Your nonprofit needs insurance.
You can buy it from a nonprofit.
Nonprofits Insurance Alliance (NIA) is a 501(c)(3) nonprofit, just like you.
Who understands your needs better than another nonprofit?
Benefits To Nonprofits Get A Quote
Insured by NIA:
Yeah Art!
San Francisco, CA
Benefits to your nonprofit.
NIA benefits the nonprofits it insures, not stockholders — which is why NIA does its best to keep your nonprofit’s insurance as drama-free as possible.
Fair and equitable pricing.
NIA provides fair and equitable pricing by understanding the unique operations of your nonprofit.
NIA’s insurance premiums are based on your organization’s specific level of risk — not on the whims of the market.
Stability and reputation.
You don’t want surprises with your insurance. You get stability and peace of mind with NIA as your insurer.
NIA has been insuring nonprofits like yours for 35+ years. Rated A- (Excellent) by AM Best, NIA currently insures 27,000+ nonprofits nationwide.
Empathy and transparency.
Do you feel like a number when you try to get insurance? NIA is a nonprofit and understands what nonprofits go through.
NIA has a culture of empathy and transparency. When you identify potential risks in your organization, NIA wants to help you resolve the problem.
As a nonprofit, your needs are special.
Had a less-than-ideal experience with insurance in the past?
Getting your insurance from a nonprofit is a completely different experience. Here’s why:
What do you want to do now?
What insurance does my nonprofit need?
All nonprofits are different, and you need specialized coverages for your organization’s unique operations. Your insurance broker can help guide you to make your coverage selections.
At a minimum, nonprofits usually secure these two basic coverages:
Commercial General Liability (CGL)
Protects against general business risks.
Commercial General Liability protects your nonprofit against risks including bodily injury or damage to others, property damage, and personal injury.
This is a core coverage that is important for all nonprofits.
Insured by NIA:
The Rise School of Denver
Denver, CO
Board & Executive Liability
Protects boards of directors and executives.
Board & Executive is NIA’s brand name for a group of coverages that provide protection for nonprofit boards of directors and executives against personal liability for their official duties.
Board & Executive includes coverage options for: Directors & Officers (D&O), Fiduciary Liability, and Employment Practices Liability (EPLI).
Insured by NIA:
Weehawken Creative Arts
Ridgway, CO
There’s a lot more!
There are many other coverages that may be appropriate for the risks of your organization. You’ll want to review this full list of coverages NIA offers with your insurance broker.
Does NIA operate in my state?
Together, the organizations of Nonprofits Insurance Alliance actively insure 27,000+ nonprofits in 32 states and the District of Columbia.
Click on your state to learn more about nonprofit insurance and programs available in that state, or choose from this list of states.
What types of 501(c)(3) nonprofits does NIA insure?
Who does NIA insure?
Unlike any other insurer, NIA writes coverage exclusively for 501(c)(3) organizations of all sizes.
NIA writes coverage for a wide variety of classes of business — including those that brokers often find difficult to place.
NIA cannot insure:
- Nonprofit types other than 501(c)(3), such as 501(c)(4), 501(c)(6), etc. Examples: Cemeteries, funeral homes, homeowners or condo associations, political action committees or groups, unions
- Athletic leagues, competitive travel teams
- Boy Scouts / Girl Scouts troops
- Campgrounds, retreats
- Certain types of housing assistance: Supportive housing for the homeless in large city centers, hotel occupancies, single room occupancies without supportive services
- Chambers of commerce, trade associations, or homeowners’ associations
- Churches, synagogues, temples, or organizations whose primary purpose is to promote the specific teachings or beliefs of a specific religion or person
- Lockdown / detainment facilities, or facilities whose primary purpose is to hold people against their will
- Foster family agencies
- Fraternities, sororities
- Medical: Ambulance services, birth centers, blood banks, EMS, first aid squads, hospitals, medical marijuana dispensaries, non-ambulatory / nursing care facilities (hospice is an exception), physicians
- Mountain bike / motorcross groups
- Nonprofit developers that build with the intent to sell
- Nonprofits whose primary purpose is to take a position on abortion or pro-life
- Private schools that do not serve an underprivileged student body
- Recovery: Detox facilities, methadone clinics, residential drug and alcohol rehabilitation and recovery, sober living facilities
- Saddle animal coverage (where this is the primary focus of the org, or animals are offered for hire)
- Youth residential treatment / short-term residential serving: Youth with violent behavior, history of sexual offenses, or severe mental health diagnoses
- Zoos
Possible exceptions to the above:
NIA can consider 501(c)(3) nonprofits that are only affiliated with the types of organizations above.
Examples of affiliated organizations: Food banks / pantries / thrift stores connected to churches, foundations that benefit zoos, or supporting organizations.
How does it work for my nonprofit?
Understand nonprofit insurance basics.
Want to learn more about the basics of insurance for nonprofits?
Check out Nonprofits Insurance 101.
Get a ballpark.
If you’ve got a brand-new nonprofit or you’re just doing research on how much nonprofit insurance costs, you can get a ballpark estimate on insurance from NIA.
Get a quote.
Getting started with NIA is easy! Here’s a few things to confirm before requesting a quote for your nonprofit:
- Does your nonprofit operate in one of the states where NIA does business?
- Are you a registered 501(c)(3) organization — or in the process of registering?
- Is your insurance broker appointed by NIA?
- Would you like NIA to connect you with a broker?
Ready to get started?
What nonprofits are saying.
Far more than just insurance.
When NIA insures your nonprofit, that comes with exclusive access to free and discounted tools and services — all designed to help your mission thrive.
Thousands of nonprofits just like yours take advantage of the tools, consulting, and training that NIA-insured nonprofits get for free (or at a greatly reduced cost) — beyond “just insurance.”
These nonprofit-focused services are not just useful and valuable, they’re usually things that nonprofits would pay for anyway — if they didn’t get them just by being insured with NIA.
If all that wasn’t enough, here’s the closer: In many cases, nonprofits save so much using these services that their insurance effectively pays for itself!
Insured by NIA:
Mothers Without Borders
Provo, UT
Featured services available to nonprofits insured by NIA:
Risk management consulting services to help your nonprofit identify and mitigate key risks across your organization.
Discover risk management strategies, exclusive NIA member resources, and learn how new regulations and laws may affect your nonprofit.
Online tools to help you create a risk management plan that reflects your organization’s unique needs, priorities, and culture.
Your nonprofit makes purchases every day. PurchasingPoint® can get you big discounts on many of those same products and services.
Streamline your nonprofit’s hiring process with secure online access to background check and screening services via IntelliCorp.
Help your nonprofit’s board function more efficiently and effectively with BOARDnetWORK, an easy-to-use, web-based communication tool.
Advice to help nonprofits in non-technical, easy to understand language, with case studies and sample forms.
See all the extra resources nonprofits insured by NIA get.
Your questions answered.
If you’re reading this, your thirst for knowledge needs to be quenched! Here’s the top three questions NIA hears from nonprofits.
While your nonprofit may or may not be required to carry liability or property insurance, funders, venues, and contract agreements routinely require insurance as a condition of engaging in an agreement.
It’s up to each nonprofit organization to determine what coverage is necessary. An insurance broker can help with this decision.
Learn more on the Nonprofits Insurance 101 page.
If you are a new nonprofit organization or expect soon to receive your 501(c)(3) status, this is the ideal time to learn about your liability options.
If want to get a ballpark on insurance costs, here are the minimum annual premiums at NIA for different types of insurances that nonprofits get. You can also review the coverages NIA offers.
If you have been operating without insurance and qualify for a quote from NIA, you will be required to certify that you have no knowledge of pending claims or incidents that may become claims.
If you’re ready to secure insurance for your 501(c)(3) nonprofit now, you can get a quote.
Nonprofits Insurance Alliance (NIA) looks for ways to cover claims within its policy, not for ways to decline them.
If liability is clear when a claim is presented, it is paid promptly.
NIA considers itself a partner with its members, and takes seriously the trust those member organizations place with it.
However, if liability is uncertain, NIA will thoroughly investigate and resolve the claim in a manner that is both conscientious and practical.
Learn more on the Claims page.