What Insurance Can I Get to Cover My Nonprofit? 

Running a nonprofit comes with unique rewards—and unique risks. From community events and volunteer activities to managing grants and property, nonprofit organizations in Logansport, IN, face exposures that can be financially devastating without the right insurance. So what types of coverage should you consider?

Essential Insurance Options for Nonprofits

While every organization’s needs are different, several types of insurance are commonly recommended for nonprofits:

• General liability insurance may help protect against claims of bodily injury or property damage that occur during events, meetings, or on your premises.
• Directors and officers (D&O) insurance may provide coverage if board members or leadership are sued for decisions made on behalf of the organization.
• Property insurance may cover damage to owned or rented space, equipment, furniture, or supplies due to events like fire or theft.
• Workers’ compensation is required in Indiana for most organizations with employees, potentially covering medical expenses and lost wages related to work-related injuries.
• Professional liability (errors and omissions) may help if your nonprofit provides advice, services or counseling and is accused of negligence or mistakes.
• Commercial auto insurance is important if your organization owns vehicles or if staff use personal cars for work-related activities.

Protecting Your Mission

Nonprofits are mission-driven, but a single lawsuit, accident or loss can derail their mission. Insurance offers a safety net that helps your organization stay focused on serving the community, even when challenges arise.

Nonprofit coverage can vary based on your activities, size and structure. Whether you’re a youth center, food pantry, advocacy group or arts organization, it’s worth reviewing your policies regularly to ensure you’re protected.

Learn More

Our team specializes in helping nonprofits find the right insurance solutions. Contact us today to discuss coverage that supports your mission and keeps your organization on solid ground.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.