Insurance coverage for Nonprofits

Organize a nonprofit's programs, property, workforce, systems and records, board decisions, and contract requirements by coverage line.

Coverage map for Nonprofits

Use this page to separate the nonprofit’s programs and property from its workforce, systems, and board decisions. The organization’s legal form does not replace that operating map; begin with what it does and which people, locations, and records are involved.

Programs and operating package
Use the nonprofit BOP answer to build the first coverage-line map around actual activities and property.
Board and management
Use the D&O hub for questions tied to leadership and governance decisions.
Workers and data
Use workers’ compensation for the workforce and cyber for systems, records, and incident questions.

Questions by coverage line

Business Owner's Policy (BOP)

All BOP questions →

What insurance do nonprofits need? The same core package as any small employer: general liability and property (usually bundled as a business owner's policy), workers' comp under state law, and D&O for the board. Plus the piece no one prices in: volunteers usually sit outside workers' comp entirely unless your state lets the organization elect them in.

Liability questions for Nonprofits

General liability, E&O, D&O, and employment practices questions live on our sister publication: Nonprofits on Please Don't Sue Us.