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 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.
Directors & Officers Liability (D&O)
Protects from claims alleging “wrongful acts.”
The key distinction with Directors and Officers liability is that it is intended to cover wrongful acts that are “intentional,” as opposed to “negligent” events or acts covered under Commercial General Liability.
A good Directors and Officers policy should include broad coverage for all types of employment related actions, including wrongful termination, harassment, discrimination, failure to hire, etc. It should also pay defense costs as they are incurred, not on a reimbursement basis.
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 25,000+ 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 NIA can insure:
Unlike any other insurer, NIA writes coverage exclusively for 501(c)(3) organizations of all sizes.
- Art and Education
- Community Service
- Animal and Environmental
- Neighborhood Improvement and Social Action
- Mental Health, Health-Related, and Developmental Disabilities
- Shelter, Nutrition, and Employment
- Philanthropy, Volunteerism, and Grantmaking
- New 501(c)(3) organizations
- …and many more.
Who NIA cannot insure:
- Nonprofit types other than 501(c)(3), such as 501(c)(4), 501(c)(6), etc.
NIA can’t insure the following, but can consider 501(c)(3) nonprofits that are only affiliated with:
- Athletic leagues
- Boy Scouts / Girl Scouts troops
- Chambers of commerce, trade associations, or homeowners’ associations
- Churches, or organizations whose main goal is to promote the specific teachings or beliefs of a specific religion or person
- Detox facilities, hospitals, blood banks, or birth centers
- Lockdown facilities, or facilities that hold people against their will
- Mountain bike / Motocross groups
- Nonprofit developers that build with the intent to sell
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.
“We have been with NIA from the beginning. For 25 years, we have appreciated having a partner we can count on to provide the coverage we need and inspired service. As a nonprofit itself, NIA truly understands what nonprofits need and value!”
Garden Grove, CA
“We were surprised to learn about all the value-added benefits with NIAC. Having a consultant available to help us determine what services are best for our organization is very helpful.”
“We welcomed the opportunity to host a free defensive driver training course at our location with NIA’s professional driving instructor, and we have also taken advantage of the free online driver training. We appreciate the partner we have in NIA to avoid accidents before they happen.”
“NIA understands our unique needs and we appreciate the ease of working with them, as well as the many free, useful resources provided to members. We are very pleased that we made the move to NIA for our insurance.”
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!
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.
Tools, training, and resources from Praesidium to help your nonprofit prevent abuse and protect the people you serve.
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.