Non-Profit & Church Insurance
D&O, abuse liability, volunteer coverage, event liability, property, and cyber for mission-driven organizations.
Who Needs It
- Churches and faith communities
- Charities, foundations, and social-service agencies
- Youth programs, camps, and schools
What It Covers
- D&O for board members and officers
- GL for premises, events, and volunteers
- Sexual misconduct and abuse liability
- Volunteer accident
- Property and contents
- Cyber for donor data
- Crime/fidelity for donor funds
- Auto for vans and volunteer drivers
What It Does Not Cover
- Abuse claims where no screening program existed and the form requires one
- Employment claims without EPLI
- Events off-premises without the endorsement
- Fundraising raffles and gambling where excluded
Texas Notes
Texas charitable-immunity statutes limit but do not eliminate volunteer and organization liability; abuse-prevention programs drive both eligibility and price.
Florida Notes
Florida requires background screening for many youth-serving roles; carriers expect documented programs.
Non-Profit & Church Insurance Questions We Hear Most
Why do we need D&O with no revenue?
Board members can be sued personally over governance, employment, and fiduciary decisions. D&O is what lets people agree to serve.
What does abuse liability actually require?
Written screening, two-adult rules, and training. Carriers price on the program, and many exclude the coverage without one.
Related Coverage Guides
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