Non-Profit Insurance

Nonprofit insurance is a type of business insurance specifically designed to protect nonprofit organizations from the unique risks they face while serving their communities. Even though nonprofits operate with charitable or mission-driven goals rather than profit, they still have many of the same exposures as traditional businesses and sometimes more.

A solid nonprofit insurance program can help safeguard your organization from a wide range of situations, such as:

• Accidents involving company vehicles – If a staff member or volunteer is involved in a car accident while driving on behalf of the nonprofit, commercial auto coverage can help with injuries, vehicle damage, and related liability costs.
• Injuries on your premises or at events – If a visitor, client, or volunteer slips, falls, or is otherwise injured at your office, facility, or fundraising event, general liability insurance can help cover medical expenses, legal fees, and settlements.
• Damage to your property – Commercial property insurance can help repair or replace your building, office space, furniture, equipment, and supplies if they’re damaged by a covered event like fire, theft, or vandalism.
• Operational disruptions – Business income coverage (if included) can help replace lost income and cover ongoing expenses if your nonprofit has to temporarily close or relocate due to covered property damage.

Many nonprofits may also need additional specialized coverages, such as directors and officers (D&O) liability, professional liability (for counseling or advisory services), or abuse and molestation coverage, depending on the nature of their work.

At Live Oak Insurance & Financial, we can help your nonprofit identify its specific risks, understand the coverage options available, and build an insurance package that supports your mission while helping protect your people, property, and reputation.

Erie Insurance has been providing the protection you need and the service you expect, all at a great price. See why more than 90% of customers stay with Erie Insurance year after year.