Nonprofits & associations
Insurance for Nonprofits, Associations & Organizations
Protect your mission. Support your people.
Tell us about your programs, people, and events. We'll help you explore insurance options for the work your organization does.
Organizations this category includes
- Charitable and nonprofit organizations
- Trade and professional associations
- Membership organizations and business associations
- Foundations and grantmaking organizations
- Community and civic organizations
- Cultural and arts organizations
- Educational foundations and school support organizations
- Religious and faith-based organizations
- Social clubs and volunteer groups
- Advocacy and public-interest organizations
- Social service and community support organizations
Insurance options depend on your organization's activities, location, licensing requirements, and carrier availability.
Operating a school, college, or university? Explore our Education & Schools page for risks and coverage specific to schools.
ALP Insurance helps nonprofits, associations, and community groups across the U.S. Our licensed, experienced agents and service team can help with insurance for your programs, board, staff, volunteers, property, events, and the member and donor information you keep.
A food pantry, a trade association, and a community theater face very different risks. We start with what your organization actually does, then compare the available options with you, including how each policy treats volunteers and board members.
Common risks
Leadership and governance
Your board and officers make decisions about money, programs, staff, and membership. A member, donor, or employee may claim one of those decisions was wrong. Claims like these usually fall under directors and officers (D&O) liability, not general liability.
Employees and volunteers
Insurance often treats paid staff and volunteers differently. A policy that includes your employees may not automatically include volunteers, so we check how each policy defines who is insured.
Fundraisers, conferences, and events
A gala, a charity run, or a conference can bring venue contracts, outside vendors, food, alcohol, and transportation. Talk with us before the event about whether your current policies apply or you need an endorsement (a change to your policy) or a separate event policy.
Member, donor, and financial information
Donation platforms, membership databases, payment processing, and email accounts can attract hackers and fraud, such as a hacked email asking your bookkeeper to send a payment to a new account. Insurance works best alongside strong account controls.
Property and transportation
Think about the spaces you own or rent, the equipment you rely on, and who drives for your organization, including volunteers using their own cars.
Contracts and certificates
Landlords, venues, grant providers, and partners often ask for specific limits or to be added to your policy as an additional insured. Send us the requirements and we'll compare them with your policies. A certificate shows coverage; it can't add it.
Coverage to ask about
These are separate coverages, not one package. Most organizations need some of them, and the right mix depends on what you do.
- General liabilityClaims that your activities hurt someone or damaged their property, such as a guest who trips at your fundraiser.
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Directors & officers liabilityClaims about decisions made by your board or officers, such as a member alleging funds were mismanaged.
- Employment practices liabilityClaims from employees or job applicants, such as discrimination, harassment, or wrongful termination. Ask whether claims involving volunteers can be included.
- Professional liability / errors & omissionsClaims that a service you provide, such as counseling, training, or advice, caused harm or a financial loss. The right form depends on the service.
- Commercial propertyYour building, if you own it, plus furniture, computers, and supplies, for damage from events such as fire or theft, depending on the policy.
- Workers' compensationMedical care and lost wages for employees hurt or made ill on the job. Requirements vary by state; ask us how volunteers are handled where you operate.
- Commercial auto; hired and non-owned autoVehicles your organization owns. Hired and non-owned auto addresses your organization's liability when staff or volunteers drive rented or personal cars for your work. For a personal car, the driver's own auto policy usually responds first.
- Cyber liabilityCosts after a data breach or hack, such as notifying members or donors and restoring systems. Payment fraud may need an optional extension.
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Crime and fidelityTheft of money or property by an employee, and some forgery or fraud losses, depending on the coverage you buy. Ask whether volunteers, such as a volunteer treasurer, can be included.
- Umbrella / excess liabilityExtra limits above your other liability policies, usually general liability, auto, and employers liability. It usually doesn't add limits to D&O or professional liability.
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Event coverageFor fundraisers, conferences, and meetings your regular policies may not include. If you serve or sell alcohol, ask whether you need liquor liability coverage.
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Volunteer accidentHelps pay medical costs for volunteers hurt while helping, whether or not anyone was at fault, depending on the plan. It's different from liability insurance and workers' compensation.
Organizations serving children or vulnerable individuals
If your programs involve children, older adults, or other vulnerable people, abuse and molestation coverage needs its own conversation. Many liability policies limit or exclude these claims, and insurance companies usually ask about screening, training, supervision, and reporting. Insurance works alongside your safeguarding practices, not in place of them.
How ALP helps
- 01
Start with your organization
Tell us about your mission, programs, people, places, and events.
- 02
Explore your options
We approach insurance companies that consider organizations like yours and explain the choices available.
- 03
Talk it through
We go over limits, deductibles, exclusions, and price with you before you decide.
- 04
Ongoing help
Current clients can contact us for certificates, policy changes, renewal reviews, and questions.
Common contract and certificate requirements
- Venues for fundraisers, conferences, and meetings
- Landlords of the space you rent
- Grant providers and funders with insurance requirements
- Partner organizations you run programs or events with
A certificate is proof of insurance. Requirements such as additional insured status come from endorsements on the policy, not from the certificate.
Current clients: request a certificate →Helpful information for a quote
- Your organization's legal name, address, and website
- Your mission, programs, and services
- How you're organized, and nonprofit or tax-exempt status, if applicable
- Annual budget or revenue, and main funding sources
- Number of employees and volunteers, and what they do
- Locations you own or rent, and major equipment
- Vehicles, and whether staff or volunteers drive for you
- Events you hold, typical attendance, and whether alcohol is served
- Whether your programs involve children or vulnerable people (no personal details)
- Current policies and loss history, if you've been insured before, and any contract insurance requirements
Share documents through the secure upload in our quote form, or ask us how to send them securely. Please don't include personal details about the people you serve.
Upload your current policyFrequently asked questions
Do small or volunteer-run organizations need insurance?
Size alone doesn't decide it. A small group that rents a hall, signs a lease, or runs youth programs can face the same kinds of claims as a larger one, and many venues, landlords, and grant agreements require insurance.
Does general liability protect our board members?
Not for most board decisions. General liability usually addresses injuries and property damage. Claims about how the board ran the organization, such as mismanaged funds or a disputed membership decision, usually fall under directors and officers (D&O) coverage.
Are volunteers automatically insured?
Not always. It depends on how each policy defines who is insured. We look at three separate questions: liability for what volunteers do, accident coverage if a volunteer gets hurt, and volunteers driving their own cars for you.
Does our regular insurance cover fundraising events?
Sometimes. A small meeting in your own space may fit your current policies, while a gala at a rented venue with alcohol may need an endorsement or a separate event policy. Tell us the details before you sign the venue contract.
Can ALP provide a certificate for a venue or landlord?
For current clients, yes. We check each request against your policies before a certificate is issued. If you're not a client yet, include the venue's or landlord's requirements with your quote request so we can take them into account.