Specialized Trades · Calculator, Comparison & Guide

Non-Profits & Churches Insurance: Calculator, Comparison Table & Guide

Churches, community organizations, youth programs, and social services.

Prong 1 · Interactive Calculator

Non-Profit Coverage Estimator

Churches, community organizations, youth programs, and social services.

Results
LineEstimate
General liability —
Abuse & molestation (separate limit) —
Directors & officers + EPLI —
Property (owned building) —
Workers' comp (8868/9101) —
Volunteer accident medical —
Commercial auto (15-passenger vans surcharge) —
Estimated annual package —
Insurance as % of budget —

Illustrative math only. Rate ranges are planning bands, not quotes. Your policy wording, carrier appetite, loss history, and state decide the real number. This tool stores nothing and sends nothing.

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Prong 2 · Comparison Table

Non-Profit Program Comparison

Church program vs. non-profit package vs. association-sponsored.

CriterionChurch-Specialty CarrierNon-Profit Package (Specialty)Association / Denominational Plan
Abuse & molestationIncluded, sublimitedSeparate limitIncluded
D&O with EPLIOptionalIncludedVaries
Pastoral / counseling liabilityIncludedOptionalIncluded
Volunteer accidentOptionalIncludedOptional
Mission trip / foreign liabilityOptionalOptionalIncluded
Stained glass / fine artsIncludedExcludedIncluded
Cyber (donor data)OptionalIncludedOptional
Best fitCongregationsSocial services, youth, CDCsAffiliated ministries
Included
covered in base form
Excluded
not available
Optional
available by endorsement
Limited
sublimited or conditional

Prong 3 · Deep-Dive Guide

Non-Profit & Church Insurance: Protecting the Mission and the Board

Texas charitable immunity has limits. Here's what your board, your volunteers, and your donors expect you to carry.

D&O is not optional

Texas Charitable Immunity Act (CPRC Ch. 84) caps some liability — but only if the organization carries $500K/$1M liability. Volunteer board members are personally exposed without D&O.

  • D&O with employment practices (most nonprofit D&O claims are EPL)
  • Fiduciary if you sponsor a retirement plan
  • Third-party discrimination coverage for program participants

Abuse & molestation

The single largest severity exposure for any organization serving minors or vulnerable adults.

  • Separate limit, not a GL sublimit
  • Occurrence form where available
  • Written screening, two-adult rule, and training documented — carriers require it

Volunteers

Volunteers are not employees; WC doesn't cover them and GL may not cover their acts.

  • Volunteer accident medical ($25K–$100K)
  • Volunteers as insureds under GL
  • Non-owned auto for volunteers driving their own cars

Frequently Asked Questions

Does 501(c)(3) status reduce our liability?

Only within the Charitable Immunity Act limits, and only if minimum insurance is in place. It does not eliminate D&O or abuse exposure.

Who is covered under D&O?

Directors, officers, employees, volunteers, committee members, and the entity itself, if written properly.

We rent our building to outside groups — is that covered?

Only with a facility-use agreement and either their certificate or a special-events endorsement.

Related: nonprofit insurance · church insurance Texas · D&O nonprofit · volunteer accident

Turn the estimate into a quote

The Smart Intake takes about two minutes. A licensed advisor reviews your non-profits & churches exposure against 30+ Texas and Florida markets. Nothing from the calculator above is stored or sent.

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Or call (281) 671-0069

All numeric rates are 2026 Texas/Florida planning bands compiled by the agency for illustration; they are not filed rates and must be reviewed by a licensed agent before publication. Coverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Submitting a request does not bind coverage.