to serve without it. D&O excludes bodily injury, property damage and personal and advertising injury claims, which belong on the general liability policy, so a nonprofit with only D&O is not covered for a visitor who slips in the lobby. Employment practices liability (EPLI) adds protection against claims from employees and volunteers for wrongful termination, discrimination and harassment.

Insurance for Nonprofits That Hold Donor Data

Donor lists, client records and payment details make a nonprofit a target for the same breaches a business faces. Cyber liability protects the organization from the costs of a data breach involving sensitive donor or client information. Because a 501(c)(3) answers to its donors and its board, we build the program from the activities you actually run, from events and volunteers to the records you keep, and each policy stays subject to the carrier's terms and underwriting.