Organizations We Insure

We place coverage for every type of nonprofit and social service organization.

🧩 ABA / Autism Therapy 🎓 Alumni Associations 🐠 Aquariums 🌳 Arboretums 📚 Before & After School Programs 👫 Big Brother / Big Sister 🏠 Boys & Girls Clubs ⛺ Camps (Non-Sports) 🏛️ Chamber of Commerce ⛪ Churches & Religious Orgs 🏘️ Community Action Programs 🏛️ Community Centers 🌿 Conservation Groups 🔗 Cooperatives 🧠 Counseling Offices 🆘 Crisis Centers 👶 Daycare Centers 🎪 Fairs & Exhibitions 🍎 Food Banks 🏦 Foundations 🏅 Fraternal Organizations 🌻 Gardens 🛍️ Goodwill / Thrift Stores 🏡 Group Homes (IDD & Children) 🌟 Head Start 🏛️ Historical/Preservation Society 🩺 Home Health Services 🏠 Homeless & Battered Person's Shelters 💜 Hospice 🏗️ Housing Authority ♿ Independent Living (IDD) 🔧 Job Training / Sheltered Workshop 👩‍💼 Junior League 📖 Libraries 🍲 Meals on Wheels 📢 Mental Health Advocacy 🏥 Mental Health Residential 🧠 Mental Health Services 🏛️ Museums 📌 Other Nonprofits & Social Services 🎭 Performance Art Groups 🏫 Private Schools 💼 Professional & Trade Assoc. 🔄 Recovery Meetings ⛑️ Rescue Missions 🦺 Safety Councils 👴 Senior Centers 🤝 Social Clubs 💊 Substance Abuse (Outpatient) 🏷️ Thrift Stores 🌐 United Way 🏙️ Urban League 💧 Utility Water & Sewer Districts 🗺️ Visitor Centers ⛵ Yacht Clubs 🏊 YMCA / YWCA 🧒 Youth Associations 🦁 Zoos

Coverage Options

Protection for Your Mission

Specialized coverages designed for nonprofit and social service organizations.

🛡️

General Liability

Protects against bodily injury and property damage claims arising from your nonprofit's operations and events.

Premises liability
Operations coverage
Products & completed ops
Personal & advertising injury

👔

Directors & Officers (D&O)

Shields board members and officers from personal liability for decisions made on behalf of the organization.

Wrongful acts defense
Employment claims
Breach of duty
Regulatory actions

📊

Nonprofit Management Liability

Comprehensive management liability package designed specifically for nonprofit organizations.

D&O + EPLI bundled
Fiduciary liability
Crime coverage
Cyber liability options

📋

Professional Liability (E&O)

Coverage for claims of negligence, errors, or omissions in the services your nonprofit provides.

Service delivery errors
Advice & counsel claims
Program failures
Referral liability

🔒

Abuse & Molestation

Critical coverage for organizations working with vulnerable populations — children, elderly, disabled.

Abuse allegations
Investigation costs
Defense expenses
Background check gaps

🏢

Property & Contents

Protects your facilities, furnishings, equipment, and donated inventory against damage or loss.

Building coverage
Contents & equipment
Donated goods
Business interruption

Serving Nonprofits Across Arizona

📍 Phoenix 📍 Tucson 📍 Mesa 📍 Chandler 📍 Scottsdale 📍 Glendale 📍 Gilbert 📍 Tempe 📍 Peoria 📍 Surprise 📍 Yuma 📍 Flagstaff

Frequently Asked

What insurance does a nonprofit need?

Most nonprofits need General Liability, Directors & Officers (D&O), and Property coverage at minimum. Organizations working with vulnerable populations should add Abuse & Molestation. Many also benefit from a Nonprofit Management Liability package that bundles D&O, EPLI, Crime, and Fiduciary coverage.

Is D&O insurance really necessary for our board?

Yes. Board members can be personally liable for decisions they make on behalf of the organization. D&O insurance protects their personal assets and covers defense costs, even for groundless claims. Most responsible nonprofits carry D&O.

How much does nonprofit insurance cost?

Costs vary widely based on organization type, budget size, number of employees and volunteers, and services provided. Small nonprofits may pay $500–$2,000/year for a basic GL policy. Bundled management liability packages offer better value.

Does our insurance cover volunteers?

General Liability typically extends to volunteers acting on behalf of the organization. However, volunteers are NOT covered under Workers' Compensation. You may want to add Volunteer Accident coverage for medical expenses.

We receive government grants — do we need special coverage?

Many government contracts and grants require specific insurance minimums, including GL, Workers' Comp, and sometimes Professional Liability. We can review your grant requirements and ensure compliance.

Insurance for Human & Social Services

Get Your Free Quote