How Much Does Nonprofit Insurance Cost?

Get a ballpark estimate for different types of nonprofit insurance.

Have a brand-new nonprofit? Thinking about starting a new nonprofit? Researching and just want an estimate for your budget?

This page provides the minimum annual premium costs at NIA for different types of nonprofit insurance.

All ballpark numbers provided on this page are for informational purposes only.

A child proudly holds a small fish she caught with a beautiful lake in the background

Insured by NIA:
Big Friend Little Friend of the Mitchell Area
Mitchell, SD

Please read this:

The numbers below are only the starting points for pricing, and do not represent service offerings.

Every nonprofit’s insurance quote will be different, because NIA bases all pricing on each nonprofit’s unique level of risk.

NIA’s minimum annual premiums.

For the most common nonprofit insurance coverages:

Commercial General Liability (CGL):

The minimum annual premium for Commercial General Liability coverage starts at $600.

There is a minimum annual premium for dog fostering organizations that starts at $2,000.

Full Liquor Liability is included in the General Liability policy at no additional charge.

Note: NIA’s Commercial General Liability is required if you want to purchase any other coverages.

Directors and Officers Liability (D&O):

The minimum annual premium for Directors and Officers Liability (including Employment Practices Liability) starts at $1,725 in California, and $1,000 outside of California.

If you have no employees, NIA offers a Flat Rate Directors and Officers policy (excluding Employment Practices Liability). California: $690. Outside of California: $600.

For other nonprofit coverages:

Improper Sexual Conduct & Physical Abuse (ISCPA): Minimum annual premium starts at $700.

Social Service Professional (SSP): California: Minimum annual premium starts at $850. Outside of California: Minimum annual premium starts at $500.

Business Auto:
The following are three separate coverages with three separate minimum premiums:

  • Business Auto Liability: Owned vehicles rated on the number of units operated by the nonprofit.
  • Non-owned Auto Liability: Minimum annual premium starts at $250.
  • Hired Auto Liability: Minimum annual premium starts at $75.

Businessowners Property: California: Minimum annual premium starts at $300. Outside of California: Minimum annual premium starts at $300.

Participant/Volunteer Accident: Minimum annual premium starts at $100.

Umbrella: Minimum annual premium starts at $700.


Have more questions about the quote and/or application process?  No worries.

There are no additional fees beyond dues. No membership fees. No handling fees. No interest fees. No taxes.

Every policy is eligible for a payment plan upon request. A 20% down payment is required, after which NIA can split up the rest of your payments over the next 8 installments.

Once you’ve submitted a complete application for coverage through a licensed insurance broker, it can take seven days or more to receive a quote. Here’s why:

In coordination with your broker, you’ll be asked to complete a thorough application which inquires about your size, your operations, and key factors — like whether or not you have volunteers, host events, or serve children or the elderly.

This information will be included in the application submitted by the broker to NIA.

The NIA team must then review, analyze, and price the risk presented by your operations. You’ll receive an email from NIA letting you know that teams are working on a quote.

When the quote is complete, your broker will retrieve it from NIA’s secure website, and review its terms and conditions with you.

Nonprofits Insurance Alliance (NIA) provides coverage to 501(c)(3) nonprofits exclusively through licensed insurance brokers.

Brokers serve as an independent and beneficial guide for nonprofits, providing valuable recommendations and helping them navigate the more complex areas of insurance and find the right coverage for their needs.

Learn more about insurance brokers at the Nonprofits Insurance 101 page.