INDUSTRIES · NONPROFITS
Protect the mission, the board, and the donors.
D&O, employment, and benefits coverage for nonprofits with paid staff and volunteer boards.
PHOTO PLACEHOLDERB+W, DUOTONE · NONPROFITS
THE NONPROFITS STACK
What companies like yours usually carry.
Directors + officersBoard members sued over decisions or grant use$1MREQUIREDBOP / general liabilityEvents, volunteers, and office property$1M / $2MREQUIREDEmployment practicesStaff and volunteer employment claims$1MRECOMMENDEDCommercial crimeDonation and grant-fund theft, fidelity bonding$250KRECOMMENDEDMedical, dental, visionCompetitive benefits on a nonprofit budget—RECOMMENDEDCyber liabilityDonor data and payment information$1MCONSIDER
- 01Board protectionD&O and EPLI bundled at nonprofit rates.
- 02Grant-safe budgetingPredictable premiums, billed with payroll.
- 03Volunteer coverageAccident and liability options for volunteers.
TOP RISKS WE PLAN FOR
- 01Board liability. Directors can be sued over decisions and grant use.
- 02Donation theft. Funds handling needs crime and fidelity coverage.
- 03Volunteers. Events and volunteer activities create GL exposure.
NONPROFITS QUESTIONS
- Is D&O necessary for a nonprofit?
- Most boards expect it, and it is often bundled with EPLI.
- Can volunteers be covered?
- Yes, with accident and liability options.
YOUR PROGRAM AT A GLANCE
Every line a nonprofits company typically needs, on one application.
FINANCIAL + MANAGEMENTDirectors + officersProtects leadership from management decision claimsPROPERTY + LIABILITYBOP / general liabilityThird-party injury, property damage, business propertyWORKFORCEEmployment practicesWrongful termination, harassment, discrimination claimsFINANCIAL + MANAGEMENTCommercial crimeEmployee theft, fraud, and funds-transfer schemesEMPLOYEE BENEFITSMedical, dental, visionGroup health plans from national and regional carriersFINANCIAL + MANAGEMENTCyber liabilityBreach response, ransomware, and data liability
HOW IT WORKS FOR NONPROFITS
- 01Connect payroll. Census, wages by class code, and locations pulled from Worklio HCM or uploaded.
- 02Market to carriers. We submit to carriers that actively write nonprofits risks.
- 03Compare and bind. Side-by-side options with limits, deductibles, and total cost.
- 04Service all year. COIs, claims advocacy, audits, and renewal planning from one team.
WHAT WE'LL NEED TO QUOTE YOU
APPLICATIONS
- ACORD 125
- Carrier supplement
- ACORD 126
- ACORD 140
- Employee census + group application
DOCUMENTS
- Latest financial statements
- Organizational chart and ownership
- Prior claims, if any
- Revenue and operations description
- Statement of values by location
- Loss runs, 3–5 years
- Employee handbook
- Headcount by state
AFTER YOU BUY
- Certificates on demandIssue COIs with additional insureds from your dashboard.
- Claims advocacyYour advisor works the claim with the carrier.
- Audits without surprisesPayroll-based premiums reconcile as you go.
- Renewal planningOptions on the table 60 days before renewal.
WORTH CONSIDERING
EMPLOYEE BENEFITSLife + disabilityGroup term life, AD&D, short- and long-term disabilityWORKFORCEWorkers' compPay-as-you-go premiums billed with each payrollPROPERTY + LIABILITYCommercial autoOwned, hired, and non-owned vehicles and driversPROPERTY + LIABILITYUmbrellaExtra limits above your GL, auto, and employer liability
- $35+ BillionPAYROLL AND TAXES PAID
- 23+ MillionACH TRANSACTIONS
- 4.3+ MillionW-2S / 1099S PROCESSED
- 2.8+ MillionEMPLOYEES PAID
TRUSTED BY PARTNERS INCLUDING
